EX-99.3 4 ex99-3.htm OTHER FIN ST

Angel Oak Mortgage Trust I, LLC 2018-1 ABS-15G

Exhibit 99.3

                                                                     
Exception Ratings                                                                      
Run Date - 3/16/2018 1:00:15 PM                                                                      
AMC Loan ID Customer Loan ID Seller Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory 15E Category Exception Exception Detail Exception Information Compensating Factors Follow-up Comments Cleared Date Unable To Clear Date Cured Date Waived Date Exception Level Grade Note Date Property State Occupancy Purpose Exception Remediation DBRS Initial Exception Rating DBRS Final Exception Rating Fitch Initial Exception Rating Fitch Final Exception Rating Kroll Initial Exception Rating Kroll Final Exception Rating Moody's Initial Exception Rating Moody's Final Exception Rating S&P Initial Exception Rating S&P Final Exception Rating Originator QM ATR Status TPR QM ATR Status Is Curable Overall Initial  Loan Grade Overal Final  Loan Grade
200345807 [Redacted] [Redacted] 227163 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Credit Report Error: Housing history rating was not provided.   Missing Verification of Rent, Borrowers provided letter xxxxx stating where they were living and signed by borrowers, not confirmed or verified by 3rd party.   Reviewer Comment (2016-02-24): Received VOR
 02/24/2016       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No D B
200345807 [Redacted] [Redacted] 427735 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. This is a HPQM, a balance sheet is required for self employed borrowers.   Reviewer Comment (2016-06-24): Received Credit Risk Summary & Exception Approval changing from HPQM to Non-QM
 06/24/2016       1 [Redacted] NC Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes D B
200345807 [Redacted] [Redacted] 427736 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.               2 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM No D B
200345807 [Redacted] [Redacted] 427737 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.     Reviewer Comment (2016-02-29): Received Initial GFE
 02/29/2016       1 [Redacted] NC Primary Purchase   B A B A B A B A B A Non QM Non QM No D B
200345807 [Redacted] [Redacted] 427764 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA Defect RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided. $30.10 cure on page 1 of HUD-1 is not sufficient   Reviewer Comment (2016-06-02): xx/xx/xxxx Received copy of letter to borrower, copy of check and proof check was cashed.
 06/02/2016       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No D B
200345807 [Redacted] [Redacted] 432854 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp).xxxxx     Reviewer Comment (2016-06-24): Received Credit Risk Summary & Exception Approval changing from HPQM to Non-QM
 06/24/2016       1 [Redacted] NC Primary Purchase   D A D A D A D A D A Non QM Non QM No D B
200591130 [Redacted] [Redacted] 798825 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold) Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.07480% or Final Disclosure APR of 10.08300% is in excess of allowable threshold of APOR 3.05% + 3.5%, or 6.55000%.     Reviewer Comment (2016-12-19): xxxxx accepts
       12/19/2016 1 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM No D BW
200591130 [Redacted] [Redacted] 798826 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xx/xx/xxxx)     Reviewer Comment (2016-06-15): xx/xx/xxxx - Rec'd evidence borrower was provided the CD at least three (3) business days prior to closing.
 06/15/2016       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No D BW
200591130 [Redacted] [Redacted] 798827 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Alternate Table With Seller TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx used an alternate table on a transaction with a seller. (Final/0xx/xx/xxxx)               2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes D BW
200591130 [Redacted] [Redacted] 798828 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Deposit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Deposit. (Final/0xx/xx/xxxx) Closing Disclosure is on form without Seller.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes D BW
200591130 [Redacted] [Redacted] 798829 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Sales Price TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Sales Price of Property. (Final/0xx/xx/xxxx) Closing Disclosure is on form without Seller.   Reviewer Comment (2017-02-24): Cleared with re-run
 02/24/2017       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes D BW
200591130 [Redacted] [Redacted] 798830 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/0xx/xx/xxxx) Nothing selected on form   Reviewer Comment (2016-06-15): xx/xx/xxxx - Rec'd PC CD dated xxx indicating the lender does not offer.
     06/15/2016   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes D BW
200591130 [Redacted] [Redacted] 798831 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Alternate Table With Seller TILA-RESPA Integrated Disclosure - Costs at Closing / Calculating Cash to Close: Loan Estimate provided on xx/xx/xxxx used an alternate table on a transaction with a seller. (Initial/0xx/xx/xxxx)     Reviewer Comment (2016-06-28): AMC waived Exception: outside of the SFIG RMBS 3.0 TRID Compliance Review Scope
       06/28/2016 2 [Redacted] FL Primary Purchase Good Faith Redisclosure C B C B C B C B C B Non QM Non QM Yes D BW
200591130 [Redacted] [Redacted] 798832 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Alternate Table With Seller TILA-RESPA Integrated Disclosure - Costs at Closing / Calculating Cash to Close: Loan Estimate provided on xx/xx/xxxx used an alternate table on a transaction with a seller. (Interim/0xx/xx/xxxx)     Reviewer Comment (2016-06-28): AMC waived Exception: outside of the SFIG RMBS 3.0 TRID Compliance Review Scope
       06/28/2016 2 [Redacted] FL Primary Purchase Good Faith Redisclosure C B C B C B C B C B Non QM Non QM Yes D BW
200591130 [Redacted] [Redacted] 798833 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Alternate Table With Seller TILA-RESPA Integrated Disclosure - Costs at Closing / Calculating Cash to Close: Loan Estimate provided on xx/xx/xxxx used an alternate table on a transaction with a seller. (Interim/0xx/xx/xxxx)     Reviewer Comment (2016-06-28): AMC waived Exception: outside of the SFIG RMBS 3.0 TRID Compliance Review Scope
       06/28/2016 2 [Redacted] FL Primary Purchase Good Faith Redisclosure C B C B C B C B C B Non QM Non QM Yes D BW
200591130 [Redacted] [Redacted] 809054 [Redacted] [Redacted] Compliance Loan Package Documentation Application / Processing Missing Required Data (Doc Error) Security Instrument Error: No evidence exists in the file that the documents are recorded or sent for recording (Within 12 months of closing)       Reviewer Comment (2016-06-10): xx/xx/xxxx - Rec'd closing instructions indicating docs will be sent for recording.
 06/10/2016       1 [Redacted] FL Primary Purchase   C A D A C A C A C A Non QM Non QM No D BW
200591130 [Redacted] [Redacted] 809055 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___.   Borrower on this Full documentation loan has a disposable income of $11,700

28 months reserves > 12 months guideline minimum		 Reviewer Comment (2016-05-31): p3
       05/31/2016 2 [Redacted] FL Primary Purchase   C B C BW C B C B C B Non QM Non QM No D BW
200591130 [Redacted] [Redacted] 879502 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Interim Closing Disclosure Alternate Table With Seller TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Closing Disclosure provided on xx/xx/xxxx used an alternate table on a transaction with a seller. (Initial/0xx/xx/xxxx) The subject is a purchase transaction, however a "without seller" disclosure was used.   Reviewer Comment (2016-06-28): AMC waived Exception: outside of the SFIG RMBS 3.0 TRID Compliance Review Scope
       06/28/2016 2 [Redacted] FL Primary Purchase Good Faith Redisclosure   B   B   B   B   B Non QM Non QM Yes D BW
200591130 [Redacted] [Redacted] 879503 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Interim Closing Disclosure Summaries Of Transactions - Deposit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Closing Disclosure provided on xx/xx/xxxx did not disclose the Deposit. (Initial/0xx/xx/xxxx) The subject is a purchase transaction, however a "without seller" disclosure was used.   Reviewer Comment (2016-06-28): AMC waived Exception: outside of the SFIG RMBS 3.0 TRID Compliance Review Scope
       06/28/2016 2 [Redacted] FL Primary Purchase Good Faith Redisclosure   B   B   B   B   B Non QM Non QM Yes D BW
200591130 [Redacted] [Redacted] 879504 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Interim Closing Disclosure Summaries Of Transactions - Sales Price TILA-RESPA Integrated Disclosure - Summaries of Transactions: Closing Disclosure provided on xx/xx/xxxx did not disclose the Sales Price of Property. (Initial/0xx/xx/xxxx) The subject is a purchase transaction, however a "without seller" disclosure was used.   Reviewer Comment (2016-06-28): AMC waived Exception: outside of the SFIG RMBS 3.0 TRID Compliance Review Scope
       06/28/2016 2 [Redacted] FL Primary Purchase Good Faith Redisclosure   B   B   B   B   B Non QM Non QM Yes D BW
200591130 [Redacted] [Redacted] 879505 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Interim Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure- Loan Disclosures: Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Initial/0xx/xx/xxxx) Pages 1 & 4 of the CD indicate the loan will have escrows, however no escrows are collected on page 2.   Reviewer Comment (2016-06-15): xx/xx/xxxx - Rec'd PC CD dated xxx indicating the lender does not offer.
     06/15/2016   2 [Redacted] FL Primary Purchase Good Faith Redisclosure   B   B   B   B   B Non QM Non QM Yes D BW
200678521 [Redacted] [Redacted] 932486 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold) Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.14810% or Final Disclosure APR of 7.15400% is in excess of allowable threshold of APOR 2.98% + 3.5%, or 6.48000%.     Reviewer Comment (2016-11-14): xxxxx Waives
       11/14/2016 1 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM No C C
200678521 [Redacted] [Redacted] 932493 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on  xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/0xx/xx/xxxx) Second Mortgage   Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Rec'd LOE and corrected CD.  Post Close CD > 60 days from discovery.  While data is now accurate, timing requirements not met to cure (SFIG).
   11/30/2016     3 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C C C C C C C C C C Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974103 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of ___ does not match Calculated P&I of ___ Paragraph 3 of Note states "I will pay principal and interest by making payments each month of U.S. $1,745.63. Also, there is not Interest Only Addendum to the Mortgage.   Reviewer Comment (2016-11-22): Interest Only Rider, First Pay Letter received. Note is compliant.
 11/22/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
200678521 [Redacted] [Redacted] 974159 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Amount Financed TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on  xx/xx/xxxx disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Cleared with compliance re-run.
 11/30/2016       1 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974160 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AP Table First Change TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (Final/0xx/xx/xxxx)     Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Cleared with compliance re-run.
 11/30/2016       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974161 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AP Table Interest Only Payment Period TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on  xx/xx/xxxx disclosed an inaccurate Interest Only Payments Period. (Final/0xx/xx/xxxx)     Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Cleared with compliance re-run.
 11/30/2016       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974162 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AP Table Maximum Payment TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/0xx/xx/xxxx)     Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Cleared with compliance re-run.
 11/30/2016       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974163 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Balloon Payment TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on  xx/xx/xxxx incorrectly disclosed whether the loan contains a Balloon Payment. (Final/0xx/xx/xxxx)     Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Cleared with compliance re-run.
 11/30/2016       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974164 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/0xx/xx/xxxx)     Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Cleared with compliance re-run.
 11/30/2016       1 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974165 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Principal and Interest Change After Closing TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on  xx/xx/xxxx incorrectly disclosed whether the Principal and Interest Payment can change. (Final/0xx/xx/xxxx)     Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Cleared with compliance re-run.
 11/30/2016       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974167 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/36628)     Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Cleared with compliance re-run.
 11/30/2016       1 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974168 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Deposit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on  xx/xx/xxxx did not disclose the Deposit. (Final/0xx/xx/xxxx)     Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Cleared with compliance re-run.
 11/30/2016       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974169 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/0xx/xx/xxxx)     Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Cleared with compliance re-run.
 11/30/2016       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974170 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Total of Payments that does not match the actual total of payments for the loan. (Final/0xx/xx/xxxx)     Reviewer Comment (2016-11-30): 1xx/xx/xxxx - Cleared with compliance re-run.
 11/30/2016       1 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974171 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Servicing Missing TILA-RESPA Integrated Disclosure - Other Considerations: Loan Estimate provided on  xx/xx/xxxx did not disclose the Servicing statement. (Initial/xx/xx/xxxx) Box not checked off on document****xx/xx/xxxx This can only be cured by Final LE; the Servicing Statement is not on the CD.  Once the initial CD is issued it cannot be cured.   Reviewer Comment (2016-12-08): his can only be cured by Final LE; the Servicing Statement is not on the CD. Once the initial CD is issued it cannot be cured.
         2 [Redacted] GA Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 974172 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Servicing Missing TILA-RESPA Integrated Disclosure - Other Considerations: Loan Estimate provided on xx/xx/xxxx did not disclose the Servicing statement. (Interim/0xx/xx/xxxx) Box not checked off on document   Reviewer Comment (2016-11-30): ****1xx/xx/xxxx This can only be cured by Final LE; the Servicing Statement is not on the CD.  Once the initial CD is issued it cannot be cured.
     11/30/2016   2 [Redacted] GA Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 1794612 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM.     Reviewer Comment (2017-08-08): Received tape showing loan is non-qm


Reviewer Comment (2016-12-08): Nothing provided to clear exception
 08/08/2017       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status   A   A   A   A   A Non QM Non QM Yes C C
200678521 [Redacted] [Redacted] 1794613 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM Deferment of Principal Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan.     Reviewer Comment (2017-08-08): Received tape showing loan is non-qm
 08/08/2017       1 [Redacted] GA Primary Purchase     A   A   A   A   A Non QM Non QM No C C
200678521 [Redacted] [Redacted] 3426637 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   CDA Indeterminate   Reviewer Comment (2017-11-01): Received field review supporting origination value
 11/01/2017       1 [Redacted] GA Primary Purchase     A   A   A   A   A Non QM Non QM No C C
200707531 [Redacted] [Redacted] 1009463 [Redacted] [Redacted] Compliance Loan Package Documentation Application / Processing Missing Required Data (Doc Error) Security Instrument Error: No evidence exists in the file that the documents are recorded or sent for recording (Within 12 months of closing)       Reviewer Comment (2016-08-30): P2, Title Policy Section 9, Received xx/xx/xxxx
 08/30/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
200707531 [Redacted] [Redacted] 1009583 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold) Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.92430% or Final Disclosure APR of 7.96900% is in excess of allowable threshold of APOR 2.96% + 3.5%, or 6.46000%.     Reviewer Comment (2016-11-14): xxxxx Waives
       11/14/2016 1 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM No C C
200707531 [Redacted] [Redacted] 1009604 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) Missing evidence of how and when lender was made aware of fee.   Reviewer Comment (2016-09-15): xx/xx/xxxx Received disclosure tracking showing received dec page and added premium to CD
 09/15/2016       1 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C C
200707531 [Redacted] [Redacted] 1023753 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM Fail.     Reviewer Comment (2016-09-12): Received Credit Risk Summary & Exception Approval changing to Non-QM
 09/12/2016       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C C
200707531 [Redacted] [Redacted] 1025409 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Missing Seller's Closing Disclosure.   ****xx/xx/xxxx - On any purchase transaction, the seller CD is required.   Reviewer Comment (2016-12-14): Rec'd a copy of the note.  Still missing the seller's CD.


Buyer Comment (2016-09-14): Seller's Closing Disclosure not required on Second Mortgages.
         2 [Redacted] GA Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C C
200707531 [Redacted] [Redacted] 1025526 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2016-09-12): Received Credit Risk Summary & Exception Approval changing to Non-QM
 09/12/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
200707531 [Redacted] [Redacted] 1025527 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Monthly Payment - Interest-Only Ability-to-Repay (Dodd-Frank 2014): Improper calculation method used for Non QM qualifying monthly payment (interest-only loan with no balloon payment due within first five (5) years).     Reviewer Comment (2016-09-12): Received Credit Risk Summary & Exception Approval changing to Non-QM
 09/12/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
200707531 [Redacted] [Redacted] 1025528 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Mortgage-Related Obligations Ability to Repay (Dodd-Frank 2014): Mortgage-related obligations not considered in loan qualification.     Reviewer Comment (2016-09-12): Received Credit Risk Summary & Exception Approval changing to Non-QM
 09/12/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
200707531 [Redacted] [Redacted] 1025529 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.     Reviewer Comment (2016-09-12): Received Credit Risk Summary & Exception Approval changing to Non-QM
 09/12/2016       1 [Redacted] GA Primary Purchase   A A A A A A A A A A Non QM Non QM No C C
200707531 [Redacted] [Redacted] 1025530 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM Deferment of Principal Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan.     Reviewer Comment (2016-09-12): Received Credit Risk Summary & Exception Approval changing to Non-QM
 09/12/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
200707531 [Redacted] [Redacted] 1025620 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/42485) The CD and note reflect an I/O payment of $416.22 whereas actual is $327.44.   Reviewer Comment (2016-11-01): xx/xx/xxxx Rec'd LOE and corrected CD dated xx/xx/xxxx.  Post Close CD > 60 days from discovery.  While data is now accurate, timing requirements not met to cure (SFIG).
   11/01/2016     3 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C C C C C C C C C C Non QM Non QM Yes C C
200707531 [Redacted] [Redacted] 1025631 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Min Payment Compare Loan Term P&I TILA-RESPA Integrated Disclosure - Projected Payments: Closing Disclosure provided on xx/xx/xxxx disclosed minimum principal and interest payment that does not match payment disclosed in Loan Terms table. (ProjSeq:1/42485) The CD and note reflect $416.22 whereas actual is $327.44.   Reviewer Comment (2016-11-01): xx/xx/xxxx Rec'd LOE and corrected CD dated xx/xx/xxxx.  Post Close CD > 60 days from discovery.  While data is now accurate, timing requirements not met to cure (SFIG).
   11/01/2016     3 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C C C C C C C C C C Non QM Non QM Yes C C
200707531 [Redacted] [Redacted] 1025641 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Principal and Interest TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/0xx/xx/xxxx) The CD and note reflect $416.22 whereas actual is $327.44.   Reviewer Comment (2016-11-01): xx/xx/xxxx - Rec'd LOE and corrected CD.  Post Close CD > 60 days from discovery.  While data is now accurate, timing requirements not met to cure (SFIG).
   11/01/2016     3 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C C C C C C C C C C Non QM Non QM Yes C C
200707531 [Redacted] [Redacted] 1025642 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/42485) The CD and note reflect $416.22 whereas actual is $327.44.   Reviewer Comment (2016-11-01): xx/xx/xxxx - Rec'd LOE and corrected CD.  Post Close CD > 60 days from discovery.  While data is now accurate, timing requirements not met to cure (SFIG).
   11/01/2016     3 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C C C C C C C C C C Non QM Non QM Yes C C
200707531 [Redacted] [Redacted] 1025650 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/0xx/xx/xxxx) It is not indicated whether the borrower declined or the lender does not offer.   Reviewer Comment (2016-11-01): xx/xx/xxxx - Rec'd LOE and corrected CD.  Post Close CD > 60 days from discovery.  While data is now accurate, timing requirements not met to cure (SFIG).
   11/01/2016     3 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C C C C C C C C C C Non QM Non QM Yes C C
200707531 [Redacted] [Redacted] 1025750 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of ___ does not match Calculated P&I of ___     Reviewer Comment (2017-08-07): Received corrected note
 08/07/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
200707531 [Redacted] [Redacted] 3426638 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   CDA Indeterminate   Reviewer Comment (2017-11-01): Received Field Review supporting value of $512,000
 11/01/2017       1 [Redacted] GA Primary Purchase     A   A   A   A   A Non QM Non QM No C C
200821353 [Redacted] [Redacted] 1195584 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Title: Evidence of title is missing       Reviewer Comment (2016-09-06): Received Prelim
 09/06/2016       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
200821353 [Redacted] [Redacted] 1195659 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold) Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.16350% or Final Disclosure APR of 8.21100% is in excess of allowable threshold of APOR 2.94% + 3.5%, or 6.44000%. verified fees were input correctly.   Reviewer Comment (2016-11-14): xxxxx Waives
       11/14/2016 1 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
200821353 [Redacted] [Redacted] 1195662 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML California HPML Threshold Test California Higher-Priced Loan: APR on subject loan of 8.16350% or Final Disclosure APR of 8.21100% is in excess of allowable threshold of APOR 2.94% + 3.5%, or 6.44000%. verified fees were input correctly             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
200821353 [Redacted] [Redacted] 1195669 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Min Payment Compare Loan Term P&I TILA-RESPA Integrated Disclosure - Projected Payments: Closing Disclosure provided on xx/xx/xxxx disclosed minimum principal and interest payment that does not match payment disclosed in Loan Terms table. (ProjSeq:1/53533) Loan Term table reflects $1929.50, should be $1547.47.   Reviewer Comment (2016-09-28): Rec'd LOE, evidence of email, and corrected PC CD dated xx/xx/xxxx.
     09/28/2016   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
200821353 [Redacted] [Redacted] 1195671 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Principal and Interest TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/0xx/xx/xxxx) CD reflects $1929.50.  Note reflects $1547.47.   Reviewer Comment (2016-09-28): Rec'd LOE, evidence of email, and corrected PC CD dated xx/xx/xxxx.
     09/28/2016   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
200821353 [Redacted] [Redacted] 1195674 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/0xx/xx/xxxx) It is not indicated whether the borrower declined or the lender does not offer.   Reviewer Comment (2016-09-28): Rec'd LOE, evidence of email, and corrected PC CD dated xx/xx/xxxx.
     09/28/2016   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
200821353 [Redacted] [Redacted] 1195682 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM.     Reviewer Comment (2016-09-26): Received Credit Risk Summary & exception approval changing loan to Non-QM
 09/26/2016       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
200821353 [Redacted] [Redacted] 1195683 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM Deferment of Principal Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan.     Reviewer Comment (2016-09-26): Received Credit Risk Summary & exception approval changing loan to Non-QM
 09/26/2016       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
200821353 [Redacted] [Redacted] 1196189 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Other not provided   Missing verification of original start date with prior employer.  File has verification that current employer was formerly prior employer with W2s for xxxxreflecting both current and prior employers and xxxx W2 reflecting prior employer.  There is also an acquisition document reflecting such.   Reviewer Comment (2016-09-06): Received
 09/06/2016       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
200821353 [Redacted] [Redacted] 1201164 [Redacted] [Redacted] Compliance Loan Package Documentation Application / Processing Missing Required Data (Doc Error) Security Instrument Error: No evidence exists in the file that the documents are recorded or sent for recording (Within 12 months of closing)       Reviewer Comment (2016-09-06): Received x/xx Instructions to Escrow/Title/Closing agent
 09/06/2016       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
200821353 [Redacted] [Redacted] 3426620 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Value variance greater than 10% between origination appraisal and subsequent product   CDA value came in at 750,000   Reviewer Comment (2018-02-28): Received field review supporting original appraisal at $xxx
 02/28/2018       1 [Redacted] CA Primary Purchase     A   A   A   A   A Non QM Non QM No C B
200821354 [Redacted] [Redacted] 1187068 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold) Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.23840% or Final Disclosure APR of 7.31700% is in excess of allowable threshold of APOR 2.90% + 3.5%, or 6.40000%.     Reviewer Comment (2016-10-28): .


Buyer Comment (2016-10-02): Please Waive
       10/28/2016 1 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM No C C
200821354 [Redacted] [Redacted] 1187069 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML North Carolina Rate Spread Threshold Test North Carolina Rate Spread Home Loan: APR on subject loan of 7.23840% or Final Disclosure APR of 7.31700% is in excess of allowable threshold of APOR 2.90% + 3.5%, or 6.40000%.     Reviewer Comment (2016-10-28): .


Buyer Comment (2016-10-02): Please Waive
       10/28/2016 2 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM No C C
200821354 [Redacted] [Redacted] 1187086 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Servicing Missing TILA-RESPA Integrated Disclosure - Other Considerations: Loan Estimate provided on xx/xx/xxxx did not disclose the Servicing statement. (Initial/0xx/xx/xxxx)     Reviewer Comment (2016-08-19): This can only be cured by Final LE; the Servicing Statement is not on the CD.  Once the initial CD is issued it cannot be cured.
   08/19/2016     2 [Redacted] NC Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1187087 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Servicing Missing TILA-RESPA Integrated Disclosure - Other Considerations: Loan Estimate provided on xx/xx/xxxx did not disclose the Servicing statement. (Interim/0xx/xx/xxxx)     Reviewer Comment (2016-08-19): This can only be cured by Final LE; the Servicing Statement is not on the CD.  Once the initial CD is issued it cannot be cured.
   08/19/2016     2 [Redacted] NC Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1187088 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Servicing Missing TILA-RESPA Integrated Disclosure - Other Considerations: Loan Estimate provided on xx/xx/xxxx did not disclose the Servicing statement. (Interim/0xx/xx/xxxx)     Reviewer Comment (2016-08-19): This can only be cured by Final LE; the Servicing Statement is not on the CD.  Once the initial CD is issued it cannot be cured.
   08/19/2016     2 [Redacted] NC Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1187089 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.     Reviewer Comment (2016-09-09): xx/xx/xxxx - Rec'd SSPL
 09/09/2016       1 [Redacted] NC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C C
200821354 [Redacted] [Redacted] 1193181 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) The CD was issued xx/xx/xxxx and received by the borrower xx/xx/xxxx. The loan closed xx/xx/xxxx.****xx/xx/xxxx****Rec'd a screenshot indicating "eDisclosures" were emailed and viewed by the borrower xx/xx/xxxx.  The screenshot does not list specific disclosures. ****xx/xx/xxxx - Nothing rec'd.   Reviewer Comment (2016-11-09): xx/xx/xxxx - Rec'd evidence borrower rec'd CD xx/xx/xxxx.
 11/09/2016       1 [Redacted] NC Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C C
200821354 [Redacted] [Redacted] 1193204 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AP Table First Change TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (Final/xx/xx/xxxx) The CD reflects interest only, however the executed note in file does not include interest only terms.   Reviewer Comment (2016-11-01): xx/xx/xxxx - Rec'd I/O Rider to the Note.
 11/01/2016       1 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193205 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AP Table Interest Only Payment Period TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on  xx/xx/xxxx disclosed an inaccurate Interest Only Payments Period. (Final/xx/xx/xxxx) The CD reflects interest only, however the executed note in file does not include interest only terms.   Reviewer Comment (2016-10-28): Received I/O Rider
 10/28/2016       1 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193206 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AP Table Maximum Payment TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/xx/xx/xxxx) The CD reflects interest only, however the executed note in file does not include interest only terms.   Reviewer Comment (2016-10-28): Received I/O Rider
 10/28/2016       1 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193207 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AP Table Subsequent Changes TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/xx/xx/xxxx) The CD reflects interest only, however the executed note in file does not include interest only terms.   Reviewer Comment (2016-11-01): xx/xx/xxxx - Cleared with compliance re-run.
 11/01/2016       1 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193209 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Principal and Interest Change After Closing TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on  xx/xx/xxxx incorrectly disclosed whether the Principal and Interest Payment can change. (Final/xx/xx/xxxx) The CD reflects interest only, however the executed note in file does not include interest only terms.   Reviewer Comment (2016-10-28): Received I/O Rider
 10/28/2016       1 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193210 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/53496) The CD reflects interest only, however the executed note in file does not include interest only terms.   Reviewer Comment (2016-10-28): Received I/O Rider
 10/28/2016       1 [Redacted] NC Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193211 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) The CD reflects 99.15% whereas actual is 142.974%. The CD reflects interest only, however the executed note in file does not include interest only terms.   Reviewer Comment (2016-10-28): Received I/O Rider
 10/28/2016       1 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193212 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Total of Payments that does not match the actual total of payments for the loan. (Final/xx/xx/xxxx) The CD reflects $126,274.16 whereas actual is $153,883.15. The CD reflects interest only, however the executed note in file does not include interest only terms.   Reviewer Comment (2016-10-28): Received I/O Rider
 10/28/2016       1 [Redacted] NC Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193213 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on  xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) It is not indicated whether the borrower declined or the lender does not offer.****xx/xx/xxxx - Rec'd corrected CD.  Missing LOE. ****xx/xx/xxxx - still missing LOE. ****xx/xx/xxxx - Rec'd an unsigned Alternative Lending Form.  This exception is still valid.   Reviewer Comment (2016-12-07): Rec'd LOE and corrected CD.
   12/07/2016     3 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C C C C C C C C C C Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193214 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on  xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $107.50.   Reviewer Comment (2016-09-09): xx/xx/xxxx - Rec'd SSPL
 09/09/2016       1 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193215 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID - Ten Percent Fee Tolerance TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $415.50 exceeds tolerance of $280.00 plus 10% or $308.00 (0) $107.50.   Reviewer Comment (2016-09-13): Updated fees with provided SSPL
 09/13/2016       1 [Redacted] NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193216 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID - Fee Tolerance without Cure TILA-RESPA Integrated Disclosure: Tolerance violation without evidence of sufficient cure provided. The $23 credit on the CD is insufficient to cure the $107.50 violation.   Reviewer Comment (2016-09-09): xx/xx/xxxx - Rec'd SSPL
 09/09/2016       1 [Redacted] NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193217 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Balloon Payment TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on  xx/xx/xxxx incorrectly disclosed whether the loan contains a Balloon Payment. (Final/xx/xx/xxxx) The CD reflects interest only, however the executed note in file does not include interest only terms.   Reviewer Comment (2016-10-28): Received I/O Rider
 10/28/2016       1 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1193219 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx) The CD reflects $63,164.66 whereas actual is $90,773.65. The CD reflects interest only, however the executed note in file does not include interest only terms.   Reviewer Comment (2016-10-28): Received I/O Rider
 10/28/2016       1 [Redacted] NC Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1201092 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided   Missing 1003 for 2nd lien Approval.   Reviewer Comment (2016-09-06): Received
 09/06/2016       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
200821354 [Redacted] [Redacted] 1614738 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. I/O not allowed on HPQM ****xxxxx - Rec'd an unsigned Alternative Lending Form.  This exception is still valid.   Reviewer Comment (2016-12-05): Received signed Credit exception form changing to Non-QM
 12/05/2016       1 [Redacted] NC Primary Purchase     A   A   A   A   A Non QM Non QM No C C
200821354 [Redacted] [Redacted] 1614739 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Monthly Payment - Interest-Only Ability-to-Repay (Dodd-Frank 2014): Improper calculation method used for Non QM qualifying monthly payment (interest-only loan with no balloon payment due within first five (5) years). I/O not allowed on HPQM ****xxxxxx - Rec'd an unsigned Alternative Lending Form.  This exception is still valid.   Reviewer Comment (2016-12-05): Received signed Credit exception form changing to Non-QM
 12/05/2016       1 [Redacted] NC Primary Purchase     A   A   A   A   A Non QM Non QM No C C
200821354 [Redacted] [Redacted] 1614740 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. I/O not allowed on HPQM ****xx/xx/xxxx - Rec'd an unsigned Alternative Lending Form.  This exception is still valid.   Reviewer Comment (2016-12-05): Received signed Credit exception form changing to Non-QM
 12/05/2016       1 [Redacted] NC Primary Purchase     A   A   A   A   A Non QM Non QM No C C
200821354 [Redacted] [Redacted] 1614741 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM Fail. I/O not allowed on HPQM ****xxxxx - Rec'd an unsigned Alternative Lending Form.  This exception is still valid.   Reviewer Comment (2016-12-05): Received signed Credit exception form changing to Non-QM
 12/05/2016       1 [Redacted] NC Primary Purchase Lender to provide updated ATR/QM status   A   A   A   A   A Non QM Non QM Yes C C
200821354 [Redacted] [Redacted] 1614742 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM Deferment of Principal Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan. I/O not allowed on HPQM ****xxxxx - Rec'd an unsigned Alternative Lending Form.  This exception is still valid.   Reviewer Comment (2016-12-05): Received signed Credit exception form changing to Non-QM


Reviewer Comment (2016-12-05): Received unsigned credit exception form/alternative credit lending form. Unable to sign off
 12/05/2016       1 [Redacted] NC Primary Purchase     A   A   A   A   A Non QM Non QM No C C
200821354 [Redacted] [Redacted] 1614743 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML Provision) North Carolina Rate Spread Home Loan (Ability to Repay Requirements Not Met) North Carolina Rate Spread Home Loan: Ability to repay requirements not met. I/O not allowed on HPQM   Reviewer Comment (2016-12-05): Received signed Credit exception form changing to Non-QM
 12/05/2016       1 [Redacted] NC Primary Purchase     A   A   A   A   A Non QM Non QM No C C
200821354 [Redacted] [Redacted] 1655950 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on  xx/xx/xxxx did not disclose number of months for homeowner's insurance under Prepaids. (Final/xx/xx/xxxx) Section F line 01 of the corrected CD dated xx/xx/xxxx S reflects "0" for number of hazard insurance months.   Reviewer Comment (2016-11-14): Rec'd LOE and corrected CD.
     11/14/2016   2 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure   B   B   B   B   B Non QM Non QM Yes C C
200821360 [Redacted] [Redacted] 1191990 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   TRID Non-Compliant.  $10 fee reflected in section A is not labeled.   Reviewer Comment (2016-09-20): Rec'd PC CD dated xx/xx/xxxx reflecting fee name.
     09/20/2016   2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM Yes C B
200821360 [Redacted] [Redacted] 1191991 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Missing Seller's Closing Disclosure.       Reviewer Comment (2016-09-09): xx/xx/xxxx - Rec'd seller's CD.
 09/09/2016       1 [Redacted] GA Primary Purchase Good Faith Redisclosure B A B A B A B A B A Non QM Non QM Yes C B
200821360 [Redacted] [Redacted] 1192077 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Lender did not include $1020 installment or $214 revolving debt in DTI calculations.  This is noted on the AUS which requires verification of exclusion.  No evidence located in the file verifying these debts were paid at close on the First Lien Transaction or they are paid by a third party.   Reviewer Comment (2016-09-15): Received Credit Suppliment showing 2 accounts paid off
 09/15/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
200821360 [Redacted] [Redacted] 1192105 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Title: Evidence of title is missing   File has Warranty Deed reflecting vesting.   Reviewer Comment (2016-09-06): Received Commitment
 09/06/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
200821360 [Redacted] [Redacted] 1192346 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold) Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.98860% or Final Disclosure APR of 8.03500% is in excess of allowable threshold of APOR 2.94% + 3.5%, or 6.44000%. verified fees were input correctly   Reviewer Comment (2016-11-14): xxxxx waives
       11/14/2016 1 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
200821360 [Redacted] [Redacted] 1192349 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM.     Reviewer Comment (2016-09-09): Received Credit Risk Summary changing from HPQM to Non-QM
 09/09/2016       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
200821360 [Redacted] [Redacted] 1192351 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM Deferment of Principal Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan.     Reviewer Comment (2016-09-09): Received Credit Risk Summary changing from HPQM to Non-QM
 09/09/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
200821360 [Redacted] [Redacted] 1192352 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Lender did not include $1020 installment or $214 revolving debt in DTI calculations.  This is noted on the AUS which requires verification of exclusion.  No evidence located in the file verifying these debts were paid at close on the First Lien Transaction or they are paid by a third party.   Reviewer Comment (2016-09-06): Received Credit Supp verifying these two accounts paid off
 09/06/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
200821360 [Redacted] [Redacted] 1192354 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/0xx/xx/xxxx) It is not indicated whether the borrower declined or the lender does not offer. ****xx/xx/xxxx - Rec'd PC CD dated xx/xx/xxxx indicating the lender does not offer.  Missing LOE to the borrower.   Reviewer Comment (2016-09-21): Rec'd LOE and evidence of emailing the PC CD dated xx/xx/xxxx indicating the lender does not offer escrows.
     09/21/2016   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
200821360 [Redacted] [Redacted] 1192393 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Servicing Missing TILA-RESPA Integrated Disclosure - Other Considerations: Loan Estimate provided on  xx/xx/xxxx did not disclose the Servicing statement. (Initial/0xx/xx/xxxx)     Reviewer Comment (2016-08-22): This can only be cured by Final LE; the Servicing Statement is not on the CD.  Once the initial CD is issued it cannot be cured.
   08/22/2016     2 [Redacted] GA Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
200821360 [Redacted] [Redacted] 1192395 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.     Reviewer Comment (2016-09-09): xx/xx/xxxx - Rec'd SSPL.
 09/09/2016       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
200821360 [Redacted] [Redacted] 1194205 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Servicing Missing TILA-RESPA Integrated Disclosure - Other Considerations: Loan Estimate provided on xx/xx/xxxx did not disclose the Servicing statement. (Interim/0xx/xx/xxxx) Neither check box is marked   Reviewer Comment (2016-08-22): This can only be cured by Final LE; the Servicing Statement is not on the CD.  Once the initial CD is issued it cannot be cured.
   08/22/2016     2 [Redacted] GA Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
200821360 [Redacted] [Redacted] 1219951 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. 2 Debts reflected as paid off on AUS, however no documentation for payoff or excluding them from DTI located in file   Reviewer Comment (2016-09-15): Received Credit Suppliment showing 2 accounts paid off
 09/15/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
200821360 [Redacted] [Redacted] 1369912 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   ADDED xx/xx/xxxx:  Rec'd PC CD dated xx/xx/xxxx.  GRMA fee in Section A should be in Section E.   Reviewer Comment (2016-09-21): Rec'd LOE to the borrower, evidence of emailing, and PC CD dated xx/xx/xxxx reflecting the GRMA fee in Section E.
     09/21/2016   2 [Redacted] GA Primary Purchase Good Faith Redisclosure   B   B   B   B   B Non QM Non QM Yes C B
200853343 [Redacted] [Redacted] 1255056 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Tax Certificate not provided   Missing a complete tax certificate that supports monthly property taxes portion of estimated taxes, insurance & assessments on final CD.   Reviewer Comment (2016-10-17): xx/xx/xxxx - Rec'd Tax Information Sheet.
 10/17/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
200853343 [Redacted] [Redacted] 1255101 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Title: Evidence of title is missing       Reviewer Comment (2016-10-17): xx/xx/xxxx - Rec'd title commitment.
 10/17/2016       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
200853343 [Redacted] [Redacted] 1255109 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Missing Seller's Closing Disclosure.                 2 [Redacted] GA Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1255126 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of ___ does not match Calculated P&I of ___ The Note provided calls for 60 payments of $1,419.46 and 180 payments at $1,633.40. The terms provided ($xxx @ 7.500% for 240 month term) supports that Note should be a fixed rate fixed term loan with payments of $1,419.46 monthly.   Reviewer Comment (2017-02-02): Rec'd note and I/O addendum.
 02/02/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
200853343 [Redacted] [Redacted] 1255182 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing a VOR indicating 0x30 past 12 months. Guideline variance approved by lender at time of origination Reviewer Comment (2017-03-17): Received Credit Risk Summary & Exception Approval form. Credit: Housing history (mortgage/rent) requirements not met. Not required per AUS approval. Compensating Factors: 1) Credit History. 2) DTI.
       03/17/2017 2 [Redacted] GA Primary Purchase   C B C BW C B C B C B Non QM Non QM No C C
200853343 [Redacted] [Redacted] 1255290 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. xx/xx/xxxx - Rec'd Consumer Explanation Letter, still missing FACTA disclosure.   Reviewer Comment (2017-01-17): nothing rec'd.
         2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM No C C
200853343 [Redacted] [Redacted] 1255292 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold) Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.55620% or Final Disclosure APR of 7.62600% is in excess of allowable threshold of APOR 2.79% + 3.5%, or 6.29000%. HPML per lender's compliance testing and a borrower acknowledgement.   Reviewer Comment (2016-11-14): xxxxx Waives
       11/14/2016 1 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM No C C
200853343 [Redacted] [Redacted] 1255357 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AP Table First Change TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (Final/xx/xx/xxxx) The CD reflects 5 year I/O, the note is not I/O.   Reviewer Comment (2017-02-02): Rec'd I/O note.
   02/02/2017     3 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1255358 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AP Table Interest Only Payment Period TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on  xx/xx/xxxx disclosed an inaccurate Interest Only Payments Period. (Final/xx/xx/xxxx) The CD reflects 5 year I/O, the note is not I/O.   Reviewer Comment (2017-02-02): Rec'd I/O note.
   02/02/2017     3 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1255359 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AP Table Maximum Payment TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/xx/xx/xxxx) The CD reflects 5 year I/O, the note is not I/O.   Reviewer Comment (2017-02-02): Rec'd I/O note.
   02/02/2017     3 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1255360 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AP Table Subsequent Changes TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/xx/xx/xxxx) The CD reflects 5 year I/O, the note is not I/O.   Reviewer Comment (2017-02-02): Rec'd I/O note.
   02/02/2017     3 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1255361 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on  xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/57735) The CD reflects 5 year I/O, the note is not I/O.   Reviewer Comment (2017-02-02): Rec'd I/O note.
   02/02/2017     3 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1255362 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Min Payment Compare Loan Term P&I TILA-RESPA Integrated Disclosure - Projected Payments: Closing Disclosure provided on  xx/xx/xxxx disclosed minimum principal and interest payment that does not match payment disclosed in Loan Terms table. (ProjSeq:1/57735) The CD reflects 5 year I/O, the note is not I/O.   Reviewer Comment (2017-02-02): Rec'd I/O note.
   02/02/2017     3 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1255363 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Principal and Interest Change After Closing TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on  xx/xx/xxxx incorrectly disclosed whether the Principal and Interest Payment can change. (Final/xx/xx/xxxx) The CD reflects 5 year I/O, the note is not I/O.   Reviewer Comment (2017-02-02): Rec'd I/O note.
   02/02/2017     3 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1255364 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/57736) The CD reflects 5 year I/O, the note is not I/O.   Reviewer Comment (2017-02-02): Rec'd I/O note.
   02/02/2017     3 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1255365 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/57735) The CD reflects 5 year I/O, the note is not I/O.   Reviewer Comment (2017-02-02): Rec'd I/O note.
   02/02/2017     3 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1257156 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) The CD reflects 105.008% whereas actual is 93.987%.   Reviewer Comment (2017-02-02): Rec'd I/O note.
   02/02/2017     2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1257160 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on  xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) It is not indicated whether the borrower declined or the lender does not offer.   Reviewer Comment (2017-03-20): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
   03/20/2017     3 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1257229 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.     Reviewer Comment (2017-03-03): Received Service Provider list dated 0xx/xx/xxxx.
 03/03/2017       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C C
200853343 [Redacted] [Redacted] 1257231 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID - Ten Percent Fee Tolerance TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $736.25 exceeds tolerance of $280.00 plus 10% or $308.00 (0) $428.25.   Reviewer Comment (2017-03-20): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
   03/20/2017     3 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1257233 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID - Fee Tolerance without Cure TILA-RESPA Integrated Disclosure: Tolerance violation without evidence of sufficient cure provided. The $5 credit on the final CD is insufficient to cure the $428.25 violation.   Reviewer Comment (2017-03-20): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
   03/20/2017     3 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C C C C C C C C C C Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1257261 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on  xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $428.25.   Reviewer Comment (2017-03-20): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
   03/20/2017     2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 1257264 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Loan Estimate Seven Day Waiting Period TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. (Initial/0xx/xx/xxxx)     Reviewer Comment (2017-03-23): Cleared with compliance re-run including Saturdays as business days.


Buyer Comment (2017-03-23): LE sent to borrower on xx/xx/xxxx Loan closed 10 days later on xx/xx/xxxx
 03/23/2017       1 [Redacted] GA Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C C
200853343 [Redacted] [Redacted] 1266519 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   The GRMA fee in Section B of the CD should be in Section E.             2 [Redacted] GA Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 2566617 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Principal and Interest TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/xx/xx/xxxx) New exception when rerunning Compliance.   Reviewer Comment (2017-03-20): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
     03/20/2017   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure   B   B   B   B   B Non QM Non QM Yes C C
200853343 [Redacted] [Redacted] 3426622 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Value variance greater than 10% between origination appraisal and subsequent product   CDA Value came in at xxx   Reviewer Comment (2018-02-28): Received field review came in at $xxx
         3 [Redacted] GA Primary Purchase     C   C   C   C   C Non QM Non QM No C C
200980266 [Redacted] [Redacted] 1583469 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided         01/18/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C C
200980266 [Redacted] [Redacted] 1583493 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold)               02/03/2017 1 [Redacted] CA Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C C
200980266 [Redacted] [Redacted] 1583495 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML California HPML Threshold Test               02/03/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C C
200980266 [Redacted] [Redacted] 1583496 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Closing Disclosure Timing without Waiver         01/18/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C C
200980266 [Redacted] [Redacted] 1583497 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date               03/27/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C C
200980266 [Redacted] [Redacted] 1583499 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date               03/27/2017 3 [Redacted] CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C C C C C C C C C C Non QM Non QM Yes C C
200980266 [Redacted] [Redacted] 1601609 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)         01/18/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM Yes C C
200980266 [Redacted] [Redacted] 1601673 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.               03/27/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C C
200999604 [Redacted] [Redacted] 1638311 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold) Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.29650% or Final Disclosure APR of 7.33200% is in excess of allowable threshold of APOR 2.79% + 3.5%, or 6.29000%.  Compliant Higher Priced Loan. Verified fees were input correctly.   Reviewer Comment (2016-11-14): xxxxx Waives
       11/14/2016 2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
200999604 [Redacted] [Redacted] 1638312 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML California HPML Threshold Test California Higher-Priced Loan: APR on subject loan of California Higher-Priced Loan: APR on subject loan of 7.29650% or Final Disclosure APR of 7.33200% is in excess of allowable threshold of APOR 2.79% + 3.5%, or 6.29000%.  Compliant Higher Priced Loan. verified fees were input correctly.             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
200999604 [Redacted] [Redacted] 1638315 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx)               2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
200999604 [Redacted] [Redacted] 1638324 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Title: Evidence of title is missing       Reviewer Comment (2016-11-11): xx/xx/xxxx - Rec'd preliminary title.
 11/11/2016       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
200999604 [Redacted] [Redacted] 1645795 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) It is not indicated whether the borrower declined or the lender does not offer.   Reviewer Comment (2016-11-11): Rec'd LOE and corrected CD
     11/11/2016   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
201609680 [Redacted] [Redacted] 2571143 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-09-12): Received Field Review


Reviewer Comment (2017-09-12): Field review value came in at $66,000 > 10$ variance


Reviewer Comment (2017-06-11): CDA Indeterminate


Reviewer Comment (2017-03-22): Client will order secondary valuation at time of securitization.
 09/12/2017       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C C
201609680 [Redacted] [Redacted] 4294308 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Value variance greater than 10% between origination appraisal and subsequent product   Field review value $66,000 > 10% variance             3 [Redacted] GA Investment Refinance - Cash-out - Other     C   C   C   C   C N/A   No C C
201640776 [Redacted] [Redacted] 2682559 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.     Guideline variance approved by lender at time of origination Reviewer Comment (2017-03-31): Client will order a secondary valuation at the time of securitization.
       03/31/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
201640776 [Redacted] [Redacted] 2682694 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-04-10): rec'd e-consent
 04/10/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
201640776 [Redacted] [Redacted] 2682697 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/0xx/xx/xxxx) The seller's CD reflects $32,033.80  whereas the borrower's CD reflects $31,433.80.   Reviewer Comment (2017-04-10): Rec'd LOE and corrected CD.
     04/10/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
201640776 [Redacted] [Redacted] 2682698 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.     Reviewer Comment (2017-04-10): rec'd SSPL
 04/10/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
201640776 [Redacted] [Redacted] 2682699 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,122.74 exceeds tolerance of $3,115.00.  Insufficent or no cure was provided to the borrower. (8304) Erroneous Reg ID 3060.  $1,917.30 of $3,122.74 total fee was seller paid, and is customarily paid by Seller in the state of FL.   Reviewer Comment (2017-04-10): Paid by seller.


Seller Comment (2017-04-07): It was paid by the seller. So there is no cure. Are you stating the seller can't pay?
 04/10/2017       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
201640776 [Redacted] [Redacted] 2720152 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. Application date xx/xx/xxxx, Disclosure date xx/xx/xxxx.   Reviewer Comment (2017-11-09): Corrected application date


Reviewer Comment (2017-04-10): Pages 12 through 15 and pages 16 through 18 both reflect a date of xx/xx/xxxx at the bottom of page 3 of the 1003.


Seller Comment (2017-04-10): I looked through file no application in the file with that date.. Please email me the application or provide the page number.


Reviewer Comment (2017-04-10): Rec'd screenshot reflecting application date of xx/xx/xxxx.  There is a 1003 in file dated xx/xx/xxxx.
 11/09/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
201640776 [Redacted] [Redacted] 2720153 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.55980% or Final Disclosure APR of 7.58600% is in excess of allowable threshold of APOR 3.48% + 1.5%, or 4.98000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-09): Corrected application date
 11/09/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
201640776 [Redacted] [Redacted] 2720154 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Disclosure) Federal Higher-Priced Mortgage Loan (Right to Receive Cope of Appraisal) TILA HPML Appraisal Rule (Dodd-Frank 2014):  Creditor did not provide "Right to Receive Copy" appraisal disclosure to consumer within three (3) business days of application. Application date xx/xx/xxxx, Disclosure date xx/xx/xxxx.   Reviewer Comment (2017-11-09): Corrected application date


Reviewer Comment (2017-04-10): Rec'd screenshot reflecting application date of xx/xx/xxxx.  There is a 1003 in file dated xx/xx/xxxx.
 11/09/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
201640776 [Redacted] [Redacted] 2720155 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. Application date xx/xx/xxxx, Disclosure date xx/xx/xxxx.   Reviewer Comment (2017-11-09): Corrected application date


Reviewer Comment (2017-04-10): Rec'd screenshot reflecting application date of xx/xx/xxxx.  There is a 1003 in file dated xx/xx/xxxx.
 11/09/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
201640776 [Redacted] [Redacted] 2720158 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Application date xx/xx/xxxx, Disclosure date xx/xx/xxxx.   Reviewer Comment (2017-11-09): Corrected application date


Reviewer Comment (2017-04-10): Rec'd screenshot reflecting application date of xx/xx/xxxx.  There is a 1003 in file dated xx/xx/xxxx.
 11/09/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
201640776 [Redacted] [Redacted] 2720159 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xx/xx/xxxx) Application date xx/xx/xxxx, Disclosure date xx/xx/xxxx.   Reviewer Comment (2017-11-09): Corrected application date


Reviewer Comment (2017-04-10): Rec'd screenshot reflecting application date of xx/xx/xxxx.  There is a 1003 in file dated xx/xx/xxxx.
 11/09/2017       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
201640776 [Redacted] [Redacted] 2720160 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Application date xx/xx/xxxx, Disclosure date xx/xx/xxxx.   Reviewer Comment (2017-11-09): Corrected application date


Reviewer Comment (2017-04-10): Rec'd screenshot reflecting application date of xx/xx/xxxx.  There is a 1003 in file dated xx/xx/xxxx.
 11/09/2017       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
201640776 [Redacted] [Redacted] 2720161 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. Application date xx/xx/xxxx, Disclosure date xx/xx/xxxx.   Reviewer Comment (2017-11-09): Corrected application date


Reviewer Comment (2017-04-10): Rec'd screenshot reflecting application date of xx/xx/xxxx.  There is a 1003 in file dated xx/xx/xxxx.
 11/09/2017       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
201640776 [Redacted] [Redacted] 2782524 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Application xx/xx/xxxx, Disclosure xx/xx/xxxx.   Reviewer Comment (2017-11-09): Corrected application date


Reviewer Comment (2017-04-10): Rec'd screenshot reflecting application date of xx/xx/xxxx.  There is a 1003 in file dated xx/xx/xxxx.
 11/09/2017       1 [Redacted] FL Primary Purchase No Defined Cure   A   A   A   A   A Non QM Non QM No C B
201652590 [Redacted] [Redacted] 2809074 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-06-08): Received CDA


Reviewer Comment (2017-06-08): CDA Received, need to move to clear


Reviewer Comment (2017-04-24): Client will order a secondary valuation at the time of securitization.
 06/08/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
201652590 [Redacted] [Redacted] 2809176 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2017-05-02): rec'd FACTA disclosure
 05/02/2017       1 [Redacted] CA Primary Purchase   B A B A B A B A B A Non QM Non QM No C C
201652590 [Redacted] [Redacted] 2809179 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Amount Financed TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. (Final/0xx/xx/xxxx) 529,701.46 < 616,208.95   Reviewer Comment (2017-07-18): Received, LOE, Deliver, PC CD, and Mod


Reviewer Comment (2017-07-12): Modification is not sufficient as it lacks key components


Reviewer Comment (2017-05-02): Rec'd a PC CD dated xx/xx/xxxx reflecting an amount financed of $529,701.46.
   07/18/2017     3 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C C C C C C C C C C Non QM Non QM Yes C C
201652590 [Redacted] [Redacted] 2809180 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/0xx/xx/xxxx)     Reviewer Comment (2017-05-02): cleared with compliance re-run
 05/02/2017       1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C C
201652590 [Redacted] [Redacted] 2809183 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/0xx/xx/xxxx) 605,611.27 < 616,208.95   Reviewer Comment (2017-07-18): Received Mod, LOE, Delivery, PC CD


Reviewer Comment (2017-05-02): Rec'd a PC CD dated xx/xx/xxxx reflecting a Finance Charge of $616,983.85.
   07/18/2017     3 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C C C C C C C C C C Non QM Non QM Yes C C
201652590 [Redacted] [Redacted] 2809184 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/0xx/xx/xxxx) 110.379 < 112.485   Reviewer Comment (2017-05-02): Rec'd LOE, corrected CD and evidence of emailing.
     05/02/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C C
201652590 [Redacted] [Redacted] 2809185 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total of Payments that does not match the actual total of payments for the loan. (Final/0xx/xx/xxxx) 1,146,641.27 < 1,158,013.95   Reviewer Comment (2017-05-02): Rec'd LOE, corrected CD and evidence of emailing.
     05/02/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C C
201652590 [Redacted] [Redacted] 2809187 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/0xx/xx/xxxx)     Reviewer Comment (2017-05-02): Rec'd Seller's CD
 05/02/2017       1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C C
201652590 [Redacted] [Redacted] 2907815 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided       Reviewer Comment (2017-05-02): rec'd fraud report
 05/02/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
201652590 [Redacted] [Redacted] 2957843 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Assets Error: Usability  was not provided   Missing 100% access letter from non-borrowing party shown for xxxx xxx and xxx accounts.   Reviewer Comment (2017-05-02): Joint account with spouse, not required.


Seller Comment (2017-05-02): joint on account is wife- she is on title
 05/02/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
201652590 [Redacted] [Redacted] 2988645 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/0xx/xx/xxxx) The seller's CD reflects $33,284.45 whereas the borrower's CD reflects $5,884.45   Reviewer Comment (2017-07-20): Recieved LOE and PCCD


Reviewer Comment (2017-07-20): Cure date is x/xx


Reviewer Comment (2017-07-18): Received Mod, LOE, Delivery, PC CD
     07/20/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure   B   B   B   B   B Non QM Non QM Yes C C
201652590 [Redacted] [Redacted] 2988896 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   TRID non-compliant:  Rec'd a PC CD dated xx/xx/xxxx reflecting a minimum interest rate of 4%.  The note reflects 5.25%.   Reviewer Comment (2017-07-18): Waiting on signed Modification.


Reviewer Comment (2017-07-18): Incorrectly sent PC CD, received Mod and PC CD
 07/18/2017       1 [Redacted] CA Primary Purchase     A   A   A   A   A Non QM Non QM Yes C C
201707795 [Redacted] [Redacted] 2919606 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-06-08): Received CDA


Reviewer Comment (2017-06-08): CDA Received, need to move to clear


Reviewer Comment (2017-05-09): Client will order a secondary valuation at the time of securitization.
 06/08/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
201707795 [Redacted] [Redacted] 2920074 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.83700% or Final Disclosure APR of 7.89400% is in excess of allowable threshold of APOR 3.46% + 1.5%, or 4.96000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-05-17): Rec'd third party verification of business
 05/17/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
201707795 [Redacted] [Redacted] 2920081 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. File does not contain evidence the borrower authorized electronic disclosures   Reviewer Comment (2017-05-17): rec'd e-consent
 05/17/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
201707795 [Redacted] [Redacted] 3068637 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing annual tax, insurance and HOA verification for or proof of free and clear   Reviewer Comment (2017-06-08): Received email for HOA fees from HOA


Reviewer Comment (2017-06-08): xxxxx is not owned by borrower - waiting on HOA for xxxx


Seller Comment (2017-06-08): xxxxx  please see upload is not in borrowers name


Reviewer Comment (2017-06-03): Still missing for xxxxx, all others reviewed and updated


Reviewer Comment (2017-05-17): Rec'd tax info for xxxxxx.  Still missing Insurance and HOA for xxxxx.  Missing Tax, Insurance and HOA for xxxxx
 06/08/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
201707795 [Redacted] [Redacted] 3068830 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx xxxxx. - Missing xxxx K-1 supporting $39,427.00 annual ordinary income used to qualify

xxxxx - Missing third party verification/proof of self-employment		   Reviewer Comment (2017-06-07): Rec'd xxxx


Reviewer Comment (2017-05-20): xxxxxxxis not for our Borrower. Different last name and social security number.


Reviewer Comment (2017-05-17): Rec'd third party.  Still missing xxxx
 06/07/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
201707795 [Redacted] [Redacted] 3068912 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2017-05-17): Rec'd third party verification of business
 05/17/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
201707795 [Redacted] [Redacted] 3068913 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.     Reviewer Comment (2017-05-17): Rec'd third party verification of business
 05/17/2017       1 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
201707795 [Redacted] [Redacted] 3068915 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Employment - S-Corp Ability to Repay (Dodd-Frank 2014): Unable to verify current S-Corp employment status using reasonably reliable third-party records. (xxxxx) Our Family Laundromat Inc. - Missing third party verification/proof of self-employment   Reviewer Comment (2017-05-17): Rec'd third party.
 05/17/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
201707795 [Redacted] [Redacted] 3068916 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.     Reviewer Comment (2017-05-17): Rec'd third party verification of business
 05/17/2017       1 [Redacted] FL Primary Purchase   A A A A A A A A A A Non QM Non QM No C B
201707795 [Redacted] [Redacted] 3344762 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. With updated taxes / HOA fees from property information - DTI is 50.11% Credit history, reserves, residual income Reviewer Comment (2017-06-19): Rec'd exception for DTI exceeds guidelines
       06/19/2017 2 [Redacted] FL Primary Purchase     B   B   B   B   B Non QM Non QM No C B
201716005 [Redacted] [Redacted] 2944042 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-06-08): Received CDA


Reviewer Comment (2017-06-08): CDA Received, need to move to clear


Reviewer Comment (2017-05-05): Client will order a secondary valuation at the time of securitization.
 06/08/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
201716005 [Redacted] [Redacted] 2944395 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. The initial 1003 is dated xx/xx/xxxx.  Early disclosures are dated xx/xx/xxxx.   Reviewer Comment (2017-05-26): Updated Creditor App date to xx/xx/xxxx, cleared issue.


Reviewer Comment (2017-05-24): Rec'd LOE from the lender that references a COC that was done on xx/xx/xxxx. The 1003 in the loan file that was printed out of xxxxxx reflects xx/xx/xxxx. The one printed from xxxxxx reflects xx/xx/xxxx. It would appear the broker app date is xx/xx/xxxx and the creditor app date is xx/xx/xxxx. The LOE does not address the issue of the broker application date on the initial 1003.


Reviewer Comment (2017-05-09): Rec'd a 1003 dated xx/xx/xxxx.  The file contains a 1003 dated xx/xx/xxxx (page 14).
 05/26/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   B A B A B A B A B A Non QM Non QM No C B
201716005 [Redacted] [Redacted] 2944396 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.38300% or Final Disclosure APR of 6.37600% is in excess of allowable threshold of APOR 3.48% + 1.5%, or 4.98000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-05-26): Updated Creditor App date to xx/xx/xxxx, cleared issue.
 05/26/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
201716005 [Redacted] [Redacted] 2944398 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Disclosure) Federal Higher-Priced Mortgage Loan (Right to Receive Cope of Appraisal) TILA HPML Appraisal Rule (Dodd-Frank 2014):  Creditor did not provide "Right to Receive Copy" appraisal disclosure to consumer within three (3) business days of application. The initial 1003 is dated xx/xx/xxxx.  Early disclosures are dated xx/xx/xxxx.   Reviewer Comment (2017-05-26): Updated Creditor App date to xx/xx/xxxx, cleared issue.


Reviewer Comment (2017-05-24): Rec'd LOE from the lender that references a COC that was done on xx/xx/xxxx. The 1003 in the loan file that was printed out of xxxxxx reflects xx/xx/xxxx. The one printed from xxxxxx reflects xx/xx/xxxx. It would appear the broker app date is xx/xx/xxxx and the creditor app date is xx/xx/xxxx. The LOE does not address the issue of the broker application date on the initial 1003.


Reviewer Comment (2017-05-09): Rec'd a 1003 dated xx/xx/xxxx.  The file contains a 1003 dated xx/xx/xxxx (page 14).
 05/26/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
201716005 [Redacted] [Redacted] 2944411 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. The initial 1003 is dated xx/xx/xxxx.  Early disclosures are dated xx/xx/xxxx.   Reviewer Comment (2017-05-31): Received attestation letter and application dated xx/xx/xxxx, reviewed with compliance okay to clear


Reviewer Comment (2017-05-24): Rec'd LOE from the lender that references a COC that was done on xx/xx/xxxx. The 1003 in the loan file that was printed out of xxxxxx reflects xx/xx/xxxx. The one printed from xxxxxx reflects xx/xx/xxxx. It would appear the broker app date is xx/xx/xxxx and the creditor app date is xx/xx/xxxx. The LOE does not address the issue of the broker application date on the initial 1003.


Reviewer Comment (2017-05-09): Rec'd a 1003 dated xx/xx/xxxx.  The file contains a 1003 dated xx/xx/xxxx (page 14).
 05/31/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   B A B A B A B A B A Non QM Non QM No C B
201716005 [Redacted] [Redacted] 2944419 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/0xx/xx/xxxx) The initial 1003 is dated xx/xx/xxxx.  Early disclosures are dated xx/xx/xxxx.   Reviewer Comment (2017-05-31): Received attestation letter and application dated xx/xx/xxxx, reviewed with compliance okay to clear


Reviewer Comment (2017-05-24): Rec'd LOE from the lender that references a COC that was done on xx/xx/xxxx. The 1003 in the loan file that was printed out of xxxxxx reflects xx/xx/xxxx. The one printed from xxxxxx reflects xx/xx/xxxx. It would appear the broker app date is xx/xx/xxxx and the creditor app date is xx/xx/xxxx. The LOE does not address the issue of the broker application date on the initial 1003.


Reviewer Comment (2017-05-09): Rec'd a 1003 dated xx/xx/xxxx.  The file contains a 1003 dated xx/xx/xxxx (page 14).
 05/31/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
201716005 [Redacted] [Redacted] 2944421 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. The initial 1003 is dated xx/xx/xxxx.  Early disclosures are dated xx/xx/xxxx.   Reviewer Comment (2017-05-31): Received attestation letter and application dated xx/xx/xxxx, reviewed with compliance okay to clear


Reviewer Comment (2017-05-24): Rec'd LOE from the lender that references a COC that was done on xx/xx/xxxx. The 1003 in the loan file that was printed out of xxxxxx reflects xx/xx/xxxx. The one printed from xxxxxx reflects xx/xx/xxxx. It would appear the broker app date is xx/xx/xxxx and the creditor app date is xx/xx/xxxx. The LOE does not address the issue of the broker application date on the initial 1003.


Reviewer Comment (2017-05-09): Rec'd a 1003 dated xx/xx/xxxx.  The file contains a 1003 dated xx/xx/xxxx (page 14).
 05/31/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
201716005 [Redacted] [Redacted] 2944424 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. The initial 1003 is dated xx/xx/xxxx.  Early disclosures are dated xx/xx/xxxx.   Reviewer Comment (2017-06-01): Received proof ARM disclosure sent xx/xxx


Reviewer Comment (2017-05-24): Rec'd LOE from the lender that references a COC that was done on xx/xx/xxxx. The 1003 in the loan file that was printed out of xxxxxx reflects xx/xx/xxxx. The one printed from xxxxxx reflects xx/xx/xxxx. It would appear the broker app date is xx/xx/xxxx and the creditor app date is xx/xx/xxxx. The LOE does not address the issue of the broker application date on the initial 1003.
 06/01/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
201716005 [Redacted] [Redacted] 2944597 [Redacted] [Redacted] Compliance Compliance Federal Compliance Missing Required Data (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined.  Any applicable Federal, State or Local compliance testing is unreliable.     Reviewer Comment (2017-06-01): Updated input


Reviewer Comment (2017-05-24): Rec'd LOE from the lender that references a COC that was done on xx/xx/xxxx. The 1003 in the loan file that was printed out of xxxxxx reflects xx/xx/xxxx. The one printed from xxxxxx reflects xx/xx/xxxx. It would appear the broker app date is xx/xx/xxxx and the creditor app date is xx/xx/xxxx. The LOE does not address the issue of the broker application date on the initial 1003.


Reviewer Comment (2017-05-09): The application in file dated xx/xx/xxxx contains these 6 pieces of information:
Name
Income
Social Security Number
Property Address
Estimated Value of Property
Mortgage Loan Amount sought
and constitutes a valid loan application under the TRID rule.


Seller Comment (2017-05-08): here is the initial 1003- the loan application from x/xx could not move forward due to appraised value- this is the corrected one that was sent to us and fully executed.
 06/01/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
201716005 [Redacted] [Redacted] 3027268 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. The initial 1003 is dated xx/xx/xxxx.  Early disclosures are dated xx/xx/xxxx.   Reviewer Comment (2017-05-26): Updated Creditor App date to xx/xx/xxxx, cleared issue.


Reviewer Comment (2017-05-24): Rec'd LOE from the lender that references a COC that was done on xx/xx/xxxx. The 1003 in the loan file that was printed out of xxxxxx reflects xx/xx/xxxx. The one printed from xxxxxx reflects xx/xx/xxxx. It would appear the broker app date is xx/xx/xxxx and the creditor app date is xx/xx/xxxx. The LOE does not address the issue of the broker application date on the initial 1003.
 05/26/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   B A B A B A B A B A Non QM Non QM No C B
201716005 [Redacted] [Redacted] 3027269 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/0xx/xx/xxxx) The CD reflects $424,813.58 whereas actual is $425,108.58.  Difference of $295.   Reviewer Comment (2017-05-10): Received all required doc (ROR was uploaded separately and sent at same time)


Reviewer Comment (2017-05-10): Received copy of refund check with proof of delivery. Received re-open of Rescission document - but no proof of delivery.


Seller Comment (2017-05-09): copy of refund check and proof of delivery uploaded- we don't reopen rescission for a tolerance cure...please check with Stephanie


Reviewer Comment (2017-05-09): Rec'd a PC CD dated xx/xx/xxxx reflecting an accurate finance charge along with an LOE to the borrower and evidence of emailing.  Missing a copy of the refund check for the underdisclosed amount,  evidence rescission was re-opened and proof of delivery.
     05/10/2017   2 [Redacted] FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
201716005 [Redacted] [Redacted] 3027271 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. The initial 1003 is dated xx/xx/xxxx.  Early disclosures are dated xx/xx/xxxx.   Reviewer Comment (2017-05-26): Updated Creditor App date to xx/xx/xxxx, cleared issue.


Reviewer Comment (2017-05-24): Rec'd LOE from the lender that references a COC that was done on xx/xx/xxxx. The 1003 in the loan file that was printed out of xxxxxx reflects xx/xx/xxxx. The one printed from xxxxxx reflects xx/xx/xxxx. It would appear the broker app date is xx/xx/xxxx and the creditor app date is xx/xx/xxxx. The LOE does not address the issue of the broker application date on the initial 1003.


Reviewer Comment (2017-05-09): Rec'd a 1003 dated xx/xx/xxxx.  The file contains a 1003 dated xx/xx/xxxx (page 14).
 05/26/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
201716005 [Redacted] [Redacted] 3028100 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___.   Credit score, reserves Reviewer Comment (2017-05-05): Exception in file for Other: Loan Amount.  Cash out exceeds program max.
       05/05/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
201716005 [Redacted] [Redacted] 3262626 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Federal HPML 2014 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.38300% or Final Disclosure APR of 6.37600% is in excess of allowable threshold of APOR 3.48% + 1.5%, or 4.98000%.  Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-06-01): Client accepts
       06/01/2017 1 [Redacted] FL Primary Refinance - Cash-out - Other     A   A   A   A   A Non QM Non QM No C B
201907275 [Redacted] [Redacted] 3323507 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided       Reviewer Comment (2017-06-08): Received
 06/08/2017       1 [Redacted] FL Primary Purchase   D A D A D A D A D A Non QM Non QM No D B
201907275 [Redacted] [Redacted] 3323531 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-06-08): CDA received
 06/08/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No D B
201907275 [Redacted] [Redacted] 3323688 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-06-08): Received consent
 06/08/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No D B
201907275 [Redacted] [Redacted] 3382866 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. Credit Risk Summary & Exception Approval form in file, page 2. LTV Exceeds maximum allowed by program. Compensating Factors: 1) Reserves. 7.8 > 6 months, 12,237.46 reserves Reviewer Comment (2017-06-07): Compensating Factors: 1) Reserves.
       06/07/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No D B
201907280 [Redacted] [Redacted] 3342190 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-10-04): Received CDA within 10% tolerance


Reviewer Comment (2017-06-13): CDA not received


Reviewer Comment (2017-06-08): CDA received
 10/04/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
201907280 [Redacted] [Redacted] 3342410 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-06-07): rec'd e-consent
 06/07/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
201907291 [Redacted] [Redacted] 3339545 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Reserves of 2.25 is < 3 months required but meets exception policy based on compensating factors of high residual income and low LTV. Borrower on this Full documentation loan has a disposable income of $7,496.39 > $1,650.00 guideline minimum.

558 representative FICO score > 540 guideline minimum - 18 points above guideline minimum		 Reviewer Comment (2017-06-09): Credit Risk Summary & Exception approval p2
       06/09/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
201907291 [Redacted] [Redacted] 3339548 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI of 47.08 exceeds 45% but meets exception policy based on compensating factors of high residual income and low LTV. Borrower on this Full documentation loan has a disposable income of $7,496.39 > $1,650.00 guideline minimum.

558 representative FICO score > 540 guideline minimum - 18 points above guideline minimum		 Reviewer Comment (2017-06-09): Credit Risk Summary & Exception approval p2
       06/09/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
201907291 [Redacted] [Redacted] 3339558 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-10-04): Received CDA within 10% tolerance


Reviewer Comment (2017-06-13): CDA not received


Reviewer Comment (2017-06-08): CDA received
 10/04/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
201907291 [Redacted] [Redacted] 3340099 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/0xx/xx/xxxx) The seller's CD reflects $30.,700.56 whereas the borrower's CD reflects $31,450.56.   Reviewer Comment (2017-06-13): Rec'd LOE, corrected CD and evidence of emailing.
     06/13/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
201917683 [Redacted] [Redacted] 3400681 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Higher Priced QM No C A
201917683 [Redacted] [Redacted] 3473778 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing 100% access letter from non-borrowing joint asset holder.   Reviewer Comment (2017-06-15): 3.13 Funds held jointly with a non-borrowing spouse are considered the borrower's funds.


Seller Comment (2017-06-15): please see upload non-borrower is the spouse of our borrower no letter needed
 06/15/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Higher Priced QM No C A
201917683 [Redacted] [Redacted] 3474275 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Missing Change of Circumstance document for LE dated 0xx/xx/xxxx adding $5,181.00 fee.   Reviewer Comment (2017-06-19): Received Change of Circumstance document dated xx/xx/xxxx due to xx/xx/xxxx re-lock.


Reviewer Comment (2017-06-19): Change of Circumstance dated xx/xx/xxxx shows Change Received Date of xx/xx/xxxx and Revised LE Due Date xx/xx/xxxx. Dates not valid - need valid Change of Circumstance for xx/xx/xxxx change in fee.


Reviewer Comment (2017-06-15): Change of Circumstance document for LE dated xx/xx/xxxx was not provided.
 06/19/2017       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Higher Priced QM Higher Priced QM Yes C A
201917683 [Redacted] [Redacted] 3474276 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $5,181.60 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200) Missing Change of Circumstance document for LE dated 0xx/xx/xxxx adding this fee.   Reviewer Comment (2017-06-19): Received Change of Circumstance document dated xx/xx/xxxx due to xx/xx/xxxx re-lock.


Reviewer Comment (2017-06-19): Change of Circumstance dated xx/xx/xxxx shows Change Received Date of xx/xx/xxxx and Revised LE Due Date xx/xx/xxxx. Dates not valid - need valid Change of Circumstance for xx/xx/xxxx change in fee.


Seller Comment (2017-06-19): uploaded cic dated xxxx


Reviewer Comment (2017-06-15): Change of Circumstance document for LE dated xx/xx/xxxx was not provided.
 06/19/2017       1 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Higher Priced QM Higher Priced QM Yes C A
201917685 [Redacted] [Redacted] 3415886 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] GA Investment Purchase   C A C A C A C A C A N/A N/A No C B
201917685 [Redacted] [Redacted] 3416339 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/0xx/xx/xxxx) Mortgage Broker NMLS ID field is blank   Reviewer Comment (2017-06-15): Rec'd LOE, corrected CD and evidence of emailing.
     06/15/2017   2 [Redacted] GA Investment Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B N/A N/A Yes C B
201917685 [Redacted] [Redacted] 3416345 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/0xx/xx/xxxx) Hazard insurance $1,838 / 12 = $153.17.  The CD reflects $153 / mo.   Reviewer Comment (2017-06-15): Rec'd LOE, corrected CD and evidence of emailing.
     06/15/2017   2 [Redacted] GA Investment Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B N/A N/A Yes C B
201917685 [Redacted] [Redacted] 3416346 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepayment Penalty Amount TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xx/xx/xxxx with a prepayment payment disclosed the maximum prepayment penalty amount that does not match the actual maximum amount for the loan. (Final/0xx/xx/xxxx) The CD reflects $7,176 whereas actual is $7,167.   Reviewer Comment (2017-06-15): Rec'd LOE, corrected CD and evidence of emailing.
     06/15/2017   2 [Redacted] GA Investment Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B N/A N/A Yes C B
201917685 [Redacted] [Redacted] 3478544 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/201744) Hazard insurance $1,838 / 12 = $153.17.  The CD reflects $153 / mo.   Reviewer Comment (2017-06-15): Rec'd LOE, corrected CD and evidence of emailing.
     06/15/2017   2 [Redacted] GA Investment Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B N/A N/A Yes C B
201917685 [Redacted] [Redacted] 3478545 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/201745) Hazard insurance $1,838 / 12 = $153.17.  The CD reflects $153 / mo.   Reviewer Comment (2017-06-15): Rec'd LOE, corrected CD and evidence of emailing.
     06/15/2017   2 [Redacted] GA Investment Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B N/A N/A Yes C B
201917685 [Redacted] [Redacted] 3478546 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/201746) Hazard insurance $1,838 / 12 = $153.17.  The CD reflects $153 / mo.   Reviewer Comment (2017-06-15): Rec'd LOE, corrected CD and evidence of emailing.
     06/15/2017   2 [Redacted] GA Investment Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B N/A N/A Yes C B
201917685 [Redacted] [Redacted] 3478547 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/201747) Hazard insurance $1,838 / 12 = $153.17.  The CD reflects $153 / mo.   Reviewer Comment (2017-06-15): Rec'd LOE, corrected CD and evidence of emailing.
     06/15/2017   2 [Redacted] GA Investment Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B N/A N/A Yes C B
201917685 [Redacted] [Redacted] 3478548 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/201744) Hazard insurance $1,838 / 12 = $153.17.  The CD reflects $153 / mo.   Reviewer Comment (2017-06-15): Rec'd LOE, corrected CD and evidence of emailing.
     06/15/2017   2 [Redacted] GA Investment Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B N/A N/A Yes C B
201966190 [Redacted] [Redacted] 3503057 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower did not sign the Note individually, only signed for LLC. See Guideline 18 Title/Ownership Interest. 16 months > 4 months. $91,892.13 available for reserves. Reviewer Comment (2017-06-23): Received Credit Risk Summary & Exception Approval. Borrower did not sign note and security instrument individually, only as LLC. Compensating Factors: 1) Credit Score. 2) Reserves.
       06/23/2017 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
201966190 [Redacted] [Redacted] 3503065 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower did not sign Security Instrument individually, only as LLC, See Guideline 18 Title/Ownership Interest 16 months > 4 months. $91,892.13 available for reserves. Reviewer Comment (2017-06-23): Received Credit Risk Summary & Exception Approval. Borrower did not sign note and security instrument individually, only as LLC. Compensating Factors: 1) Credit Score. 2) Reserves.
       06/23/2017 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
201966190 [Redacted] [Redacted] 3548013 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Debt service ratio issue   DSR > 90% @ 144%   Rental Survey = $3950 - PITIA = $5701.10 16 months > 4 months. $91,892.13 available for reserves. Reviewer Comment (2018-03-01): Received Credit Risk Summary & Exception approval xx/xx/xxxx, waiving the evidence of receipt of 3 months rent


Reviewer Comment (2017-10-12): Received PB G/L

6.2 Income Documentation
6.2.1 Rental Income for Subject Property
• purchase Transactions:
Market rents from the appraisal will be used to calculate property cash flow ratio. Tax returns are not required.
• Refinance Transactions:
Market rents will be used for debt service ratios unless a lease can be provided with proof of receipt of three (3) month's rent.
Leases are required to be for a term of not less than (twelve) 12 months, though such leases may convert to month-to-month tenancies upon expiration

Missing evidence of receipt of 3 mos rent/lease


Seller Comment (2017-06-26): Please review AOPB Cash Flow Guidelines - currently reviewing Mortgage Solutions guidelines.


Reviewer Comment (2017-06-23): Guideline 17.2 Income Documentation. Refinance Transactions: Market rents will be used for debt service ratios unless a lease can be provided with proof of receipt of three (3) month's rent. (missing proof of receipt of 2 months rent for each unit)


Seller Comment (2017-06-23): 2 leases for this property totaling $8,000 in rent - DSR 72.72%
       03/01/2018 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
201966190 [Redacted] [Redacted] 3548065 [Redacted] [Redacted] Property Credit AUS Discrepancy / Guidelines Discrepancy Credit Property is vacant   Refinance, Subject cannot be vacant.   Reviewer Comment (2017-06-26): Received revised Appraisal indicating that property has a Tenant.


Reviewer Comment (2017-06-23): Appraisal is marked Vacant.
 06/26/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
201966197 [Redacted] [Redacted] 3484336 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: 0xx/xx/xxxx   Credit Score 775

Reserves 41 mos		 Reviewer Comment (2017-06-23): xx/xx/xxxx Received Credit Risk Summary & Exception approval
       06/23/2017 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
201966197 [Redacted] [Redacted] 3496327 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower did not sign the Note individually, only signed for LLC. See Guideline 18 Title/Ownership Interest. Credit Score 775

Reserves 41 mos		 Reviewer Comment (2017-06-23): xx/xx/xxxx Received Credit Risk Summary & Exception approval
       06/23/2017 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
201966197 [Redacted] [Redacted] 3496331 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower did not sign Security Instrument individually, only as LLC, See Guideline 18 Title/Ownership Interest Credit Score 775

Reserves 41 mos		 Reviewer Comment (2017-06-23): xx/xx/xxxx Received Credit Risk Summary & Exception approval
       06/23/2017 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
201966197 [Redacted] [Redacted] 3496691 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   CDA in file is Indeterminate, for Securitization Purposes, this remains open until a Field Review can be completed at a later date.   Reviewer Comment (2017-11-07): Received field review at Origination Value
 11/07/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
201966197 [Redacted] [Redacted] 3496769 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Property has been listed for sale in the past 12 months.   Listed for sale x/xx, 2 months short of guideline requirement. Guideline variance approved by lender at time of origination Reviewer Comment (2017-06-16): Credit Risk Summary & Exception approval p1
       06/16/2017 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
201966219 [Redacted] [Redacted] 3482567 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-10-18): Received Field Review supporting original value
 10/18/2017       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C B
201966219 [Redacted] [Redacted] 3499438 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: 0xx/xx/xxxx   Credit Score 684 Reviewer Comment (2017-06-23): xx/xx/xxxx Received Credit Risk Summary & Exception approval
       06/23/2017 2 [Redacted] GA Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
201966219 [Redacted] [Redacted] 3499923 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower did not sign the Note individually, only signed for LLC. See Guideline 18 Title/Ownership Interest. Credit Score 684 Reviewer Comment (2017-06-23): xx/xx/xxxx Received Credit Risk Summary & Exception approval
       06/23/2017 2 [Redacted] GA Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
201966219 [Redacted] [Redacted] 3499933 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower did not sign Security Instrument individually, only as LLC, See Guideline 18 Title/Ownership Interest Credit Score 684 Reviewer Comment (2017-06-23): xx/xx/xxxx Received Credit Risk Summary & Exception approval
       06/23/2017 2 [Redacted] GA Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202034648 [Redacted] [Redacted] 3658970 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202034648 [Redacted] [Redacted] 3659518 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/0xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $10,871.11 while closing CD seller's fees total $0.00.   Reviewer Comment (2017-07-12): Rec'd LOE, corrected CD and evidence of emailing.
     07/12/2017   2 [Redacted] FL Investment Purchase   B B B B B B B B B B N/A N/A Yes C B
202034648 [Redacted] [Redacted] 3676241 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Provide Esign consent agreement executed on or before xx/xx/xxxx.   Reviewer Comment (2017-07-12): rec'd e-consent
 07/12/2017       1 [Redacted] FL Investment Purchase No Defined Cure B A B A B A B A B A N/A N/A No C B
202034650 [Redacted] [Redacted] 3670445 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-18): Received Field review supporting origination value
 10/18/2017       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202034650 [Redacted] [Redacted] 3670861 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-07-10): rec'd e-consent
 07/10/2017       1 [Redacted] FL Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202034650 [Redacted] [Redacted] 3670865 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 0xx/xx/xxxx incorrectly disclosed whether the loan contains a Demand Feature. (Final/0xx/xx/xxxx) Left blank   Reviewer Comment (2017-07-10): Rec'd LOE, corrected CD and evidence of emailing.
     07/10/2017   2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202034650 [Redacted] [Redacted] 3670868 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Negative Amortization TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 0xx/xx/xxxx incorrectly disclosed whether the loan contains Negative Amortization. (Final/0xx/xx/xxxx) Left blank   Reviewer Comment (2017-07-10): Rec'd LOE, corrected CD and evidence of emailing.
     07/10/2017   2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202034650 [Redacted] [Redacted] 3670869 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Partial Payments TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 0xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/0xx/xx/xxxx) Left blank   Reviewer Comment (2017-07-10): Rec'd LOE, corrected CD and evidence of emailing.
     07/10/2017   2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202034650 [Redacted] [Redacted] 3683599 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Final 1003 does not indicate the borrower is self-employed which is required for the bank statement program.   Reviewer Comment (2017-07-10): Received final 1003


Reviewer Comment (2017-07-10): Rec'd the initial CD.  Missing the final CD indicating the borrower is self employed.
 07/10/2017       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202034650 [Redacted] [Redacted] 3683748 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___.   credit history Reviewer Comment (2017-07-10): Rec'd exception for:  Loan amount less than minimum allowed by program
       07/10/2017 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202034650 [Redacted] [Redacted] 3708155 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/0xx/xx/xxxx) The seller's CD reflects $9,575 whereas the borrower's CD reflects $9,425.   Reviewer Comment (2017-07-10): Rec'd LOE, corrected CD and evidence of emailing.
     07/10/2017   2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202034650 [Redacted] [Redacted] 3708220 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Missing Seller's Closing Disclosure.   Only page 1 in file.   Reviewer Comment (2017-07-10): Rec'd complete seller's CD
     07/10/2017   2 [Redacted] FL Second Home Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202065385 [Redacted] [Redacted] 3711680 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Additional Property Taxes Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose number of months for Additional Property Taxes under Prepaids. (Final/0xx/xx/xxxx) Section F Line 05 (# of months) is blank   Reviewer Comment (2017-08-17): Rec'd LOE and corrected CD.


Reviewer Comment (2017-08-16): Rec'd corrected CD, missing LOE to the borrower.
     08/17/2017   2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202065385 [Redacted] [Redacted] 3711681 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/0xx/xx/xxxx) Section F Line 06 (# of months) is blank   Reviewer Comment (2017-08-17): Rec'd LOE and corrected CD.


Reviewer Comment (2017-08-16): Rec'd corrected CD, missing LOE to the borrower.
     08/17/2017   2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202065385 [Redacted] [Redacted] 3711687 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 2.47 months < 3 months Non-Prime 5/1 ARM program.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: LTV and Payment Shock Guideline variance approved by lender at time of origination. Reviewer Comment (2017-07-12): Credit risk summary & Exception approval p2
       07/12/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202065385 [Redacted] [Redacted] 3711688 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202065385 [Redacted] [Redacted] 3711690 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing Tax Transcripts for Co-borrower 41.5094% LTV < 70% guideline max Reviewer Comment (2017-08-16): Received Credit Risk Summary & Exception Approval. Income Documentation missing - missing 2015 and 2016 transcripts for xxx. Compensating Factors: 1) LTV. 2) Payment Shock. 3) Stable Employment History.
       08/16/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202065385 [Redacted] [Redacted] 3732842 [Redacted] [Redacted] Credit Missing Document General Missing Document Incomplete Document: 1003 Initial - Lender's is incomplete   xxxxxxxxx   Reviewer Comment (2017-08-16): Received Vvoe for previous employment.
 08/16/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   B A B A B A B A B A Non QM Non QM No C B
202065385 [Redacted] [Redacted] 3748733 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.     Reviewer Comment (2017-08-16): Received
 08/16/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202065387 [Redacted] [Redacted] 3721877 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] TX Investment Purchase   C A C A C A C A C A N/A   No C A
202065390 [Redacted] [Redacted] 3715872 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C A
202077332 [Redacted] [Redacted] 3753362 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower did not sign the Note individually, only signed for LLC. See Guideline 18 Title/Ownership Interest. 10 mos reserves Reviewer Comment (2017-07-17): Received Credit Risk Summary & Exception approval xx/xx/xxxx


Reviewer Comment (2017-07-17): The Note/SI predates the New Guidelines, we use the guidelines prior to the Note.


Seller Comment (2017-07-17): Guidelines were updated on xx/xx/xxxx - Please review Title/Ownership Interest and clear
       07/17/2017 2 [Redacted] GA Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202077332 [Redacted] [Redacted] 3753369 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower did not sign Security Instrument individually, only as LLC, See Guideline 18 Title/Ownership Interest 10 mos reserves Reviewer Comment (2017-07-17): Received Credit Risk Summary & Exception approval xx/xx/xxxx


Reviewer Comment (2017-07-17): The Note/SI predates the New Guidelines, we use the guidelines prior to the Note.


Seller Comment (2017-07-17): Guidelines were updated on xx/xx/xxxx - Please review Title/Ownership Interest and clear
       07/17/2017 2 [Redacted] GA Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202077332 [Redacted] [Redacted] 3760445 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing application for xxxxx   Reviewer Comment (2017-07-17): Received
 07/17/2017       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C B
202077332 [Redacted] [Redacted] 4721981 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Desk Review value is less than Appraised value by at least 10%.       Reviewer Comment (2017-11-01): Received Field Review supporting origination value
 11/01/2017       1 [Redacted] GA Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No C B
202077366 [Redacted] [Redacted] 3820946 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202077366 [Redacted] [Redacted] 3820971 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-08-05): rec'd e-consent
 08/05/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202077366 [Redacted] [Redacted] 3850450 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing recent 12 month VOM for $xxx second mortgage secured by departing residence xxxxx   Reviewer Comment (2017-08-10): Loan is RHE, missing VOM reason for program
 08/10/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202077366 [Redacted] [Redacted] 3850518 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing final Closing Disclosure/Statement signed by Borrower or Title company confirming sale of departing residence xxxxx prior to closing, payoff of 1st w/xxxxx and 2nd mortgage and $xxx in net proceeds to Borrower.  

- Missing proof of Borrower's receipt/deposit of net proceeds or funds wired directly to Title company for subject loan transaction.		   Reviewer Comment (2017-08-11): Rec'd evidence of wire to title company.


Seller Comment (2017-08-10): uploaded wire receipt from title showing they received funds of $149,730.95


Reviewer Comment (2017-08-05): Rec'd duplicate of documents already in file.  The closing statements are not executed by the closing agent.  There is no proof of receipt of/deposit of net proceeds.
 08/11/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202077366 [Redacted] [Redacted] 3850578 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Public Record Issue: Credit Report: Original // Public Record Type: xxxxxx Missing final Closing Disclosure/Statement signed by Borrower or Title company confirming sale of departing residence xxxxxx unpaid xxxxxx reported to bureaus and a copy of payoff statement confirming $25,000.00 disbursed to xxxxx satisfies lien in full (p 54)   Reviewer Comment (2017-08-11): Missing confirmation from the IRS that $25K satisfies the $38.8K lien.


Seller Comment (2017-08-10): tax lien paid on page 2 section h of cd
         2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202077366 [Redacted] [Redacted] 3850908 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/0xx/xx/xxxx) The seller's CD reflects $27.965.00 whereas the borrower's CD reflects $28,515.00   Reviewer Comment (2017-08-11): Rec'd LOE and corrected CD.
     08/11/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202077366 [Redacted] [Redacted] 3850999 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___.   Residual income, payment shock. Reviewer Comment (2017-08-11): Rec'd exception for DTI exceeds program guidelines.
       08/11/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202077366 [Redacted] [Redacted] 3851008 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.03240% or Final Disclosure APR of 8.05200% is in excess of allowable threshold of APOR 3.62% + 1.5%, or 5.12000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-08-11): .
 08/11/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202077366 [Redacted] [Redacted] 3851009 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum   Reviewer Comment (2017-08-11): Rec'd exception for DTI.
 08/11/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202077366 [Redacted] [Redacted] 3851010 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2017-08-11): Rec'd exception for DTI.
 08/11/2017       1 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202077366 [Redacted] [Redacted] 3851011 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2017-08-11): Rec'd exception for DTI.
 08/11/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202091516 [Redacted] [Redacted] 3816930 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance


Reviewer Comment (2017-08-03): .
 10/04/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A N/A No C A
202091516 [Redacted] [Redacted] 3817045 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-08-16): Received


Seller Comment (2017-08-16): please review
 08/16/2017       1 [Redacted] FL Investment Refinance - Rate/Term No Defined Cure B A B A B A B A B A N/A N/A No C A
202091650 [Redacted] [Redacted] 3833717 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval form in file, page 3. Debt Ratio exceeds program guidelines. Compensating Factor: Payment Shock. Guideline variance approved by lender at time of origination Reviewer Comment (2017-08-02): Compensating Factor: Payment Shock.
       08/02/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202091650 [Redacted] [Redacted] 3833718 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202091650 [Redacted] [Redacted] 3833726 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-08-03): Received
 08/03/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202091650 [Redacted] [Redacted] 3833732 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx)     Reviewer Comment (2017-08-03): Rec'd LOE, corrected CD and evidence of emailing.
     08/03/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202091650 [Redacted] [Redacted] 3917301 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval form in file, page 3. Reserve requirements not met. Compensating Factor: Payment Shock. Guideline variance approved by lender at time of origination Reviewer Comment (2017-08-02): Compensating Factor: Payment Shock.
       08/02/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202092487 [Redacted] [Redacted] 3832700 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202092487 [Redacted] [Redacted] 3832725 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2017-07-27): Received


Reviewer Comment (2017-07-26): FACTA provided missing Credit Scores
 07/27/2017       1 [Redacted] GA Primary Purchase   B A B A B A B A B A Non QM Non QM No C A
202092487 [Redacted] [Redacted] 3832729 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/0xx/xx/xxxx) $317.03.   Reviewer Comment (2017-07-27): Received LE and Change of Circumstance document


Reviewer Comment (2017-07-26): Need Change of Circumstance for Loan Estimate dated xx/xx/xxxx.
 07/27/2017       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202092487 [Redacted] [Redacted] 3832730 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $3,248.03 exceeds tolerance of $2,931.00.  Insufficient or no cure was provided to the borrower. (7325) The LEs reflect a Loan Origination Fee of $2,931 whereas the CDs reflect $3,248.03.   Reviewer Comment (2017-07-27): Received LE and Change of Circumstance document
 07/27/2017       1 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202164398 [Redacted] [Redacted] 3905699 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Flood insurance coverage amount is insufficient.   Flood insurance coverage shortfall of $142,000.00.   Reviewer Comment (2017-12-01): Flood cert was updated as the result of a subsequent FEMA map revision.  The Flood Zone changed from AO to X and Flood insurance is no longer required.


Reviewer Comment (2017-10-30): Received letter from Servicer that property is no longer in Flood Hazard area. Please provide new Flood Cert or official FEMA letter regarding this.


Reviewer Comment (2017-10-06): Exception approval for insurance coverage shortfall is not sufficient.


Reviewer Comment (2017-10-03): Need documentation from insurance company that flood insurance coverage provided is sufficient.
 12/01/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202164398 [Redacted] [Redacted] 3905701 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202164398 [Redacted] [Redacted] 3905720 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Alternate Table Usage TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. Page 3 of Initial Closing Disclosure used an Alternate table.   Reviewer Comment (2017-10-03): Data was corrected on subsequent disclosures (SFIG)


Seller Comment (2017-10-02): cured on final cd
 10/03/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other Good Faith Redisclosure B A B A B A B A B A Non QM Non QM Yes C A
202164398 [Redacted] [Redacted] 3905729 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,699.80 exceeds tolerance of $1,694.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) No cure in file.         08/01/2017   1 [Redacted] FL Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202164398 [Redacted] [Redacted] 3930213 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not provided.   Reviewer Comment (2017-08-09): rec'd e-consent
 08/09/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202164539 [Redacted] [Redacted] 3928801 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 47.57% > 45% Portfolio Select 24 Months Personal Bank Statements 5/1 ARM program (xx/xx/xxxx matrix / xx/xx/xxxx Note date).  Lender's DTI 47.57% > 45%.  Lender's Credit Risk Summary & Exception Report in file.  Compensating factors: 1) Credit History. 2) LTV. 3) Reserves. 14 > 6 months, $37,371.05 available for reserves Reviewer Comment (2017-08-11): Compensating factors: 1) Credit History. 2) LTV. 3) Reserves.


Reviewer Comment (2017-08-11): revised waiver recd


Reviewer Comment (2017-08-08): No Compensating Factors provided
       08/11/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202164539 [Redacted] [Redacted] 3928803 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202164539 [Redacted] [Redacted] 3929095 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.39670% or Final Disclosure APR of 6.45000% is in excess of allowable threshold of APOR 3.67% + 1.5%, or 5.17000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-08-11): See revised
 08/11/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202164539 [Redacted] [Redacted] 3929096 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum   Reviewer Comment (2017-08-11): Received approval with compensating factors listed
 08/11/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202164539 [Redacted] [Redacted] 3929097 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2017-08-11): Received approval with compensating factors listed
 08/11/2017       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202164539 [Redacted] [Redacted] 3929098 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2017-08-11): Received approval with compensating factors listed
 08/11/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202164539 [Redacted] [Redacted] 3929101 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-08-11): Received
 08/11/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202164539 [Redacted] [Redacted] 3940975 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $39,704.62 < $40,146.12   Reviewer Comment (2017-08-11): Rec'd LOE, corrected CD and evidence of emailing.
     08/11/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202229631 [Redacted] [Redacted] 3948235 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] CT Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202229631 [Redacted] [Redacted] 3949073 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) Connecticut Non-Prime Home Loan: APR on subject loan of 8.16780% is in excess of allowable threshold of APOR 3.66% + 1.5%, or 5.16000%.  Compliant Loan.               2 [Redacted] CT Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202229631 [Redacted] [Redacted] 3949075 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-08-15): rec'd e-consent
 08/15/2017       1 [Redacted] CT Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202229631 [Redacted] [Redacted] 3949077 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table. (Final/xx/xx/xxxx) Seller $250 credit does not show in Calculating Cash to Close section on page 3 of Closing Disclosure.   Reviewer Comment (2017-08-15): Rec'd LOE and corrected CD.
     08/15/2017   2 [Redacted] CT Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202255181 [Redacted] [Redacted] 3998477 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202255181 [Redacted] [Redacted] 4027143 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. Non-QM due to Qualified Mortgage DTI 44.02% > 43%   Reviewer Comment (2017-09-07): Received Data Tape Change from HPQM to Non-QM
 09/07/2017       1 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C A
202255181 [Redacted] [Redacted] 4027144 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Qualified Mortgage DTI 44.02% > 43%   Reviewer Comment (2017-09-07): Received Data Tape Change from HPQM to Non-QM
 09/07/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202263277 [Redacted] [Redacted] 4051971 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] IL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202263277 [Redacted] [Redacted] 4072111 [Redacted] [Redacted] Credit Missing Document General Missing Document One or more of your documents was not signed and dated by the borrower(s).   Prepayment Note Addendum was not provided in the loan file.   Reviewer Comment (2017-11-16): Rec'd prepayment addendum to the note.
 11/16/2017       1 [Redacted] IL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202263280 [Redacted] [Redacted] 4052499 [Redacted] [Redacted] Credit Credit Credit Documentation Credit There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan.   The property was remodeled after purchase in xxxxx
Property is vacant which is not allowed by guidelines.		 44 mos reserves > 6 required Reviewer Comment (2017-08-30): Received Credit Risk Summary & Exception Approval. Property is vacant; recently rehabbed. Compensating Factors: 1) Credit Score. 2) Reserves.


Reviewer Comment (2017-08-28): Received Notice of Cert of Business Purpose, however this does not take place of the Lease agreement.
       08/30/2017 2 [Redacted] GA Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202263280 [Redacted] [Redacted] 4080567 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Loan amounts less than $75,000 are not permitted according to the guidelines   Loan amount of $xxx is below guideline minimum. 44 mos reserves > 6 required Reviewer Comment (2017-08-28): Received Credit Risk summary & Exception approval xx/xx/xxxx
       08/28/2017 2 [Redacted] GA Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202263280 [Redacted] [Redacted] 4080679 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202263282 [Redacted] [Redacted] 4055849 [Redacted] [Redacted] Credit Credit Credit Documentation Credit There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan.   Property  is vacant per appraisal and not allowed per guidelines. Property has been updated since purchase on xx/xx/xxxx. Guideline variance approved by lender at time of origination Reviewer Comment (2017-08-30): Received Credit Risk Summary & Exception Approval. Property is vacant; recently rehabbed. Compensating Factor: 1) Reserves.


Reviewer Comment (2017-08-28): Received Cert of Business, however this is not acceptable in lieu of Lease.  Lease required per guidelines.


Buyer Comment (2017-08-26): loan recently rehabbed
       08/30/2017 2 [Redacted] GA Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202263284 [Redacted] [Redacted] 4058298 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___.   Mortgage payment history of 0x30x48

Borrower has job stability for 5 years as Self-employed.		 Reviewer Comment (2017-08-21): Lender Exception approval provided.
       08/21/2017 2 [Redacted] UT Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202263284 [Redacted] [Redacted] 4058368 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in loan file.   Reviewer Comment (2017-08-29): rec'd e-consent
 08/29/2017       1 [Redacted] UT Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202263300 [Redacted] [Redacted] 4071914 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202263300 [Redacted] [Redacted] 4072214 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.   Reviewer Comment (2017-08-23): Received
 08/23/2017       1 [Redacted] MI Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202263300 [Redacted] [Redacted] 4087771 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx VVOE within 10 days of closing was not provided.   Reviewer Comment (2017-08-23): Received, employment dates updated
 08/23/2017       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202263327 [Redacted] [Redacted] 4112331 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] VA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202263327 [Redacted] [Redacted] 4112410 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. Xxxx Missing Letter of Explantion regarding gap in employment from xxxxx   Reviewer Comment (2017-09-07): Received Data Tape Change from HPQM to Non-QM


Reviewer Comment (2017-09-06): Nothing rec'd
 09/07/2017       1 [Redacted] VA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202263327 [Redacted] [Redacted] 4112413 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2017-09-05): rec'd disclosure
 09/05/2017       1 [Redacted] VA Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202263327 [Redacted] [Redacted] 4112416 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM.     Reviewer Comment (2017-09-07): Received Data Tape Change from HPQM to Non-QM
 09/07/2017       1 [Redacted] VA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202263327 [Redacted] [Redacted] 4112417 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.     Reviewer Comment (2017-09-07): Received


Reviewer Comment (2017-09-06): Rec'd the list of organizations but missing the Disclosure.
 09/07/2017       1 [Redacted] VA Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202263327 [Redacted] [Redacted] 4112418 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/0xx/xx/xxxx) CD data field is blank.  Note:  Taxes were paid by Seller.   Reviewer Comment (2017-09-07): Rec'd LOE, corrected CD and evidence of emailing.
     09/07/2017   2 [Redacted] VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202263327 [Redacted] [Redacted] 4112419 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/0xx/xx/xxxx) CD data field is blank, calculates to be $330.   Reviewer Comment (2017-09-07): N/A Seller paid fees
 09/07/2017       1 [Redacted] VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202263327 [Redacted] [Redacted] 4112420 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.     Reviewer Comment (2017-09-06): rec'd Toolkit
 09/06/2017       1 [Redacted] VA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202263327 [Redacted] [Redacted] 4112421 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/0xx/xx/xxxx) Evidence of earlier receipt not found in file.   Reviewer Comment (2017-09-07): Received Tracking Tool
 09/07/2017       1 [Redacted] VA Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202263327 [Redacted] [Redacted] 4112422 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.     Reviewer Comment (2017-09-06): rec'd SSPL
 09/06/2017       1 [Redacted] VA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202263327 [Redacted] [Redacted] 4112423 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $462.00 exceeds tolerance of $120.00 plus 10% or $132.00.  Insufficient or no cure was provided to the borrower. (0) $330 tolerance violation due to increase in recording fees.  Although $363 of these fees were Seller paid, they are still included in tolerance testing.   Reviewer Comment (2017-09-06): Seller paid recording fees.


Buyer Comment (2017-09-01): Please do not include fees paid by the seller in tolerance testing
 09/06/2017       1 [Redacted] VA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202263327 [Redacted] [Redacted] 4112424 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.     Reviewer Comment (2017-09-06): rec'd ARM disclosure
 09/06/2017       1 [Redacted] VA Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202263327 [Redacted] [Redacted] 4112425 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.     Reviewer Comment (2017-09-06): rec'd evidence of CHARM booklet
 09/06/2017       1 [Redacted] VA Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202263327 [Redacted] [Redacted] 4124224 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Fee Acronyms or Abbreviations TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on 0xx/xx/xxxx used abbreviated fees or fees listed as an acronym that are not reasonably understood by the consumer. (Final/0xx/xx/xxxx) CPL fee reflected in section C, should be Closing Protection Letter.   Reviewer Comment (2017-09-07): Rec'd LOE, corrected CD and evidence of emailing.
     09/07/2017   2 [Redacted] VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202263327 [Redacted] [Redacted] 4124647 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-09-06): rec'd e-consent
 09/06/2017       1 [Redacted] VA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202263327 [Redacted] [Redacted] 4124861 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/0xx/xx/xxxx) Reprt date xx/xx/xxxx.  Provided date xx/xx/xxxx.  Effective date xx/xx/xxxx.             2 [Redacted] VA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202263327 [Redacted] [Redacted] 4124862 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Secondary/0xx/xx/xxxx) Report date xx/xx/xxxx.  Provided date xx/xx/xxxx.             2 [Redacted] VA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202263346 [Redacted] [Redacted] 4116378 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] MN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202263346 [Redacted] [Redacted] 4122349 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 47.23% > 45% Portfolio Select 24 Months Business Bank Statements (xx/xx/xxxx matrix / xx/xx/xxxx Note date).  Lender's DTI 47.23% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Residual income and Stable employment history Guideline variance approved by lender at time of origination Reviewer Comment (2017-08-30): Credit Risk Summary & exception approval p8
       08/30/2017 2 [Redacted] MN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202263346 [Redacted] [Redacted] 4122406 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 6.90850% or Final Disclosure APR of 6.91000% is in excess of allowable threshold of USTreasury 3.0000% + 3%, or 6.00000%.  Compliant Subprime Loan.               2 [Redacted] MN Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202263346 [Redacted] [Redacted] 4189784 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-09-05): rec'd e-consent
 09/05/2017       1 [Redacted] MN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202263358 [Redacted] [Redacted] 4142055 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing xxxx 1120S andxxxx K-1.   Reviewer Comment (2017-08-30): Fiscal year xx/xx/xxxx business returns not due
 08/30/2017       1 [Redacted] CA Investment Purchase   C A C A C A C A C A N/A N/A No C A
202325625 [Redacted] [Redacted] 4235603 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final 1003   Final 1003 is incomplete.  Xxxxxxxxxxxxxxxxxx   Reviewer Comment (2017-10-11): Rec'd signed 1003.


Reviewer Comment (2017-10-06): received unsigned corrected 1003


Buyer Comment (2017-10-04): a 2 week employment gap dies not need to be documented


Reviewer Comment (2017-10-03): 1003 provided shows employment gap xx/xx/xxxx - xx/xx/xxxx no explanation


Reviewer Comment (2017-09-19): 1003 provided does not show 2 year employment history.
 10/11/2017       1 [Redacted] OH Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202325625 [Redacted] [Redacted] 4236499 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Employment Error: Employment job title not provided. xxxxxxxx xxxxxxxxxxxx   Reviewer Comment (2017-11-29): Received Internet Search dated xx/xx/xxxx, Received P&L and Attestation Letter from U/W


Buyer Comment (2017-10-10): schedule C doesnt exist anymore- what would you like for this exception...


Reviewer Comment (2017-09-19): Nothing received to clear this exception. Xxxxx
 11/29/2017       1 [Redacted] OH Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202325625 [Redacted] [Redacted] 4237871 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing Verbal Verification of Employment (VVOE) with xxxxxx completed within 10 days of xxxx closing - Missing xxxxxx YTD P&L for Schedule C income, - Missing verification xxxxxx (third party verification) and xxxxxx (Schedule C) are one and the same   Reviewer Comment (2017-11-29): Received Internet Search dated xx/xx/xxxx, Received P&L and Attestation Letter from U/W


Reviewer Comment (2017-10-03): Received Unsigned LOX Regarding name of Businesses, still missing VVOE and P&L and all docs listed previous.


Reviewer Comment (2017-09-19): Nothing received to clear this exception. Xxxxx
 11/29/2017       1 [Redacted] OH Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202325625 [Redacted] [Redacted] 4238075 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-09-19): Received
 09/19/2017       1 [Redacted] OH Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202325625 [Redacted] [Redacted] 4238281 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 47.94% > 45% Non-Prime program.  Lender's 46.37% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  LTV and Residual Income Guideline variance approved by lender at time of origination Reviewer Comment (2017-09-08): Credit Risk Summary & Exception approval form p9
       09/08/2017 2 [Redacted] OH Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202325625 [Redacted] [Redacted] 4299886 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $625.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Cure of $125.00 provided at closing.         09/12/2017   1 [Redacted] OH Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202325644 [Redacted] [Redacted] 4233057 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202325649 [Redacted] [Redacted] 4237665 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Credit Risk Summary & Exception Approval form in file, page 6. Payment Shock Exceeds maximum allowed by program. Compensating Factors: none. Guideline variance approved by lender at time of origination. Reviewer Comment (2017-09-08): Received exception approval for payment shock, based on Credit History, DTI, Reserves, Residual income


Reviewer Comment (2017-09-08): should be waived with comp factor


Reviewer Comment (2017-09-07): Compensating Factors: none.
       09/08/2017 2 [Redacted] MD Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202325649 [Redacted] [Redacted] 4237741 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML Maryland HPML Threshold Test Maryland Higher-Priced Mortgage Loan: APR on subject loan of 6.81150% or Final Disclosure APR of 6.85700% is in excess of allowable threshold of APOR 3.75% + 2.5%, or 6.25000%.  Non-Compliant Higher Priced Loan.               2 [Redacted] MD Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202325649 [Redacted] [Redacted] 4237742 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level Maryland Ability to Repay Not Verified Maryland SB270: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable.     Reviewer Comment (2017-09-11): Nothing provided showing borrower's ability to repay was tested
         2 [Redacted] MD Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202325649 [Redacted] [Redacted] 4237743 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-09-07): Received
 09/07/2017       1 [Redacted] MD Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202325649 [Redacted] [Redacted] 4237744 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $713,282.61 < $731,669.76   Reviewer Comment (2017-09-13): Rec'd LOE and corrected CD.


Reviewer Comment (2017-09-08): Rec'd corrected CD, missing LOE to the borrower.
     09/13/2017   2 [Redacted] MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202325653 [Redacted] [Redacted] 4241623 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202325653 [Redacted] [Redacted] 4241817 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. Initial disclosure not found in loan file.   Reviewer Comment (2017-09-22): Rec'd FACTA
 09/22/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C A
202325653 [Redacted] [Redacted] 4241821 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $4,973.34 exceeds tolerance of $4,514.00.  Sufficient or excess cure was provided to the borrower at Closing. (73109) Final Closing Disclosure reflects $2,809.10 Lender cure.         09/05/2017   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202325653 [Redacted] [Redacted] 4241822 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $4,725.21 exceeds tolerance of $4,464.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Final Closing Disclosure reflects $2,809.10 Lender cure.         09/05/2017   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202325653 [Redacted] [Redacted] 4300278 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement not found in loan file.   Reviewer Comment (2017-09-22): Rec'd e-consent
 09/22/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202325653 [Redacted] [Redacted] 4440275 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2017-09-29): Received ClearCapital Interior PCI dated xx/xx/xxxx
 09/29/2017       1 [Redacted] FL Primary Purchase     A   A   A   A   A Non QM Non QM No C A
202340298 [Redacted] [Redacted] 4296210 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-23): Received CDA
 10/23/2017       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C C
202340298 [Redacted] [Redacted] 4296228 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)               2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B B B B B B B B B B Non QM Non QM No C C
202340298 [Redacted] [Redacted] 4296233 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/xx/xx/xxxx)               2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C C
202340298 [Redacted] [Redacted] 4296235 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/xx/xx/xxxx)     Reviewer Comment (2017-09-25): Updated input
 09/25/2017       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C C
202340298 [Redacted] [Redacted] 4296236 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. The ARM disclosure is not dated.  Used borrower's acknowledgement date of xx/xx/xxxx.   Reviewer Comment (2017-09-25): Received tracking tool
 09/25/2017       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C A C A C A C A C A Non QM Non QM No C C
202340298 [Redacted] [Redacted] 4296380 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-09-25): Received
 09/25/2017       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C C
202340298 [Redacted] [Redacted] 4625475 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Value variance greater than 10% between origination appraisal and subsequent product   CDA value of $167,000 is greater than 10% from appraised value             3 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation     C   C   C   C   C Non QM Non QM No C C
202340301 [Redacted] [Redacted] 4297295 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-23): Received CDA
 10/23/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202340301 [Redacted] [Redacted] 4297697 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-09-26): xx/xx/xxxx - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 09/26/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202340301 [Redacted] [Redacted] 4320778 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   Hurricane Irma   Reviewer Comment (2017-09-26): Received post disaster inspection report. Report notes there was no damage to the subject property. Exception cleared.
 09/26/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C A
202340301 [Redacted] [Redacted] 4625468 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Value variance greater than 10% between origination appraisal and subsequent product   CDA value of $160,000 is greater than 10% from appraised value   Reviewer Comment (2017-11-01): Received Field Review supporting value of $226,000
 11/01/2017       1 [Redacted] FL Primary Purchase     A   A   A   A   A Non QM Non QM No C A
202340353 [Redacted] [Redacted] 4305300 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 6. Debt Ratio exceeds program guidelines. Compensating Factors: Credit score, Reserves and Residual income. 108 months reserves > 6 months guideline minimum - borrowers have verified reserves of $329,052.42

Borrower on this Full documentation loan has a disposable income of $6,606.12		 Reviewer Comment (2017-09-22): Compensating Factors: Credit score, Reserves and Residual income.
       09/22/2017 2 [Redacted] FL Second Home Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202340353 [Redacted] [Redacted] 4305419 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.               2 [Redacted] FL Second Home Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202340353 [Redacted] [Redacted] 4305420 [Redacted] [Redacted] Compliance Compliance Federal Compliance Missing Required Data Disparity in Occupancy The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence.  (Compliance testing performed based on the Occupancy Type of Second Home) Initial 1003 indicated that the subject is the Borrowers Primary Residence and box checked off "Do you intend to occupy the property as your primary residence?".   Reviewer Comment (2017-11-30): Application in file is correct, borrower will not be occupying as primary, her husband will and she will be there 65% this was underwriting doing a worst case scenario for pricing.


Reviewer Comment (2017-10-05): Need signed corrected Final 1003.
 11/30/2017       1 [Redacted] FL Second Home Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202340353 [Redacted] [Redacted] 4305423 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) xxxxxx   Reviewer Comment (2017-10-05): Rec'd LOE, corrected CD and evidence of emailing.
     10/05/2017   2 [Redacted] FL Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202340353 [Redacted] [Redacted] 4337854 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2017-10-02): Received ClearCapital Post Disaster Inspection dated xx/xx/xxxx.
 10/02/2017       1 [Redacted] FL Second Home Refinance - Cash-out - Other   B A B A B A B A B A Non QM Non QM No C B
202340353 [Redacted] [Redacted] 4358064 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Flood insurance coverage amount is insufficient.   Flood coverage is $249,000, minimum $250,000 required.   Reviewer Comment (2017-10-04): Per Calculation Tool $249,000 required to rebuild
 10/04/2017       1 [Redacted] FL Second Home Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202340353 [Redacted] [Redacted] 4358075 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard coverage $xxx + $xxx increase = $xxx, which is $51,200 less than loan amount.   Reviewer Comment (2017-10-04): Per Calculation Tool $249,000 required to rebuild
 10/04/2017       1 [Redacted] FL Second Home Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202340353 [Redacted] [Redacted] 4721926 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2017-11-01): Received Field review supporting Origination value
 11/01/2017       1 [Redacted] FL Second Home Refinance - Cash-out - Other     A   A   A   A   A Non QM Non QM No C B
202340378 [Redacted] [Redacted] 4310585 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided       Reviewer Comment (2017-09-29): Received
 09/29/2017       1 [Redacted] NC Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202340378 [Redacted] [Redacted] 4310609 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML North Carolina Rate Spread Threshold Test North Carolina Rate Spread Home Loan: APR on subject loan of 6.14680% or Final Disclosure APR of 6.15400% is in excess of allowable threshold of APOR 3.73% + 1.5%, or 5.23000%.  Compliant Rate Spread Home Loan.               2 [Redacted] NC Primary Refinance - Rate/Term   B B B B B B B B B B Non QM Non QM No C B
202340378 [Redacted] [Redacted] 4310611 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/0xx/xx/xxxx) Number of months is missing in Section F line 5.   Reviewer Comment (2017-09-29): Rec'd LOE, corrected CD and evidence of emailing.
     09/29/2017   2 [Redacted] NC Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202340378 [Redacted] [Redacted] 4310612 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $116.00 exceeds tolerance of $64.00 plus 10% or $70.40.  Sufficient or excess cure was provided to the borrower at Closing. (0)           09/13/2017   1 [Redacted] NC Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202340378 [Redacted] [Redacted] 4310613 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $1,741.25 exceeds tolerance of $1,725.00.  Sufficient or excess cure was provided to the borrower at Closing. (7325)           09/13/2017   1 [Redacted] NC Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202340378 [Redacted] [Redacted] 4386874 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-11-07): Received Field review within 10% tolerance


Reviewer Comment (2017-10-23): CDA is indeterminate
 11/07/2017       1 [Redacted] NC Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202340378 [Redacted] [Redacted] 4407001 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/0xx/xx/xxxx) Report dated 0xx/xx/xxxx. Receipt dated 0xx/xx/xxxx.             2 [Redacted] NC Primary Refinance - Rate/Term   B B B B B B B B B B Non QM Non QM No C B
202352176 [Redacted] [Redacted] 4339522 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-09-29): Received Flood Cert
 09/29/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Safe Harbor QM No C B
202352176 [Redacted] [Redacted] 4339548 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Approval not provided       Reviewer Comment (2017-09-29): Received appproval
 09/29/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Safe Harbor QM No C B
202352176 [Redacted] [Redacted] 4339564 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Safe Harbor QM No C B
202352176 [Redacted] [Redacted] 4339589 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/275306) Missing evidence of mandatory escrows for taxes and insurance. Projected Payments and Loan Disclosure (Escrow Account) section of final Closing Disclosure and Lender's Payment Letter discloses monthly payment amount for hazard insurance.     Section G (Initial Escrow Payments at Closing) of final Closing Disclosure is blank.   Reviewer Comment (2017-10-05): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-10-02): Received corrected PCCD dated xx/xx/xxxx, but document has the wrong Closing date (should be xx/xx/xxxx, not xx/xx/xxxx).
     10/05/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Safe Harbor QM Yes C B
202352176 [Redacted] [Redacted] 4339590 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/275306) Missing evidence of mandatory escrows for taxes and insurance. Projected Payments and Loan Disclosure (Escrow Account) section of final Closing Disclosure and Lender's Payment Letter discloses monthly payment amount for hazard insurance.  Section G (Initial Escrow Payments at Closing) of final Closing Disclosure is blank.   Reviewer Comment (2017-10-05): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-10-02): Received corrected PCCD dated xx/xx/xxxx, but document has the wrong Closing date (should be xx/xx/xxxx, not xx/xx/xxxx).
     10/05/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Safe Harbor QM Yes C B
202352176 [Redacted] [Redacted] 4339591 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Homeowners Insurance Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/xx/xx/xxxx) Missing evidence of mandatory escrows for taxes and insurance. Projected Payments and Loan Disclosure (Escrow Account) section of final Closing Disclosure and Lender's Payment Letter discloses monthly payment amount for hazard insurance. Section G (Initial Escrow Payments at Closing) of final Closing Disclosure is blank.   Reviewer Comment (2017-10-05): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-10-02): Received corrected PCCD dated xx/xx/xxxx, but document has the wrong Closing date (should be xx/xx/xxxx, not xx/xx/xxxx).
     10/05/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Safe Harbor QM Yes C B
202352176 [Redacted] [Redacted] 4339592 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) The CD is unclear regarding escrows.   Reviewer Comment (2017-10-05): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-10-02): Received corrected PCCD dated xx/xx/xxxx, but document has the wrong Closing date (should be xx/xx/xxxx, not xx/xx/xxxx).
     10/05/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Safe Harbor QM Yes C B
202352176 [Redacted] [Redacted] 4339593 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) The CD is unclear regarding escrows.   Reviewer Comment (2017-10-05): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-10-02): Received corrected PCCD dated xx/xx/xxxx, but document has the wrong Closing date (should be xx/xx/xxxx, not xx/xx/xxxx).
     10/05/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Safe Harbor QM Yes C B
202352176 [Redacted] [Redacted] 4339594 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) The seller's CD reflects $5,740.95 whereas the borrower's CD reflects $6,343.   Reviewer Comment (2017-10-05): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-10-02): Received corrected PCCD dated xx/xx/xxxx, but document has the wrong Closing date (should be xx/xx/xxxx, not xx/xx/xxxx).
     10/05/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Safe Harbor QM Yes C B
202352176 [Redacted] [Redacted] 4396767 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing signed final closing statement confirming sale of departing residence, xxxxxx   Reviewer Comment (2017-10-06): Received CD from Escrow showing wire transfer to xxxxxx


Reviewer Comment (2017-10-05): Received CD for sale of xxxxx, but it still doesn't match proceeds check. $260,160.32 > $259,876.60


Reviewer Comment (2017-10-03): Received CD, however does not match the check from closing.


Buyer Comment (2017-10-03): please see last page for payoffs


Reviewer Comment (2017-10-02): Received copy of proceeds check with File # that matches preliminary settlement statement. Need a copy of Final Settlement statement netting $259,878.60.
 10/06/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Safe Harbor QM No C B
202352176 [Redacted] [Redacted] 4397180 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $90,438.39 < $297,241.21   Reviewer Comment (2017-10-02): Received copy of proceeds check netting $259,878.60 from sale of home.
 10/02/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Safe Harbor QM No C B
202352176 [Redacted] [Redacted] 4397245 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. DU in file (p 12) - Approve/Ineligible due to $xxx loan amount exceeds the maximum allowable loan limit of $xxx for xxx (CA)   Reviewer Comment (2017-10-06): Received Amended Data tape changing from HPQM to Non-QM
 10/06/2017       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Safe Harbor QM Yes C B
202352176 [Redacted] [Redacted] 4422373 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Title fees in Section C should be in Section B.  The borrowers were given the opportunity to shop but used a provider from the SSPL.   Reviewer Comment (2017-10-05): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-10-02): Received corrected PCCD dated xx/xx/xxxx, but document has the wrong Closing date (should be xx/xx/xxxx, not xx/xx/xxxx).
     10/05/2017   2 [Redacted] CA Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Safe Harbor QM Yes C B
202352176 [Redacted] [Redacted] 4422562 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Fee Terminology TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on xx/xx/xxxx did not use the same fee terminology as the Loan Estimate. (Final/xx/xx/xxxx) The LE reflects Title - Wire fee/Loan Tie In for $345 whereas the final CD reflects Title - New Loan Service Fee for $345.   Reviewer Comment (2017-10-05): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-10-02): Received corrected PCCD dated xx/xx/xxxx, but document has the wrong Closing date (should be xx/xx/xxxx, not xx/xx/xxxx).
     10/05/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Safe Harbor QM Yes C B
202352176 [Redacted] [Redacted] 5862852 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated tape date with designation of QM Safe Harbor             2 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Non QM Safe Harbor QM Yes C B
202389244 [Redacted] [Redacted] 4409212 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Secondary Valuation to be ordered upon securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] LA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202389244 [Redacted] [Redacted] 4409281 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-10-05): Received dated xx/xx/xxxx
 10/05/2017       1 [Redacted] LA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202389976 [Redacted] [Redacted] 4418360 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] OR Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202389976 [Redacted] [Redacted] 4418658 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-10-05): Received dated xx/xx/xxxx
 10/05/2017       1 [Redacted] OR Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202389976 [Redacted] [Redacted] 4418660 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/0xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $89,873.56 while closing CD seller's fees total $1,463.00.   Reviewer Comment (2017-10-05): Rec'd LOE, corrected CD and evidence of emailing.
     10/05/2017   2 [Redacted] OR Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202389978 [Redacted] [Redacted] 4416445 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   Hurricane Irma   Reviewer Comment (2017-10-05): Received Interior PCI - Property Condition Inspection - No Hurricane Damages
 10/05/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C A
202389978 [Redacted] [Redacted] 4416462 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202389978 [Redacted] [Redacted] 4417482 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement not found in the file.   Reviewer Comment (2017-10-05): Received dated xx/xx/xxxx
 10/05/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202389979 [Redacted] [Redacted] 4413291 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Home Improvement   C A C A C A C A C A N/A   No C A
202389982 [Redacted] [Redacted] 4425174 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   Hurricane Irma   Reviewer Comment (2017-10-18): Received ClearCapital Interior PCI dated xx/xx/xxxx
 10/18/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202389982 [Redacted] [Redacted] 4425186 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202389982 [Redacted] [Redacted] 4425281 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2017-10-18): Received Credit Score Disclosure dated xx/xx/xxxx
 10/18/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202389982 [Redacted] [Redacted] 4425283 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in the file.   Reviewer Comment (2017-10-18): Received
 10/18/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202389982 [Redacted] [Redacted] 4581898 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. New exception upon receipt of Credit Score Disclosure dated xx/xx/xxxx             2 [Redacted] FL Primary Purchase     B   B   B   B   B Non QM Non QM No C B
202389986 [Redacted] [Redacted] 4423382 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received
 03/01/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202389986 [Redacted] [Redacted] 4423456 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Aged document: Primary Valuation is older than guidelines permit Valuation Type: Appraisal / Valuation Report Date: xxxxx Appraisal good for 120 days, good through xxxxx   Reviewer Comment (2017-10-31): Within 120 days of closing


Buyer Comment (2017-10-27): Note date is xx/xx/xxxx which is within 120 Days of closing
 10/31/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202389986 [Redacted] [Redacted] 4423525 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/0xx/xx/xxxx) Mortgage Broker NMLS ID was not disclosed on the Final CD.   Reviewer Comment (2017-10-30): Rec'd LOE, corrected CD and evidence of emailing.
     10/30/2017   2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202389986 [Redacted] [Redacted] 4423526 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 0xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/0xx/xx/xxxx) Prepaid amount disclosed for HOI is $289.00 for 5 months.  Calculated amount for 5 months HOI @ $57.33/mo. is $286.65.             2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202389986 [Redacted] [Redacted] 4454730 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy.   DTI exceeds max of 45%; Lender exception approval not provided.  Income documented is lower than amount used by lender.  Lender used 100% of income and guidelines require use of 35% minimum expense factor.   Reviewer Comment (2017-10-30): Received exception to use 20% expense ratio (80% of Bank Statement income). DTI now 42.45296%
 10/30/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202389986 [Redacted] [Redacted] 4454736 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Housing ratio exceeds max of 40%; Lender exception approval not provided.  Income documented is lower than amount used by lender.  Lender used 100% of income and guidelines require use of 35% minimum expense factor. 46.7759% LTV < 60% guideline max Reviewer Comment (2017-10-31): Received exception approval


Reviewer Comment (2017-10-30): Received exception to use 20% expense ratio (80% of Bank Statement income). Housing Ratio now 42.06%
       10/31/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202389986 [Redacted] [Redacted] 4454746 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Business Expense statement required by guidelines was not provided; guidelines require a minimum of 35% for expense factor. 46.7759% LTV < 60% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $5,295.45		 Reviewer Comment (2017-10-30): Received Credit Risk Summary & Exception Approval. Alternative income calculation used: Ok to deduct income by 20% for expenses. Guidelines require 35%. Compensating Factors: 1) Housing payment decreasing. 2) LTV. 3) Payment Shock. 4) Residual Income.
       10/30/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202389986 [Redacted] [Redacted] 4454972 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.97630% or Final Disclosure APR of 6.01900% is in excess of allowable threshold of APOR 3.75% + 1.5%, or 5.25000%.  Non-Compliant Higher Priced Mortgage Loan. DTI exceeds max of 45%   Reviewer Comment (2017-10-30): Received exception to use alternative income calculation.
 10/30/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202389986 [Redacted] [Redacted] 4454973 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI exceeds max of 45%   Reviewer Comment (2017-10-30): Received exception to use alternative income calculation.
 10/30/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202389986 [Redacted] [Redacted] 4454974 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI exceeds max of 45%   Reviewer Comment (2017-10-30): Received exception to use alternative income calculation.
 10/30/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202389986 [Redacted] [Redacted] 4454975 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI exceeds max of 45%   Reviewer Comment (2017-10-30): Received exception to use alternative income calculation.
 10/30/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202389986 [Redacted] [Redacted] 4454976 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.   Reviewer Comment (2017-10-30): Received
 10/30/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202389986 [Redacted] [Redacted] 5747173 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Desk Review value is less than Appraised value by at least 10%.   Per CDA   Reviewer Comment (2018-03-05): Received Field Review supporting Origination Value
 03/05/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other     A   A   A   A   A Non QM Non QM No C B
202406609 [Redacted] [Redacted] 4481495 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C B
202406609 [Redacted] [Redacted] 4524865 [Redacted] [Redacted] Credit Credit Credit Documentation Credit There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan.   Property is currently vacant; lender exception approval provided due to property being recently inherited. 63.25581% LTV < 75% guideline max

757 representative FICO score > 660 guideline minimum - 97 points above guideline minimum		 Reviewer Comment (2017-10-10): Lender exception approval provided.
       10/10/2017 2 [Redacted] FL Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202406615 [Redacted] [Redacted] 4485665 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. LTV exceeds max of 80%, but meets lender exception policy based on  compensating factors of DTI, credit history, reserves, residual income, and stable employment history. Borrower on this Full documentation loan has a disposable income of $7,002.98

37.3% DTI on this Full documentation loan < 45% guideline max - 7.7% below program guideline maximum

6 months reserves > 3 months guideline minimum - borrowers have verified reserves of $15,023.91.		 Reviewer Comment (2017-10-13): Lender exception approval was provided.
       10/13/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Higher Priced QM Higher Priced QM No C B
202406615 [Redacted] [Redacted] 4485897 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $30,339.00 while closing CD seller's fees total $22,839.00   Reviewer Comment (2017-10-16): Rec'd LOE, corrected CD and evidence of emailing.
     10/16/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Higher Priced QM Higher Priced QM Yes C B
202406615 [Redacted] [Redacted] 4485901 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Flood Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Flood Insurance Premium under Prepaids. (Final/xx/xx/xxxx) Annual premium paid. Number of months was left blank.   Reviewer Comment (2017-10-16): Rec'd LOE, corrected CD and evidence of emailing.
     10/16/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Higher Priced QM Yes C B
202406615 [Redacted] [Redacted] 4558347 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided   Fraud report was not provided.   Reviewer Comment (2017-10-16): Received
 10/16/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Higher Priced QM Higher Priced QM No C B
202406616 [Redacted] [Redacted] 4490718 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] WA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202406616 [Redacted] [Redacted] 4490795 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-10-16): Received
 10/16/2017       1 [Redacted] WA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202406618 [Redacted] [Redacted] 4485983 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-11-07): Received
 11/07/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202406618 [Redacted] [Redacted] 4487923 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Lien(s) negatively impacting title   Federal Tax Lien with no payoff or proof of satisfaction provided.   Reviewer Comment (2017-11-07): Received Final Title Policy
 11/07/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202406618 [Redacted] [Redacted] 4488483 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-11-07): Received
 11/07/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C A
202406618 [Redacted] [Redacted] 4488484 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) and/or (TX50(t))  No Title in the loan file or Title indicates other lien(s) exist Texas Constitution Section 50(a)(6) and/or 50(t): Title indicates there are other lien(s) that are not included in CLTV calculation. Unable to conclusively determine compliance with 80% CLTV limitation. xxxxx on title not paid off   Reviewer Comment (2017-11-14): Received final title
 11/14/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other Confirm whether additional lien exists on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. If the other lien is a 50(a)(6), notify the consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead.  If the other lien is not a 50(a)(6), confirm the total CLTV does not exceed 80%, If the CLTV exceeds 80%, send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B A B A B A B A B A Non QM Non QM No C A
202406619 [Redacted] [Redacted] 4488315 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2017-10-19): Received Appraisal Update and/or Completion Report - indicates no damage from Hurrican Irma. Dated xx/xx/xxxx.
 10/19/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C A
202406619 [Redacted] [Redacted] 4488320 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202406619 [Redacted] [Redacted] 4488358 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-10-19): Received
 10/19/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202406619 [Redacted] [Redacted] 4488360 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/0xx/xx/xxxx)     Reviewer Comment (2017-10-19): Received
 10/19/2017       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202406619 [Redacted] [Redacted] 4553842 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Guideline Issue:  Foreclosure timeline outside of credit guidelines   Previous foreclosure 1.93 yrs prior to Close vs 2 yrs minimum requirement per guidelines.   Reviewer Comment (2017-10-31): 2 years at closing
 10/31/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202406619 [Redacted] [Redacted] 4553877 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Gap/Credit refresh provided is incomplete.  Only page 1 provided.   Reviewer Comment (2017-10-19): Received
 10/19/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202406620 [Redacted] [Redacted] 4491585 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2017-10-31): Updated data tape received with designation
 10/31/2017       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Safe Harbor QM Safe Harbor QM Yes C A
202406620 [Redacted] [Redacted] 4491586 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-10-17): Received
 10/17/2017       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Safe Harbor QM Safe Harbor QM No C A
202406812 [Redacted] [Redacted] 4495594 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 711 < 720 under 90% LTV Portfolio Select Bank Statement program, but meets lender exception policy based on compensating factors: DTI, Reserves, and Residual Income 12.6% DTI on this Bank Statement documentation loan < 45% guideline max - 32.4% below program guideline maximum

16.77 months reserves > 6 months guideline minimum - borrowers have verified reserves of $46,187.96

Borrower on this Bank Statement documentation loan has a disposable income of $27,502.22		 Reviewer Comment (2017-10-20): Lender exception approval provided.
       10/20/2017 2 [Redacted] OR Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202406812 [Redacted] [Redacted] 4495595 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] OR Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202406812 [Redacted] [Redacted] 4495605 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-10-26): Received
 10/26/2017       1 [Redacted] OR Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202406812 [Redacted] [Redacted] 4495613 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/0xx/xx/xxxx) Initial Closing Disclosure was not found in the loan file.   Reviewer Comment (2017-10-26): Received CD dated xx/xx/xxxx
 10/26/2017       1 [Redacted] OR Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202406815 [Redacted] [Redacted] 4502176 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202406815 [Redacted] [Redacted] 4503419 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Irregular Transactions TILA-RESPA Integrated Disclosure - Interim Closing Disclosure containing a change in APR, loan product or addition of prepayment penalty was not received by borrower at least three (3) business days prior to consummation. Redisclosed CD provided on 0xx/xx/xxxx, per the disclosure summary, was not provided.   Reviewer Comment (2017-11-09): Received CD dated xx/xx/xxxx
 11/09/2017       1 [Redacted] GA Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202406815 [Redacted] [Redacted] 4598580 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided       Reviewer Comment (2017-11-09): Received
 11/09/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202406815 [Redacted] [Redacted] 4610012 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. Loan does not meet 85% LTV requirements due to Foreclosure in last 12 months. Borrower on this Full documentation loan has a disposable income of $3400 Reviewer Comment (2017-11-28): Received Credit Risk Summary & Exception approval xx/xx/xxxx


Reviewer Comment (2017-11-09): Received copy of Deed showing borrower was grantor signing property over to xxxx, however, no evidence that the Mortgage Loan was satisfied, xxxxx had previously owned the property with the borrower xx/xx/xxxx, then it was granted back to her xx/xx/xxxx (Fraud report p12)
       11/28/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202406816 [Redacted] [Redacted] 4601296 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/0xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $23,374.49 while closing CD seller's fees total $24,126.49.   Reviewer Comment (2017-11-01): Rec'd LOE, corrected CD and evidence of emailing.
     11/01/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes B B
202406816 [Redacted] [Redacted] 4611089 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $223.00 exceeds tolerance of $184.00 plus 10% or $202.40.  Sufficient or excess cure was provided to the borrower at Closing. (0)           10/20/2017   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes B B
202406816 [Redacted] [Redacted] 4611090 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $625.00 exceeds tolerance of $495.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           10/20/2017   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes B B
202406817 [Redacted] [Redacted] 4504013 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Investment Purchase   C A C A C A C A C A N/A N/A No C A
202406817 [Redacted] [Redacted] 4504081 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/0xx/xx/xxxx)     Reviewer Comment (2017-11-10): Appraisal Delivery Acknowledgement Form signed at Closing.
 11/10/2017       1 [Redacted] GA Investment Purchase   B A B A B A B A B A N/A N/A No C A
202406819 [Redacted] [Redacted] 4504358 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Missing 1007 - Appraisers Rental Survey   Reviewer Comment (2017-10-31): Used Freddie Mac 216


Reviewer Comment (2017-10-17): Received same Operating Income Statement that was in the file. Need Rent Schedule for appraisal.
 10/31/2017       1 [Redacted] IL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202406819 [Redacted] [Redacted] 4504368 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202406820 [Redacted] [Redacted] 4512955 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-10-26): Received
 10/26/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202406820 [Redacted] [Redacted] 4602505 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 46.39685% > 45% Non Prime program guideline max, but meets lender exception policy based on comp factors of 25% LTV and 105 months reserves 105 months reserves > 3 months guideline minimum - borrowers have verified reserves of $113,237.74

25% LTV < 80% guideline max		 Reviewer Comment (2017-10-20): Lender exception approval provided.
       10/20/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202406820 [Redacted] [Redacted] 4602506 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. 46.39685% > 40% Non Prime program guideline max for housing ratio. Lender exception approval does not reflect an approval for housing ratio. 105 months reserves > 3 months guideline minimum - borrowers have verified reserves of $113,237.74 Reviewer Comment (2017-10-26): Received Credit Risk Summary & Exception Approval. Residual income < program requirements. Compensating Factors: 1) LTV. 2) Reserves.
       10/26/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202406820 [Redacted] [Redacted] 4602547 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Disposable income discrepancy. Calculated disposable income of ___ is less than Guideline required disposable income of ___. $1,237.00 < $2,100.00 (4 dependents) under Non-Prime program. Lender's Credit Risk Summary & Exception Approval in file.   Lender's calculation $1,237.00 < $2,100.00.  Compensating factors: LTV and Reserves 105 months reserves > 3 months guideline minimum - borrowers have verified reserves of $113,237.74

25% LTV < 80% guideline max		 Reviewer Comment (2017-10-20): Lender exception approval provided.
       10/20/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202406820 [Redacted] [Redacted] 4612173 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided   Fraud report not found in the loan file.   Reviewer Comment (2017-10-26): Received
 10/26/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202406821 [Redacted] [Redacted] 4506682 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 2.81 months < 6 months Portfolio Select.  Lender's 2 months calculation < 6 months. Lender's Credit Risk Summary & Exception Approval in file does not list the exception approval for reserves. 31.558% DTI on this Full documentation loan < 45% guideline max

$2,147.24 Residual Income		 Reviewer Comment (2017-11-01): Received Credit Risk Summary & Exception Approval. Assets: calculated reserves of 2.81 is less than guideline requirement of 6. Compensating Factors: 1) DTI. 2) Residual Income. 3) Stable Employment History.
       11/01/2017 2 [Redacted] OH Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202406822 [Redacted] [Redacted] 4506379 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202406822 [Redacted] [Redacted] 4507180 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-10-25): Received
 10/25/2017       1 [Redacted] CA Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202406822 [Redacted] [Redacted] 4564790 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-10-16): Received Post Disaster Inspection - No Hurricane Damages
 10/16/2017       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202406822 [Redacted] [Redacted] 4594860 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx) $325   Reviewer Comment (2017-10-25): Rec'd LOE, corrected CD and evidence of emailing.
     10/25/2017   2 [Redacted] CA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202406822 [Redacted] [Redacted] 4594861 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Pad fee that was not allocated to a specific cost or service performed. (Final/xx/xx/xxxx)     Reviewer Comment (2017-10-25): Rec'd LOE, corrected CD and evidence of emailing.
     10/25/2017   2 [Redacted] CA Primary Refinance - Rate/Term Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202406823 [Redacted] [Redacted] 4509117 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202426243 [Redacted] [Redacted] 4560778 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426243 [Redacted] [Redacted] 4561401 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-09): Received
 11/09/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202426243 [Redacted] [Redacted] 4561405 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $100.00 Title - Notary Fee not reflected on the consumer's CD   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202426243 [Redacted] [Redacted] 4648208 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing 2015 W-2's for Borrower and Co-borrower.  W-2s for the most recent two (2) years required under Portfolio Select Borrower on this Full documentation loan has a disposable income of $4700 Reviewer Comment (2017-11-27): Received Credit Risk Summary & Exception approval for using WVOE in Lieu of xxxxx


Reviewer Comment (2017-11-22): Portfolio Select Guides xxxxx: 6.15.1 All of the following must be obtained... W-2's for the most recent two (2) years, etc.


Buyer Comment (2017-11-18): Written VOE covers xxxx income and should be acceptable along with transcripts supplied


Reviewer Comment (2017-11-15): Received WVOE again for Borrower from xxxxx


Reviewer Comment (2017-11-09): Still need Borrower's xxxxxx
       11/27/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202426243 [Redacted] [Redacted] 4648298 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		 Received Post Disaster Inspection   Reviewer Comment (2017-11-15): Received Appraisal Update and/or Compliance Report dated xx/xx/xxxx.
 11/15/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426244 [Redacted] [Redacted] 4557395 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202426244 [Redacted] [Redacted] 4557488 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] IL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202426244 [Redacted] [Redacted] 4557490 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] IL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202426244 [Redacted] [Redacted] 4557492 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Disclosure reflects $880.00 homeowner's insurance premium.  Should be $1,389.00 @ $115.75 per month   Reviewer Comment (2017-11-10): Section F shows 7 months collected totaling $880. which is 7.6 months.


Reviewer Comment (2017-11-08): Received bill, reflects total of $1389, Disclosure has not  been corrected
 11/10/2017       1 [Redacted] IL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202426245 [Redacted] [Redacted] 4560240 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426245 [Redacted] [Redacted] 4560485 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-01): Received
 11/01/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202426245 [Redacted] [Redacted] 4560487 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - Before Closing TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed Total Closing Costs (Paid by Seller Before Closing) that does not match sum of fees. (Final/xx/xx/xxxx)               2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202426245 [Redacted] [Redacted] 4628139 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-11-01): Received Appraisal Update and/or Completion Report dated xx/xx/xxxx. See comment on page 2 re: Hurricane.
 11/01/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426246 [Redacted] [Redacted] 4556111 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202426246 [Redacted] [Redacted] 4556198 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   Update / recert of value performed to confirm no damage to property post-disaster.   Reviewer Comment (2017-11-13): Received ClearCapital Post Disaster Inspection dated xx/xx/xxxx.
 11/13/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C A
202426246 [Redacted] [Redacted] 4557207 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202426246 [Redacted] [Redacted] 4647881 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		 Received Post Disaster Inspection   Reviewer Comment (2017-11-13): Received ClearCapital Post Disaster Inspection date xx/xx/xxxx.
 11/13/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202426247 [Redacted] [Redacted] 4557926 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426247 [Redacted] [Redacted] 4557944 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-01): Received Change of Circumstance document to add re-inspection fee
 11/01/2017       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202426247 [Redacted] [Redacted] 4557945 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103)     Reviewer Comment (2017-11-01): Received Change of Circumstance document to add fee
 11/01/2017       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202426247 [Redacted] [Redacted] 4652769 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-11-01): Received Appraisal Update and/or Completion Report dated xx/xx/xxxx.
 11/01/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426247 [Redacted] [Redacted] 4653245 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit risk summary and exception approval in file, page 8. Reserves: Requirements not met. Compensating factors: 1) Residual Income 2) Stable Employment History Guideline variance approved by lender at time of origination Reviewer Comment (2017-10-25): Credit Risk Summary & Exception approval p8
       10/25/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202426249 [Redacted] [Redacted] 4567266 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202426249 [Redacted] [Redacted] 4567299 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426249 [Redacted] [Redacted] 4567379 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.15010% or Final Disclosure APR of 6.17000% is in excess of allowable threshold of APOR 3.72% + 1.5%, or 5.22000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 11/08/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426249 [Redacted] [Redacted] 4567380 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum   Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 11/08/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426249 [Redacted] [Redacted] 4567381 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 11/08/2017       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202426249 [Redacted] [Redacted] 4567382 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 11/08/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426249 [Redacted] [Redacted] 4610857 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   21 months xxx consecutive statements < 24 minimum from same account. Prior account with xxx.   xxx opened 12/2015 (21 statements).  21 months usable deposits / 24 months for DTI.   Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit score and LTV Credit Score 730 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/08/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202426249 [Redacted] [Redacted] 4610902 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 48.90% > 45% Portfolio Select Bank Statement program.  Lender's DTI 47.09% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit score and LTV Credit Score 730 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/08/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202426249 [Redacted] [Redacted] 4611138 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 0xx/xx/xxxx disclosed a Pad fee that was not allocated to a specific cost or service performed. (Final/0xx/xx/xxxx) Section H discloses a Refundable Escrow Fee Pad paid to Chicago Title   Reviewer Comment (2017-11-10): Rec'd LOE, corrected CD and evidence of emailing.
     11/10/2017   2 [Redacted] CA Primary Purchase Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202426249 [Redacted] [Redacted] 4611171 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/0xx/xx/xxxx) Higher $1,878.00 Title - Owner's Title vs $964.00 disclosed on Seller CD.  $150.00 Escrow PAD fee paid by Seller per Seller CD not disclosed on Consumer CD   Reviewer Comment (2017-11-10): Rec'd LOE, corrected CD and evidence of emailing.
     11/10/2017   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202426250 [Redacted] [Redacted] 4546921 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: AUS not provided       Reviewer Comment (2017-11-14): Received, new exceptions apply
 11/14/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4547138 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided       Reviewer Comment (2017-11-24): Received
 11/24/2017       1 [Redacted] GA Primary Purchase   D A D A D A D A D A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4549413 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4549741 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.     Reviewer Comment (2018-01-11): Received initial FACTA dated xx/xx/xxxx


Reviewer Comment (2017-11-24): Received Consumer Explanation Letter, not FACTA.
 01/11/2018       1 [Redacted] GA Primary Purchase   B A B A B A B A B A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4549745 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Alternate Table With Seller TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Final Closing Disclosure provided on 0xx/xx/xxxx used an alternate table on a transaction with a seller. (Final/0xx/xx/xxxx)               2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes D B
202426250 [Redacted] [Redacted] 4549748 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien TRID Final Closing Disclosure xx/xx/xxxx on a simultaneous subordinate lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-24): N/A


Buyer Comment (2017-11-22): please clear condition
 11/24/2017       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes D B
202426250 [Redacted] [Redacted] 4549750 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Deposit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Deposit. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-24): N/A


Buyer Comment (2017-11-22): please clear condition
 11/24/2017       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes D B
202426250 [Redacted] [Redacted] 4549752 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) Selection not made on CD: you declined it OR your lender does not offer one   Reviewer Comment (2017-11-24): Rec'd LOE, corrected CD and evidence of emailing.
     11/24/2017   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes D B
202426250 [Redacted] [Redacted] 4549753 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/xx/xx/xxxx) Field is blank             2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes D B
202426250 [Redacted] [Redacted] 4658622 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance ATR/QM Defect Wages Continuance Qualified Mortgage (Dodd-Frank 2014): Employment not likely to continue. (xxxxx No documentation to support income will continue after move to another state.   Reviewer Comment (2018-01-09): Received additional documentation that borrower is still working.
 01/09/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4658625 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Wages Documentation Qualified Mortgage (Dodd-Frank 2014): Wages / W-2 income documentation not sufficient. (xxxxxxl-A/Wages) No paystubs or W2's provided for new job.   Reviewer Comment (2018-01-08): Hire letter in file
 01/08/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4658626 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014): Unable to verify Wages/W-2 income using reasonably reliable third-party records. (xxx) No paystubs or W2's provided for new job.   Reviewer Comment (2018-01-08): Hire letter in file
 01/08/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4658627 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.     Reviewer Comment (2018-01-08): Hire letter in file
 01/08/2018       1 [Redacted] GA Primary Purchase   A A A A A A A A A A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4658628 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Fail.     Reviewer Comment (2018-01-12): Received updated data tape
 01/12/2018       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes D B
202426250 [Redacted] [Redacted] 4658629 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $48.00 exceeds tolerance of $30.00 plus 10% or $33.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)           10/25/2017   1 [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A A A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes D B
202426250 [Redacted] [Redacted] 4658658 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   No documentation provided to show sale of current residence and proceeds needed to close on new transaction.   Reviewer Comment (2018-01-10): Received Final HUD1 sale of previous residence
 01/10/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4827098 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit AUS Findings: Qualifying asset balance discrepancy.   New Exception per AUS   Reviewer Comment (2018-01-08): Received HUD1 from sale of residence
 01/08/2018       1 [Redacted] GA Primary Purchase     A   A   A   A   A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4827159 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   New Exception per AUS   Reviewer Comment (2018-01-08): Received HUD1 from sale of residence deleting xxxxxx
 01/08/2018       1 [Redacted] GA Primary Purchase     A   A   A   A   A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4827166 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets AUS Findings: Available for Closing discrepancy.   New Exception per AUS   Reviewer Comment (2018-01-08): REceived HUD1 from sale of previous residence netting $131,254.47
 01/08/2018       1 [Redacted] GA Primary Purchase     A   A   A   A   A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4827179 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit AUS Findings: All conditions were not met   New Exception per AUS   Reviewer Comment (2018-01-08): DTI Matches
 01/08/2018       1 [Redacted] GA Primary Purchase     A   A   A   A   A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4924598 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2018-01-08): Hire letter in file
 01/08/2018       1 [Redacted] GA Primary Purchase     A   A   A   A   A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No D B
202426250 [Redacted] [Redacted] 4924599 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Alternate Table Usage TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction.     Reviewer Comment (2017-11-24): PCCD dated xx/xx/xxxx does not show To/From under Costs at Closing on page 1. Also, Without Seller format not used on PCCD dated xx/xx/xxxx.
         2 [Redacted] GA Primary Purchase Good Faith Redisclosure   B   B   B   B   B Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes D B
202426250 [Redacted] [Redacted] 5307465 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary SHQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible).               2 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes D B
202426252 [Redacted] [Redacted] 4626820 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-01): Received
 11/01/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No B B
202426252 [Redacted] [Redacted] 4627031 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $49.95 higher amount Doc Archive/Storage fee and $5.00 higher Notary fee paid by Seller at closing per Consumer CD not reflected on Seller's CD.   Reviewer Comment (2017-11-01): PCCD dated xx/xx/xxxx shows $60,506.57 Seller paid costs. Sellers CD in file shows $60,386.67 Seller paid costs.
         2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes B B
202426253 [Redacted] [Redacted] 4567306 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-01): Received
 11/01/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202426253 [Redacted] [Redacted] 4567329 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Federal HPML 2014 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.01170% or Final Disclosure APR of 6.32000% is in excess of allowable threshold of APOR 3.75% + 2.5%, or 6.25000%.  Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-27): Updated input
 11/27/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   A A A A A A A A A A Non QM Non QM No C B
202426253 [Redacted] [Redacted] 4620144 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Irregular Transactions TILA-RESPA Integrated Disclosure - Interim Closing Disclosure containing a change in APR, loan product or addition of prepayment penalty was not received by borrower at least three (3) business days prior to consummation.     Reviewer Comment (2017-11-27): Updated input
 11/27/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202426253 [Redacted] [Redacted] 4620160 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 0xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/0xx/xx/xxxx) Final Closing Disclosure reflects $100.00 Lender credit for tolerance.  $100.00 < $5,400.00 Zero Percent Tolerance.   Reviewer Comment (2017-11-01): Received CofC to remove wife from Deed
 11/01/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202426253 [Redacted] [Redacted] 4620161 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $25,200.00 exceeds tolerance of $15,400.00.  Insufficient or no cure was provided to the borrower. (8304) Fee disclosed as $15,400.00 on Loan Estimate dated xx/xx/xxxx, but disclosed as $25,200.00 on Final Closing Disclosure.  Valid Change of Circumstance not in file.  Final Closing Disclosure reflects $100.00 Lender credit for tolerance.  $100.00 < $5,400.00 Zero Percent Tolerance.   Reviewer Comment (2017-11-01): Received CofC to remove wife from Deed


Buyer Comment (2017-10-31): chance in circumstance x/xx for removing wife from title received fees
 11/01/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202426253 [Redacted] [Redacted] 4620177 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Possible Financial Hardship.   $xxx subordinate balance / third and final installment of amount due on $xxx due ex-souse per Divorce Decree.  Balance due xxxxx, to be paid from sale proceeds of xxxxe property.  If not paid in full by xxxxx, ex-spouse has right to foreclose.   $xxx due  within 2 years of xxxxx Note date.   Reviewer Comment (2017-11-02): This does not effect subject loan, appraisal in file for this property.
 11/02/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426253 [Redacted] [Redacted] 4620178 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 5.23 months < 6 months Portfolio Select Bank Statement program.  Calculation includes worst case scenario $11,250.00 IO payment included in DTI.  Lender's PITI and reserve calculation based on a Straight Note scenario. Guideline variance approved by lender at time of origination Reviewer Comment (2017-11-06): Exception approval for reserves and subordinate financing based on LTV, Payment Shock, and Residual Income
       11/06/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426253 [Redacted] [Redacted] 4624882 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Subordinate financing not permitted   Terms of Subordinate financing does not meet requirements under Portfolio Select.  Loan has call option of less than 5 years.  Lien holder has the right to foreclose if $xxx not paid by xxx. Loan does not fully amortize under a level monthly payment plan. Guideline variance approved by lender at time of origination Reviewer Comment (2017-11-06): Exception approval for reserves and subordinate financing based on LTV, Payment Shock, and Residual Income
       11/06/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426254 [Redacted] [Redacted] 4564524 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MD Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202426255 [Redacted] [Redacted] 4583738 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A   No C A
202426257 [Redacted] [Redacted] 4592446 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426257 [Redacted] [Redacted] 4592460 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Reserves. 2) Stable Employment History. 17.6  months reserves > 3 months guideline minimum - borrowers have verified reserves of $44,839.87 Reviewer Comment (2017-11-01): Compensating Factors: 1) Reserves. 2) Stable Employment History.
       11/01/2017 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202426257 [Redacted] [Redacted] 4592480 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.95600% or Final Disclosure APR of 7.96800% is in excess of allowable threshold of APOR 3.72% + 1.5%, or 5.22000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-01): Received exception for DTI
 11/01/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426257 [Redacted] [Redacted] 4592481 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum   Reviewer Comment (2017-11-01): Received exception for DTI
 11/01/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426257 [Redacted] [Redacted] 4592482 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2017-11-01): Received exception for DTI
 11/01/2017       1 [Redacted] TX Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202426257 [Redacted] [Redacted] 4592483 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2017-11-01): Received exception for DTI
 11/01/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426257 [Redacted] [Redacted] 4592484 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-01): Received
 11/01/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202426257 [Redacted] [Redacted] 4658343 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/0xx/xx/xxxx) Net $5.00 difference.  Consumer's CD discloses $125.00 Doc Prep paid by Seller vs $100.00 per Seller's CD.  Consumer's CD discloses $20.00 Courier paid by Seller vs $40.00 per Seller's CD             2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202426257 [Redacted] [Redacted] 4658467 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   318.22481% > 250% Non-prime program.  Recently sold prior residence payment $608.95 per loan modification.  Lender's 0.887% payment shock calculation based on $1,350.00 rent for 1 month interim residence post sale and prior to purchasing subject 17.6  months reserves > 3 months guideline minimum - borrowers have verified reserves of $44,839.87 Reviewer Comment (2017-11-01): Compensating Factors: 1) Reserves. 2) Stable Employment History.


Reviewer Comment (2017-11-01): Received Credit Risk Summary & Exception Approval.Payment Shock Exceeds maximum allowed by program. Compensating Factors: 1) Reserves. 2) Stable Employment History.
       11/01/2017 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202426258 [Redacted] [Redacted] 4567997 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___.   18.3 months reserves > 6 months guideline minimum - borrowers have verified reserves of $60,063.59

Borrower on this Full documentation loan has a disposable income of $6,184.28		 Reviewer Comment (2017-10-30): Received Credit Risk Summary & Exception Approval. DTI: Debt Ratio exceeds program guidelines. Compensating Factors: 1) Credit History. 2) Housing Pymt Decrease. 3) Reserves. 4) Residual Income.
       10/30/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202426258 [Redacted] [Redacted] 4568080 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.13500% or Final Disclosure APR of 6.15700% is in excess of allowable threshold of APOR 3.72% + 1.5%, or 5.22000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-10-30): Received exception approval for DTI.
 10/30/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426258 [Redacted] [Redacted] 4568081 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2017-10-30): Received exception approval for DTI.
 10/30/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426258 [Redacted] [Redacted] 4568082 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2017-10-30): Received exception approval for DTI.
 10/30/2017       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202426258 [Redacted] [Redacted] 4568083 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2017-10-30): Received exception approval for DTI.
 10/30/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426258 [Redacted] [Redacted] 4568088 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2017-10-30): Rec'd LOE, corrected CD and evidence of emailing.
     10/30/2017   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202426260 [Redacted] [Redacted] 4599646 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202426263 [Redacted] [Redacted] 4606623 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NJ Investment Refinance - Rate/Term   C A C A C A C A C A N/A N/A No C A
202426265 [Redacted] [Redacted] 4576774 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-10-30): Received
 10/30/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202426265 [Redacted] [Redacted] 4634545 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 9. Reserves: Requirements not met. Compensating Factors: 1) Credit History. 2) DTI. 3) Residual Income. 4) Stable Employment History. 26.627% DTI on this Full documentation loan < 45% guideline max

$20,351.09 Residual Income		 Reviewer Comment (2017-10-25): Compensating Factors: 1) Credit History. 2) DTI. 3) Residual Income. 4) Stable Employment History.
       10/25/2017 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426265 [Redacted] [Redacted] 4634621 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxx,  Most Recent Tax Return End xxxx5, Tax Return Due Date xxxx. (xxxxx)               2 [Redacted] TX Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202426265 [Redacted] [Redacted] 4634622 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-10-30): Received
 10/30/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202426265 [Redacted] [Redacted] 4654056 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage is for $xxx. Note amount is $xxx. Replacement cost per Appraisal $xxx.   Reviewer Comment (2017-10-31): Other coverage on policy is $144,000 to cover pool and others
 10/31/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426266 [Redacted] [Redacted] 4601702 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NJ Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202426266 [Redacted] [Redacted] 4601705 [Redacted] [Redacted] Credit Credit Credit Documentation Credit No evidence of fraud report in file Credit Report: Original // Borrower: xxxxxx Partial copy of report in file   Reviewer Comment (2017-11-01): Received
 11/01/2017       1 [Redacted] NJ Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202426267 [Redacted] [Redacted] 4597118 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426267 [Redacted] [Redacted] 4597337 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level Maryland Counseling Agencies Disclosure Not in File Maryland HB1399 - No evidence of counseling agencies list per Maryland HB 1399.     Reviewer Comment (2017-11-08): Received list
 11/08/2017       1 [Redacted] MD Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202426267 [Redacted] [Redacted] 4597338 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) Maryland Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.     Reviewer Comment (2017-11-13): Attestation Letter Provided: xxxxx does not offer loan products where the APR is below the federal or state thresholds for Higher-Priced Mortgage Loans.
 11/13/2017       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426267 [Redacted] [Redacted] 4597339 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML Maryland HPML Threshold Test Maryland Higher-Priced Mortgage Loan: APR on subject loan of 6.29860% or Final Disclosure APR of 6.33400% is in excess of allowable threshold of APOR 3.63% + 2.5%, or 6.13000%.  Non-Compliant Higher Priced Loan.     Reviewer Comment (2017-11-13): xx
         2 [Redacted] MD Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202426267 [Redacted] [Redacted] 4597349 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.     Reviewer Comment (2017-11-08): Received Tracking tool
 11/08/2017       1 [Redacted] MD Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202426267 [Redacted] [Redacted] 4597563 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/0xx/xx/xxxx) Section F, Line 05 (# months) field is blank.   $5,023.60 County Property Taxes paid by Seller at closing disclosed.   Reviewer Comment (2017-11-08): Rec'd LOE, corrected CD and evidence of emailing.
     11/08/2017   2 [Redacted] MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202426267 [Redacted] [Redacted] 4629278 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing signed final statement documenting sale of departing residence, xxxxxxxxxxxxxx   Reviewer Comment (2017-11-14): Simultaneous closing, no receipt would be available


Reviewer Comment (2017-11-08): Received signed Settlement Statement but no evidence of receipt of $257,512.14.
 11/14/2017       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426267 [Redacted] [Redacted] 4629462 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower. Calculated Available for Closing of ___ is less than Cash From Borrower of  ___. $185,416.64 < $289,039.77   Reviewer Comment (2017-11-14): Simultaneous closing, no receipt would be available
 11/14/2017       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426267 [Redacted] [Redacted] 4629938 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/0xx/xx/xxxx) $14,350.00 Closing Costs paid by Seller at closing (J) does not include $5023.60 First Half 2017/2018 Taxes (Line 6 page 1)   Reviewer Comment (2017-11-08): Rec'd LOE, corrected CD and evidence of emailing.
     11/08/2017   2 [Redacted] MD Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202426267 [Redacted] [Redacted] 4651008 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $180.00 exceeds tolerance of $120.00 plus 10% or $132.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)           10/25/2017   1 [Redacted] MD Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202426268 [Redacted] [Redacted] 4567950 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-11-07): Received
 11/07/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426268 [Redacted] [Redacted] 4569660 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-11-14): Received Post Disaster Inspection - No Hurricane Damages
 11/14/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426268 [Redacted] [Redacted] 4569666 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426268 [Redacted] [Redacted] 4570453 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/0xx/xx/xxxx) Section F, Line 05 (# of months) is blank.  $1,579.53 County / City taxes paid by Seller at closing.             2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202426268 [Redacted] [Redacted] 4620295 [Redacted] [Redacted] Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. Missing Flood Cert   Reviewer Comment (2017-11-07): Received Flood Determination
 11/07/2017       1 [Redacted] GA Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202426268 [Redacted] [Redacted] 4620296 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/0xx/xx/xxxx) $14.50 in Recording Fees paid by Seller per Seller's CD not reflected on Consumer's CD.             2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202426269 [Redacted] [Redacted] 4574839 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202426269 [Redacted] [Redacted] 4574866 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-01): Received
 11/01/2017       1 [Redacted] CA Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202426269 [Redacted] [Redacted] 4657358 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. CalPERS printout in file doesn't show owner of account or vested balance. 41.98% < 45% max Reviewer Comment (2017-11-01): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Stable Employment History.
       11/01/2017 2 [Redacted] CA Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202426270 [Redacted] [Redacted] 4577291 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426270 [Redacted] [Redacted] 4577495 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) Maryland Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.     Reviewer Comment (2017-11-14): Updated
 11/14/2017       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426270 [Redacted] [Redacted] 4632296 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 0xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. (Interim/0xx/xx/xxxx) Loan Estimate dated xx/xx/xxxx Received Date xx/xx/xxxx >= xx/xx/xxxx (xx/xx/xxxx Closing Date Less 3).  Disclosure not acknowledged by Borrower.  Disclosure Tracking (p 540) does not indicate revised LE received date.   Reviewer Comment (2017-12-08): Received attestation letter  showing LE not sent, (CHD-5202)


Reviewer Comment (2017-11-28): Tracking tool on page 540 indicates that LE was sent xx/xx/xxxx, no evidence of receipt or signature to clear exception.


Reviewer Comment (2017-11-08): Received signed LE dated xx/xx/xxxx. Need proof that LE dated xx/xx/xxxx was received by Borrower within time to close xx/xx/xxxx.
 12/08/2017       1 [Redacted] MD Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202426270 [Redacted] [Redacted] 4632378 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Missing signed letter of explanation from Borrower for $0.00 deposits for 7 consecutive months within 24 months period.  Xxxxx statements provided document $0.00 deposits made for each month statement. 32.385% DTI on this Bank Statement documentation loan < 45% guideline max Reviewer Comment (2017-11-16): Received Credit Risk Summary & Exception Approval. Bank Statement: Account requirements not met. Compensating Factors: 1) Credit Score. 2) Credit History. 3) DTI. 4) Stable Employment History.
       11/16/2017 2 [Redacted] MD Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202426270 [Redacted] [Redacted] 4826328 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML Maryland HPML Threshold Test Maryland Higher-Priced Mortgage Loan: APR on subject loan of 6.37760% or Final Disclosure APR of 6.39700% is in excess of allowable threshold of APOR 3.71% + 1.5%, or 5.21000%.  Compliant Higher Priced Loan.               2 [Redacted] MD Primary Purchase     B   B   B   B   B Non QM Non QM No C B
202426271 [Redacted] [Redacted] 4594971 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202426271 [Redacted] [Redacted] 4595076 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-01): Received
 11/01/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202426271 [Redacted] [Redacted] 4659438 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-10-26): Catastrophic Disaster Area Property Inspection Report dated xx/xx/xxxx in file, page 220.
 10/26/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202426272 [Redacted] [Redacted] 4600867 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-06): Received
 12/06/2017       1 [Redacted] WA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202426272 [Redacted] [Redacted] 4601035 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] WA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202426273 [Redacted] [Redacted] 4584907 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426273 [Redacted] [Redacted] 4585878 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-01): Received
 11/01/2017       1 [Redacted] SC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202426273 [Redacted] [Redacted] 4585883 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $75.00 Pest Inspection and $30.00 Courier fees paid by Seller per Seller's CD not reflected on Consumer's CD.             2 [Redacted] SC Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202426274 [Redacted] [Redacted] 4589187 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 47.66% > 45% Portfolio Select.  Lender's DTI 49.84% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Payment shock, Reserves and Stable employment Borrower has employment stability of 17 years on his job Reviewer Comment (2017-11-07): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/07/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202426274 [Redacted] [Redacted] 4589239 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426274 [Redacted] [Redacted] 4589724 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.73060% or Final Disclosure APR of 6.77300% is in excess of allowable threshold of APOR 3.72% + 1.5%, or 5.22000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-09): Appraisal delivered to Borrower
 11/09/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426274 [Redacted] [Redacted] 4589725 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum   Reviewer Comment (2017-11-07): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 11/07/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426274 [Redacted] [Redacted] 4589726 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2017-11-07): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 11/07/2017       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202426274 [Redacted] [Redacted] 4589728 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2017-11-07): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 11/07/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426274 [Redacted] [Redacted] 4613022 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Guideline Issue:  Foreclosure timeline outside of credit guidelines   Loan Modification entered into by Borrower xxxx < 24 months waiting period on xx Note date under Portfolio Select.   Modification of Seterus Inc, mortgage account secured by xxxxx property.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Payment shock, Reserves and Stable employment Borrower has employment stability of 17 years on his job Reviewer Comment (2017-11-07): received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/07/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202426274 [Redacted] [Redacted] 4613651 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/0xx/xx/xxxx)     Reviewer Comment (2017-11-09): Borrower signed receipt at Closing
 11/09/2017       1 [Redacted] GA Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202426274 [Redacted] [Redacted] 4613652 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/0xx/xx/xxxx)     Reviewer Comment (2017-11-09): Borrower signed receipt at Closing
 11/09/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426274 [Redacted] [Redacted] 4613731 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $10,776.85 Seller paid fees per Seller's CD < $10,811.85 Seller paid fees per Consumer's CD. $35.00 Seller's Fee to Partnership Title paid by Seller per Consumer CD not reflected on Seller's CD.   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202426275 [Redacted] [Redacted] 4589084 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202426275 [Redacted] [Redacted] 4648006 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		 Catastrophic Disaster Area Property Inspection Report - No Hurricane Damage p 106.  Inspection dated x/xxx prior xx/xxx disaster date.   Reviewer Comment (2017-11-01): Received Catastrophic Disaster Area Property Inspection Report dated xx/xx/xxxx.
 11/01/2017       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202426277 [Redacted] [Redacted] 4600881 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-07): 2nd full appraisal in file, input
 03/07/2018       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426277 [Redacted] [Redacted] 4600926 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 0.61 months < 6 months Portfolio Select Bank Statement program.  Lender's 2 months calculation < 6 months.  Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit history, Residual income and Stable employment history $13,185.51 Residual Income with Bank Statement income documentation Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Credit History. 2) Residual Income. 3) Stable Employment History.
       11/08/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426277 [Redacted] [Redacted] 4600927 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 47.89% > 45% Portfolio Select Bank Statement program.  Lender's 49.26% > 45%.   Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit history, Residual income and Stable employment history $13,185.51 Residual Income with Bank Statement income documentation Reviewer Comment (2017-11-08): Compensating factors: Credit history, Residual income and Stable employment history
       11/08/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426277 [Redacted] [Redacted] 4600929 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. 42.69% > 4% Portfolio Select Bank Statement program.  Lender's 42.91% > 40%.   Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit history, Residual income and Stable employment history $13,185.51 Residual Income with Bank Statement income documentation Reviewer Comment (2017-11-08): Compensating factors: Credit history, Residual income and Stable employment history
       11/08/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426277 [Redacted] [Redacted] 4601018 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.               2 [Redacted] GA Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202426277 [Redacted] [Redacted] 4601019 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.44080% or Final Disclosure APR of 6.48500% is in excess of allowable threshold of APOR 3.75% + 2.5%, or 6.25000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-08): DTI exception approval in file
 11/08/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426277 [Redacted] [Redacted] 4601020 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2017-11-08): DTI exception approval in file
 11/08/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426277 [Redacted] [Redacted] 4601021 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2017-11-08): DTI exception approval in file
 11/08/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202426277 [Redacted] [Redacted] 4601022 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2017-11-08): DTI exception approval in file
 11/08/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426277 [Redacted] [Redacted] 4601023 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 0xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/0xx/xx/xxxx)     Reviewer Comment (2017-11-08): Received Acknowledgement that Loan Assumptions Are Not Permitted
 11/08/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202426277 [Redacted] [Redacted] 4601024 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 0xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/0xx/xx/xxxx)     Reviewer Comment (2017-12-15): Rec'd LOE, corrected CD, copy of refund check and proof of delivery


Reviewer Comment (2017-12-11): Rec'd LOE, corrected CD, copy of refund check and proof of delivery. But PCCD dated xx/xx/xxxx has incorrect figures in the Loan Calculations box on page 5.
     12/15/2017   2 [Redacted] GA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202426277 [Redacted] [Redacted] 4601025 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $450.00.  Insufficient or no cure was provided to the borrower. (7506) Fee disclosed as $450 on Loan Estimates dated xx/xx/xxxx and xx/xx/xxxx, but disclosed as $750 on Final Closing Disclosure.  Change of Circumstance in file dated xxx notes removed appraisal re-inspection fee that no longer applies.  Increase in appraisal fee not indicated. Final Closing Disclosure does not reflect a Lender credit for $300.00 Zero Percent tolerance.   Reviewer Comment (2017-12-15): Rec'd LOE, corrected CD, copy of refund check and proof of delivery


Reviewer Comment (2017-12-11): Rec'd LOE, corrected CD, copy of refund check and proof of delivery. But PCCD dated xx/xx/xxxx has incorrect figures in the Loan Calculations box on page 5.


Reviewer Comment (2017-11-08): Received same Loan Estimate dated xx/xx/xxxx that is in the file. No Change of Circumstance provided for increase of Appraisal Fee.
     12/15/2017   2 [Redacted] GA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202426277 [Redacted] [Redacted] 4601026 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.     Reviewer Comment (2017-12-05): Received early disclosure


Reviewer Comment (2017-11-08): Received the same undated ARM disclosure signed by Borrowers on xx/xx/xxxx.
 12/05/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202426277 [Redacted] [Redacted] 4601027 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.     Reviewer Comment (2017-12-05): Received early disclosure
 12/05/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202426277 [Redacted] [Redacted] 4632918 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. 80% > 75% Portfolio Select Bank Statement $201K - $300K Cash-out program.  $260,090.62 cash out at closing.  Exception not acknowledged by Lender $13,185.51 Residual Income with Bank Statement income documentation Reviewer Comment (2017-12-11): Exception approval for LTV based on credit history, residual income, and stable employment


Buyer Comment (2017-12-04): Please review Credit exception uploaded on xx/xx/xxxx
       12/11/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426277 [Redacted] [Redacted] 4632919 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. 80% > 75% Portfolio Select Bank Statement $201K - $300K Cash-out program.  $260,090.62 cash out at closing.  Exception not acknowledged by Lender $13,185.51 Residual Income with Bank Statement income documentation Reviewer Comment (2017-12-11): Exception approval for LTV based on credit history, residual income, and stable employment
       12/11/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426278 [Redacted] [Redacted] 4574675 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426278 [Redacted] [Redacted] 4575244 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.14290% or Final Disclosure APR of 8.20100% is in excess of allowable threshold of APOR 3.75% + 1.5%, or 5.25000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-08): Exception approval for DTI in file.
 11/08/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426278 [Redacted] [Redacted] 4575245 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum.  Reserves < minimum.  LTV > maximum.   Reviewer Comment (2017-11-08): Exception approval for DTI in file.
 11/08/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426278 [Redacted] [Redacted] 4575246 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum.  Reserves < minimum.  LTV > maximum   Reviewer Comment (2017-11-08): Exception approval for DTI in file.
 11/08/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202426278 [Redacted] [Redacted] 4575247 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum.  Reserves < minimum. LTV > maximum   Reviewer Comment (2017-11-08): Exception approval for DTI in file.
 11/08/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426278 [Redacted] [Redacted] 4575248 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202426278 [Redacted] [Redacted] 4644257 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 49.05% > 45% Non-Prime program.  Lender's DTI 48.29% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Payment shock and Residual income. Borrower on this Full documentation loan has a disposable income of $3,213.94 Reviewer Comment (2017-11-08): Compensating factors: Payment shock and Residual income.
       11/08/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426278 [Redacted] [Redacted] 4644287 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 2.26 months < 3 months Non-Prime program.  Lender's 3 months calculation not supported. Borrower on this Full documentation loan has a disposable income of $3,213.94 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Payment Shock. 2) Residual Income.
       11/08/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426278 [Redacted] [Redacted] 4644304 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. 75% > 70% Non-prime program Cash-out refinance with 521 FICO.  Minimum 540 FICO required.  Borrower's 521 FICO supports max 70% LTV.  Lender's approval based on FICO per Broker's credit report not in file.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Payment shock and Residual income. Borrower on this Full documentation loan has a disposable income of $3,213.94 Reviewer Comment (2017-11-08): Compensating factors: Payment shock and Residual income.
       11/08/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426278 [Redacted] [Redacted] 4644306 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. 75% > 70% Non-prime program Cash-out refinance with 521 FICO.  Minimum 540 FICO required.  Borrower's 521 FICO supports max 70% LTV.  Lender's approval based on FICO per Broker's credit report not in file.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Payment shock and Residual income.   Reviewer Comment (2017-11-08): DUPLICATE
 11/08/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426279 [Redacted] [Redacted] 4610502 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-10-26): Received
 10/26/2017       1 [Redacted] IL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202426279 [Redacted] [Redacted] 4610568 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202426280 [Redacted] [Redacted] 4571577 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___.   Borrower on this Full documentation loan has a disposable income of $6,128.05 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception Approval. Total DTI of 45.18 exceeds max of 45. Compensating Factors: 1) Residual Income. 2) Stable Employment History.
       11/08/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426280 [Redacted] [Redacted] 4571579 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___.   Borrower on this Full documentation loan has a disposable income of $6,128.05 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception Approval. Housing ratio of 40.71 exceeds max of 40. Compensating Factors: 1) Residual Income. 2) Stable Employment History.
       11/08/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202426280 [Redacted] [Redacted] 4571621 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.58710% or Final Disclosure APR of 6.59800% is in excess of allowable threshold of APOR 3.71% + 2.5%, or 6.21000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception Approval
 11/08/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426280 [Redacted] [Redacted] 4571622 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception Approval
 11/08/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426280 [Redacted] [Redacted] 4571623 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception Approval
 11/08/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202426280 [Redacted] [Redacted] 4571624 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception Approval
 11/08/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202426280 [Redacted] [Redacted] 4571625 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. 7,075.60 < 7,432.10             2 [Redacted] CA Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202426281 [Redacted] [Redacted] 4586415 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note Addendum - Interest Only not provided       Reviewer Comment (2017-11-01): Note is IO note, rider/addendum not required
 11/01/2017       1 [Redacted] TX Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202426281 [Redacted] [Redacted] 4586467 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Loan is Interest Only and the Interest Only Rider is missing       Reviewer Comment (2017-11-01): not required per Note or Security instrument
 11/01/2017       1 [Redacted] TX Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202426281 [Redacted] [Redacted] 4586469 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received
 03/01/2018       1 [Redacted] TX Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202426281 [Redacted] [Redacted] 4586843 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxx,  Most Recent Tax Return End Date xxxx, Tax Return Due Date xxxx. Xxxxxxx xxxxxxxxxxxx             2 [Redacted] TX Primary Refinance - Rate/Term   B B B B B B B B B B Non QM Non QM No C B
202426281 [Redacted] [Redacted] 4586845 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-09): Received
 11/09/2017       1 [Redacted] TX Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202426281 [Redacted] [Redacted] 4656367 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA TILA LO Compensation (Dual Compensation) Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. $10,960.00 Broker Fee paid by Lender and $450.00 Processing Fee paid by Borrower at closing paid to Originator/Broker   Reviewer Comment (2017-11-14): Received Settlement statement from escrow verifying no Processing fee


Buyer Comment (2017-11-13): uploaded final cd


Reviewer Comment (2017-11-10): Unable to determine what document is showing regarding this fee. Is there a corrected CD?
 11/14/2017       1 [Redacted] TX Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202426281 [Redacted] [Redacted] 4656415 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 0xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/0xx/xx/xxxx) Disclosure reflects $3,419.00 homeowner's insurance premium.  Should be $3,156.00 @ $263.00 per month   Reviewer Comment (2017-11-14): repeat
 11/14/2017       1 [Redacted] TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202426281 [Redacted] [Redacted] 4827573 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 0xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/0xx/xx/xxxx) Disclosure reflects $3,419.00 homeowner's insurance premium. Should be $3,156.00 @ $263.00 per month             2 [Redacted] TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure   B   B   B   B   B Non QM Non QM Yes C B
202426281 [Redacted] [Redacted] 4827574 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Payment Max Amount In Year TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 0xx/xx/xxxx with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (Final/0xx/xx/xxxx) New Exception from receipt of documents   Reviewer Comment (2017-12-01): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-11-30): Monthly Principal & Interest section of PCCD dated xx/xx/xxxx shows payment can go as high as $5,939 in year 8. This should state in year 11.


Reviewer Comment (2017-11-28): PCCD dated xx/xx/xxxx did not clear exception.
     12/01/2017   2 [Redacted] TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure   B   B   B   B   B Non QM Non QM Yes C B
202426281 [Redacted] [Redacted] 5747175 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Desk Review value is less than Appraised value by at least 10%.   Per CDA   Reviewer Comment (2018-03-05): Received Field Review within 10% value
 03/05/2018       1 [Redacted] TX Primary Refinance - Rate/Term     A   A   A   A   A Non QM Non QM No C B
202426282 [Redacted] [Redacted] 4603530 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final 1003       Reviewer Comment (2017-11-07): Received
 11/07/2017       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426282 [Redacted] [Redacted] 4603533 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426282 [Redacted] [Redacted] 4603611 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.               2 [Redacted] SC Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202426282 [Redacted] [Redacted] 4603613 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.               2 [Redacted] SC Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202426282 [Redacted] [Redacted] 4603614 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.     Reviewer Comment (2017-11-07): Received
 11/07/2017       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202426282 [Redacted] [Redacted] 4603615 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 0xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/0xx/xx/xxxx)               2 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202426282 [Redacted] [Redacted] 4603617 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/0xx/xx/xxxx)     Reviewer Comment (2017-11-07): Received
 11/07/2017       1 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202426282 [Redacted] [Redacted] 4750384 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/0xx/xx/xxxx)     Reviewer Comment (2017-11-07): Rec'd LOE, corrected CD and evidence of emailing.
     11/07/2017   2 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure   B   B   B   B   B Non QM Non QM Yes C B
202426283 [Redacted] [Redacted] 4577323 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202426283 [Redacted] [Redacted] 4650552 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-11-01): Received ClearCapital Post Disaster Inspection dated xx/xx/xxxx.
 11/01/2017       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202480291 [Redacted] [Redacted] 4613190 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480291 [Redacted] [Redacted] 4613381 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-06): Received
 11/06/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480291 [Redacted] [Redacted] 4613382 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-06): Rec'd LOE, corrected CD and evidence of emailing
     11/06/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480291 [Redacted] [Redacted] 4613384 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-06): Rec'd LOE, corrected CD and evidence of emailing
     11/06/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202480291 [Redacted] [Redacted] 4694238 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-10-31): Appraisal report dated xx/xx/xxxx.
 10/31/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480293 [Redacted] [Redacted] 4612502 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal


Reviewer Comment (2018-02-26): na


Buyer Comment (2018-02-21): In error uploaded the incorrect assets xxxx dated 0xx/xx/xxxx @01:35pm
 03/01/2018       1 [Redacted] IL Investment Purchase   C A C A C A C A C A N/A   No C A
202480293 [Redacted] [Redacted] 4685670 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Guideline Requirement: Available for Reserves discrepancy. Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. Missing 6 mos reserves.   Reviewer Comment (2018-02-21): Received xxxxx Account, borrower had opened just before closing, source of funds from previous refi


Reviewer Comment (2018-02-04): Received same assets


Buyer Comment (2018-02-03): xxxxx requirement is met
 02/21/2018       1 [Redacted] IL Investment Purchase   C A C A C A C A C A N/A   No C A
202480293 [Redacted] [Redacted] 4685720 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Short funds to close $11,148.34 + 6 mos reserves $5406.18 = $16,554.52 short for closing   Reviewer Comment (2018-02-21): Received xxxxx Account, borrower had opened just before closing, source of funds from previous refi


Reviewer Comment (2018-02-04): Received same assets, borrower needs $27907.87 to close plus 6 months PI reserves
 02/21/2018       1 [Redacted] IL Investment Purchase   C A C A C A C A C A N/A   No C A
202480294 [Redacted] [Redacted] 4615011 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480294 [Redacted] [Redacted] 4615359 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 7.33670% or Final Disclosure APR of 7.39100% is in excess of allowable threshold of USTreasury 2.9100% + 3%, or 5.91000%.  Compliant Subprime Loan.               2 [Redacted] MN Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202480294 [Redacted] [Redacted] 4615360 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-24): Received
 11/24/2017       1 [Redacted] MN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480294 [Redacted] [Redacted] 4615367 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.   Reviewer Comment (2017-11-24): Rec'd LOE, corrected CD and evidence of emailing.
     11/24/2017   2 [Redacted] MN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480294 [Redacted] [Redacted] 4615370 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $187,924.49 > $1,961.00   Reviewer Comment (2017-11-24): Rec'd LOE, corrected CD and evidence of emailing.
     11/24/2017   2 [Redacted] MN Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202480294 [Redacted] [Redacted] 4695479 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.33670% or Final Disclosure APR of 7.39100% is in excess of allowable threshold of APOR 3.73% + 1.5%, or 5.23000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-24): Received xxxxx
 11/24/2017       1 [Redacted] MN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480294 [Redacted] [Redacted] 4695481 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2017-11-24): Received xxxxx
 11/24/2017       1 [Redacted] MN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480294 [Redacted] [Redacted] 4695482 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.     Reviewer Comment (2017-11-24): Received xxxxx
 11/24/2017       1 [Redacted] MN Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202480294 [Redacted] [Redacted] 4695483 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Employment - K-1 Less 25% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (xxxxxxxx)     Reviewer Comment (2017-11-24): Received xxxxx
 11/24/2017       1 [Redacted] MN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480294 [Redacted] [Redacted] 4695484 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Income and Assets - K-1 Less 25% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (xxxxxxxx)     Reviewer Comment (2017-11-24): Received xxxxx
 11/24/2017       1 [Redacted] MN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480294 [Redacted] [Redacted] 4695485 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxxx K-1 not provided. Unable to determine percentage of ownership to determine what other documentation may be required.   Reviewer Comment (2017-11-24): Received xxxxx
 11/24/2017       1 [Redacted] MN Primary Purchase   A A A A A A A A A A Non QM Non QM No C B
202480296 [Redacted] [Redacted] 4616348 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI exceeds max of 45%, but meets lender exception policy based on compensating factors: housing payment reduction, excess residual income, and only one 30 day consumer late since 2012 No derog credit since 2012 except one small consumer 30 day late.

Borrower's mortgage payment decreased by $2578.62 per month

Borrower on this Full documentation loan has a disposable income of $12,691.53 > $2,000.00 guideline minimum.		 Reviewer Comment (2017-10-30): Lender exception approval provided.
       10/30/2017 2 [Redacted] CA Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202480296 [Redacted] [Redacted] 4616402 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Lender granted FICO exception for program. Minimum FICO for Interest Only is 680.  Comp factors provided. No derog credit since 2012 except one small consumer 30 day late.

Borrower's mortgage payment decreased by $2578.62 per month

Borrower on this Full documentation loan has a disposable income of $12,691.53 > $2,000.00 guideline minimum.		 Reviewer Comment (2017-10-30): Lender exception approval provided.
       10/30/2017 2 [Redacted] CA Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202480296 [Redacted] [Redacted] 4616756 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. ESign consent agreement was not found in the loan file.   Reviewer Comment (2017-11-08): received
 11/08/2017       1 [Redacted] CA Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480296 [Redacted] [Redacted] 4616760 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $990.00 exceeds tolerance of $715.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Cure of $225.00 was provided at closing.         10/20/2017   1 [Redacted] CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202480296 [Redacted] [Redacted] 4698531 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided   Fraud report was not found in the loan file.   Reviewer Comment (2017-11-08): received
 11/08/2017       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202480298 [Redacted] [Redacted] 4616573 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202480299 [Redacted] [Redacted] 4623152 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) Maryland Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.     Reviewer Comment (2017-11-15): Received disclsoure
 11/15/2017       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480299 [Redacted] [Redacted] 4623154 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect Maryland Ability to Repay Not Verified Maryland SB270:  File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable.     Reviewer Comment (2017-11-13): Received Bank Statement worksheet
 11/13/2017       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480299 [Redacted] [Redacted] 4623236 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Credit Risk Summary & Exception Approval in file, page 5. Credit Score < program requirements. Compensating Factors: 1) Credit History. 2) DTI. 3) Stable Employment History. 22.721% DTI on this Bank Statement documentation loan < 45% guideline max Reviewer Comment (2017-10-31): Compensating Factors: 1) Credit History. 2) DTI. 3) Stable Employment History.
       10/31/2017 2 [Redacted] MD Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480299 [Redacted] [Redacted] 4623278 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480299 [Redacted] [Redacted] 4714367 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-27): Received
 11/27/2017       1 [Redacted] MD Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480299 [Redacted] [Redacted] 4837669 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML Maryland HPML Threshold Test Maryland Higher-Priced Mortgage Loan: APR on subject loan of 6.58910% or Final Disclosure APR of 6.60200% is in excess of allowable threshold of APOR 3.72% + 1.5%, or 5.22000%.  Compliant Higher Priced Loan.               2 [Redacted] MD Primary Purchase     B   B   B   B   B Non QM Non QM No C B
202480300 [Redacted] [Redacted] 4616683 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Investment Purchase   C A C A C A C A C A N/A   No C A
202480301 [Redacted] [Redacted] 4625050 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-06): Received
 11/06/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202480301 [Redacted] [Redacted] 4625122 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202480301 [Redacted] [Redacted] 4688018 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $18,202.23 < $141,506.27
Missing copy of closing statement signed by Borrower or title documenting sale ofxxxxx payoff of xxxxxx accounts and estimated $158,555.00 net proceeds to Borrower (per unsigned estimate in file p 266) - Missing evidence receipt of sales proceeds, proof of deposit or copy of wire/cashier's check to title		   Reviewer Comment (2017-11-06): Received CD from sale of xxxxx with copy of wire sent xx/xx/xxxx for $xxxx
 11/06/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202480301 [Redacted] [Redacted] 4688098 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing verification 6 months ($13,320.48) PITI reserves Portfolio Select Bank Statement program.
Missing proof of wire for sale of departing residence.		   Reviewer Comment (2017-11-06): Received CD from sale of xxxxx with copy of wire sent xx/xx/xxxx for $xxxx
 11/06/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202480304 [Redacted] [Redacted] 4688141 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Debt service ratio issue   DSR > 90%, missing evidence borrower has received 3 months rent as reflected on the lease.  Printouts provided are for balancing Bank account only FICO 691, 9  months reserves. Reviewer Comment (2018-02-01): Rec'd exception.  Debt service ratio of 92.6% exceeds 90% per guidelines.


Reviewer Comment (2017-11-13): received same printouts, no name verified as to who the account belongs to and deposits do not appear to add up to the rent.
       02/01/2018 2 [Redacted] GA Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202480305 [Redacted] [Redacted] 4624148 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202480305 [Redacted] [Redacted] 4625201 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] AZ Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480305 [Redacted] [Redacted] 4625202 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/0xx/xx/xxxx)     Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] AZ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480305 [Redacted] [Redacted] 4625205 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $50.00 exceeds tolerance of $28.00 plus 10% or $30.80.  Sufficient or excess cure was provided to the borrower at Closing. (0)           10/23/2017   1 [Redacted] AZ Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202480306 [Redacted] [Redacted] 4623958 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480306 [Redacted] [Redacted] 4624542 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.             2 [Redacted] FL Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202480306 [Redacted] [Redacted] 4624545 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Number of months not disclosed on Final CD.   Reviewer Comment (2017-11-29): Rec'd LOE, corrected CD and evidence of emailing.
     11/29/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480306 [Redacted] [Redacted] 4704578 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Disposable income is less than $1,500.00 and below guideline minimum.   Residual income is less than $1500.00 required by guidelines, but meets lender exception policy based on compensating factors of housing payment decrease of $898.70 and total payment shock of -48.39%. Borrower's housing payment decreased by $898.70 per month

Total payment shock decrease -48.39%		 Reviewer Comment (2017-10-30): Lender exception approval provided.
       10/30/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480307 [Redacted] [Redacted] 4626260 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480307 [Redacted] [Redacted] 4702579 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2017-11-08): Received Post Disaster Inspection - No Hurricane Damages
 11/08/2017       1 [Redacted] CA Primary Refinance - Rate/Term   B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202480307 [Redacted] [Redacted] 4711378 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Appendix Q Liabilities - Revolving Qualified Mortgage (Dodd-Frank 2014): Revolving Liabilities that have an effect on the consumer's ability to repay have been excluded from DTI calculation.     Reviewer Comment (2017-12-14): Clear with re-run
 12/14/2017       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480307 [Redacted] [Redacted] 4711379 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx)     Reviewer Comment (2017-11-28): income not used, negative income netted from Primary income


Reviewer Comment (2017-11-08): Received K1, however this is a HPQM, Appendix Q requires YTD P&L and Balance sheet, and VVOE - 3rd party verification, items not provided.
 11/28/2017       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480307 [Redacted] [Redacted] 4711380 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).     Reviewer Comment (2018-01-21): Received signature pages
 01/21/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480307 [Redacted] [Redacted] 4711381 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Employment - Partnership Ability to Repay (Dodd-Frank 2014): Unable to verify current Partnership employment status using reasonably reliable third-party records. (xxxxxx/Partnership)     Reviewer Comment (2017-12-14): Clear with re-run
 12/14/2017       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480307 [Redacted] [Redacted] 4711382 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.     Reviewer Comment (2017-12-14): Clear with re-run
 12/14/2017       1 [Redacted] CA Primary Refinance - Rate/Term   A A A A A A A A A A Higher Priced QM Safe Harbor QM No C B
202480307 [Redacted] [Redacted] 4711383 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Fail. Business tax returns not signed.  --- Updated received tax returns, updated designation of Safe Harbor does not match Higher Priced Mortgage Loan   Reviewer Comment (2018-01-24): Received Amended Data Tape Changing Loan Designation


Reviewer Comment (2018-01-18): Rec'd evidence tax returns were sent to borrower via Fed Ex for signature.  Missing signed tax returns.
 01/24/2018       1 [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202480307 [Redacted] [Redacted] 4711554 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ xxxxxxxxxxxx   Reviewer Comment (2018-01-21): Received signature pages


Reviewer Comment (2018-01-18): Rec'd evidence tax returns were sent to borrower via Fed Ex for signature.  Missing signed tax returns.


Reviewer Comment (2017-11-08): HPQM, missing P&L, and Balance Sheet as required for Appendix Q
 01/21/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480307 [Redacted] [Redacted] 5398994 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.               2 [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202480308 [Redacted] [Redacted] 4629024 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___.   0x30 on all credit in last 60 months.

726 representative FICO score > 680 guideline minimum - 46 points above guideline minimum		 Reviewer Comment (2017-10-30): Lender exception approval provided.
       10/30/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480308 [Redacted] [Redacted] 4629535 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Prepaid amount of $758.00 does not equal 12 month calculation @ $44.58/mo.   Reviewer Comment (2017-11-08): Received PCCD dated xx/xx/xxxx but still has incorrect HOI premium.
         2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480308 [Redacted] [Redacted] 4629537 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. SSPL was not found in the loan file.   Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480308 [Redacted] [Redacted] 4629649 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $2,879.00 while closing CD seller's fees total $2,119.00.   Reviewer Comment (2017-11-08): Rec'd LOE, corrected CD and evidence of emailing.
     11/08/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202480309 [Redacted] [Redacted] 4688280 [Redacted] [Redacted] Property Credit AUS Discrepancy / Guidelines Discrepancy Credit Property is vacant   The property cannot be vacant at the time of closing.  Lease for 1 part included in file, lease for other Unit missing Credit Score, Credit History and File contains lease for move in Oct. 2017. Reviewer Comment (2018-01-30): Received Credit Risk Summary & Exception Approval. Property: Ineligible - Property is vacant. Compensating Factors: 1) Credit Score. 2) Credit History. 3) New lease in file.
       01/30/2018 2 [Redacted] GA Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202480310 [Redacted] [Redacted] 4624993 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received
 03/01/2018       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C B
202480310 [Redacted] [Redacted] 4625039 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline issue: Property type is not allowed per credit guidelines.   The appraisal reflects the subject square footage at 912 which is less than the 1200 minimum required. $83,867.69 in reserves

766 credit score		 Reviewer Comment (2017-11-01): Received Credit Risk Summary & Exception Approval. Property: <1200 Sq Ft. 913 Sq Ft. Compensating Factors: 1) Credit Score. 2) Reserves.
       11/01/2017 2 [Redacted] GA Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202480310 [Redacted] [Redacted] 4625047 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: 0xx/xx/xxxx     Reviewer Comment (2017-11-01): Duplicate
 11/01/2017       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C B
202480310 [Redacted] [Redacted] 4625116 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Value variance greater than 10% between origination appraisal and subsequent product   The AVM value was greater than 10% variance from the appraised value, however exception was made with compensating factors of 766 representative FICO score and $83,867.69 in reserves. Guideline variance approved by lender at time of origination Reviewer Comment (2017-10-28): Credit Risk Summary & Exception approval p1
       10/28/2017 2 [Redacted] GA Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202480310 [Redacted] [Redacted] 5747182 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Desk Review value is less than Appraised value by at least 10%.   Per CDA   Reviewer Comment (2018-03-05): Received Field Review at Value
 03/05/2018       1 [Redacted] GA Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No C B
202480312 [Redacted] [Redacted] 4627426 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202480313 [Redacted] [Redacted] 4626783 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided       Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] CA Primary Purchase   D A D A D A D A D A Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) No D B
202480313 [Redacted] [Redacted] 4627062 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: AUS not provided       Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) No D B
202480313 [Redacted] [Redacted] 4628178 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 0xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/299193) First page of Closing Disclosure indicates loan will be escrowed.   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) Yes D B
202480313 [Redacted] [Redacted] 4628179 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 0xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/299193)     Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) Yes D B
202480313 [Redacted] [Redacted] 4628180 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Homeowners Insurance Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 0xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/0xx/xx/xxxx) First page of Closing Disclosure indicates loan will be escrowed.   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) Yes D B
202480313 [Redacted] [Redacted] 4628182 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Property Taxes Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 0xx/xx/xxxx incorrectly disclosed whether property taxes are included in escrow. (Final/0xx/xx/xxxx) First and fourth pages of Closing Disclosure indicates loan will be escrowed.   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) Yes D B
202480313 [Redacted] [Redacted] 4628184 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 0xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/0xx/xx/xxxx) First and fourth pages of Closing Disclosure indicates loan will be escrowed.   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) Yes D B
202480313 [Redacted] [Redacted] 4628185 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 0xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/0xx/xx/xxxx) First and fourth pages of Closing Disclosure indicates loan will be escrowed.   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) Yes D B
202480313 [Redacted] [Redacted] 4628231 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) No D B
202480313 [Redacted] [Redacted] 4709161 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided       Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) No D B
202480313 [Redacted] [Redacted] 4775183 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). New exception upon receipt of missing documents being provided.   Reviewer Comment (2017-11-13): Received amended data tape changing to THPQM
 11/13/2017       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status   A   A   A   A   A Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) Yes D B
202480314 [Redacted] [Redacted] 4630580 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-11-20): Property inspected xx/xx/xxxx after the Hurricane
 11/20/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480314 [Redacted] [Redacted] 4630602 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   774.96% payment shock > 300 %maximum allowed Portfolio Select Bank Statement program.  Lender's 855.9% > 300%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Compensating factors: DTI, Residual Income and Stable employment. Guideline variance approved by lender at time of origination Reviewer Comment (2017-10-31): Credit Risk Summary & Exception approval p6
       10/31/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480314 [Redacted] [Redacted] 4630690 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $129,925.00 in total closing costs paid by Seller per Seller's CD not reflected on Consumer's CD.             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202480314 [Redacted] [Redacted] 4675906 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 6.93 months < 12 months required payment shock (774.96%)  > 250% under Portfolio Select Bank Statement program.   Lender's 6 months calculation < 12 months.   Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Compensating factors: DTI, Residual Income and Stable employment. Guideline variance approved by lender at time of origination Reviewer Comment (2017-10-31): Credit Risk Summary & Exception approval  p6
       10/31/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480314 [Redacted] [Redacted] 4676006 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Ineligible property type. ___ $10,000.00 deferred maintenance cost to cure > $2,000.00 maximum allowed under Portfolio Select.  Per as-is appraisal report (p 732), estimate cost to cure for damage to dock, lift and electric.  Repair estimate $18,830.00 per estimate in file (p 782) Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Compensating factors: DTI, Residual Income and Stable employment. Guideline variance approved by lender at time of origination Reviewer Comment (2017-10-31): Credit Risk Summary & Exception approval  p6
       10/31/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480314 [Redacted] [Redacted] 4676204 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   24 months statements not from same account required under Portfolio Select Bank Statement program. Business bank statements not from same account. xxxxxxxx
- 7 NSF's recent 12 months and 15 13 to 24 months not reviewed for acceptability		 Residual income on bank statement loan $30,600 Reviewer Comment (2017-11-22): Received Credit Risk Summary & Exception approval for NSF's


Reviewer Comment (2017-11-20): Separate accounts ok, as borrowers closed out one and opened another, there are not 2 banks for same month, looking for NSF explanation.
       11/22/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480314 [Redacted] [Redacted] 4676211 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Missing Document: Credit Letter of Explanation (LOE) not provided   - Missing explanation from the borrower to determine acceptability of the income required under Portfolio Select Bank Statement program.  $78,723.67 income calculated is significantly higher than $50,000.00 income stated on the 1003. Loan file contains only Processor's letter in file (p 564) regarding difference in income   Reviewer Comment (2017-11-20): Received amended 1008 using income borrower used at time of application
 11/20/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480315 [Redacted] [Redacted] 4629682 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: xx/xx/xxxx   70% LTV, 5% below program max.  Reserves 3 months; 0 required for program.  Current owns 14 investment properties.  No late payments in over 5 years. Reviewer Comment (2018-01-17): Rec'd exception for property does not meet square footage.
       01/17/2018 2 [Redacted] FL Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202480316 [Redacted] [Redacted] 4628647 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: 0xx/xx/xxxx   68.8% LTV Reviewer Comment (2017-11-09): Received Credit Risk Summary & Exception Approval. Property sq.ft. < minimum allowed. Compensating Factors: 1) Additional Down Payment. 2) LTV.
       11/09/2017 2 [Redacted] FL Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202480316 [Redacted] [Redacted] 4628877 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C B
202480318 [Redacted] [Redacted] 4634318 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480318 [Redacted] [Redacted] 4703105 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-06): Received
 11/06/2017       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480318 [Redacted] [Redacted] 4703629 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 45.36% > 45% Portfolio Select Bank Statement program.  Lender's DTI 45.04% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit score, Credit history, Stable employment history Guideline variance approved by lender at time of origination Reviewer Comment (2017-10-31): Credit Risk Summary & Exception approval p7
       10/31/2017 2 [Redacted] AZ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480319 [Redacted] [Redacted] 4635784 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 1.14 months < 6 months Portfolio Select Investment program.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Residual income and Other (reducing the overall debt by $700.00) Guideline variance approved by lender at time of origination. Reviewer Comment (2017-10-28): Credit Risk Summary & Exception approval P9
       10/28/2017 2 [Redacted] FL Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A N/A No C B
202480319 [Redacted] [Redacted] 4635887 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C B
202480320 [Redacted] [Redacted] 4639050 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-10-30): Catastrophic Disaster Area Property Inspection Report dated xx/xx/xxxx in file, page 337.
 10/30/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480320 [Redacted] [Redacted] 4639103 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Loan is to go in a securitization and reflects only one origination valuation product when two are required   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480320 [Redacted] [Redacted] 4639494 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Loan file does not contain evidence of borrower's consent to receive electronic disclosures.             2 [Redacted] FL Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202480320 [Redacted] [Redacted] 4639498 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $300.00 difference.  Consumer CD discloses higher $9,900.00 RE Buyer Commission and $9,900.00 RE Seller Commission vs. lower  $9,750.00 RE Buyer Commission and $9,750.00 RE Seller Commission fee amounts paid by Seller at closing             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480320 [Redacted] [Redacted] 4674243 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 24. DTI > maximum allowed. Compensating Factors: Credit score, Credit history and DTI. //// Exception not allowed on DTI over 50% Housing Ratio 20.016% Reviewer Comment (2017-11-08): Recaluated as business bank statements are allowed all deposits. Credit Risk Summary & Exception approval  in file at time of submission p24
       11/08/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480320 [Redacted] [Redacted] 4674271 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.88990% or Final Disclosure APR of 7.90600% is in excess of allowable threshold of APOR 3.97% + 1.5%, or 5.47000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-08): Recalculated income, business bank statements are allowed all deposits per G/L
 11/08/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480320 [Redacted] [Redacted] 4674272 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum   Reviewer Comment (2017-11-08): Recalculated income, business bank statements are allowed all deposits per G/L
 11/08/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480320 [Redacted] [Redacted] 4674273 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2017-11-08): Recalculated income, business bank statements are allowed all deposits per G/L
 11/08/2017       1 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202480320 [Redacted] [Redacted] 4674274 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2017-11-08): Recalculated income, business bank statements are allowed all deposits per G/L
 11/08/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480321 [Redacted] [Redacted] 4634527 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.       Reviewer Comment (2017-12-11): Received CD for sale of xxxx


Reviewer Comment (2017-10-31): Missing Closing Statement from sale of Previous Residence
 12/11/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480321 [Redacted] [Redacted] 4634535 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Proof of sale of previous residence not in file.  Only purchase agreement found in file for sale of previous residence.  Debt includes previous residence mortgage.   Reviewer Comment (2017-12-11): Received CD for sale of xxxx
 12/11/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480321 [Redacted] [Redacted] 4634541 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480321 [Redacted] [Redacted] 4634557 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.       Reviewer Comment (2017-12-11): Received CD for sale of xxxx
 12/11/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480321 [Redacted] [Redacted] 4634563 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2017-12-11): Received CD for sale of xxxx
 12/11/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480321 [Redacted] [Redacted] 4634565 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Risk. Update...Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor   Reviewer Comment (2017-12-28): Received updated data tape with restated loan designation
 12/28/2017       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202480321 [Redacted] [Redacted] 4634566 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.     Reviewer Comment (2017-12-11): Received CD for sale of xxxx
 12/11/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480321 [Redacted] [Redacted] 4634567 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Closing Disclosure Total Closing Costs Exceeds Limits Amount TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on xx/xx/xxxx disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Initial/xx/xx/xxxx)               2 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202480321 [Redacted] [Redacted] 4634569 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/0xx/xx/xxxx)     Reviewer Comment (2017-12-11): Received tracking tool showing delivery date
 12/11/2017       1 [Redacted] GA Primary Purchase No Defined Cure C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202480321 [Redacted] [Redacted] 4634570 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-11): Received LOE and revised CD (dated xx/xx/xxxx), but number of months not entered in Section F for property taxes collected.
         2 [Redacted] GA Primary Purchase   B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202480321 [Redacted] [Redacted] 4634571 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $560.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           10/24/2017   1 [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A A A Higher Priced QM Safe Harbor QM Yes C B
202480321 [Redacted] [Redacted] 4707981 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___.   19.5 months reserves > 6 months guideline minimum - borrowers have verified reserves of $62,259.24

$3,569.09 Residual Income		 Reviewer Comment (2017-12-11): Received Credit Risk Summary & Exception Approval. Housing Ratio exceeds program guidelines. Compensating Factors: 1) Credit Score. 2) Reserves. 3) Residual Income.
       12/11/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Higher Priced QM Safe Harbor QM No C B
202480321 [Redacted] [Redacted] 5239840 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.               2 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202480323 [Redacted] [Redacted] 4637637 [Redacted] [Redacted] Credit Credit Credit Documentation Credit No evidence of fraud report in file Credit Report: Original // Borrower: xxxxx     Reviewer Comment (2017-11-06): Received
 11/06/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A N/A No C A
202480323 [Redacted] [Redacted] 4702457 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Additional/0xx/xx/xxxx) Valuation Received Date xx/xx/xxxx < xx/xx/xxxx Valuation Report Date   Reviewer Comment (2017-11-06): Borrower signed acknowledgment at closing
 11/06/2017       1 [Redacted] FL Investment Refinance - Rate/Term   B A B A B A B A B A N/A N/A No C A
202480323 [Redacted] [Redacted] 4702458 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Additional/0xx/xx/xxxx) Valuation Received Date xx/xx/xxxx < xx/xx/xxxx Valuation Report Date   Reviewer Comment (2017-11-06): Borrower signed acknowledgment at closing
 11/06/2017       1 [Redacted] FL Investment Refinance - Rate/Term   B A B A B A B A B A N/A N/A No C A
202480324 [Redacted] [Redacted] 4640596 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Borrower is short 6 months required reserves, but meets lender exception policy based on compensating factors of: Low DTI and High Residual Income. 41.44% DTI on this Full documentation loan < 45% guideline max - 3.56% below program guideline maximum

Borrower on this Full documentation loan has a disposable income of $36,350.48 > $2,450.00 minimum required.		 Reviewer Comment (2017-10-30): Lender exception approval provided.
       10/30/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480324 [Redacted] [Redacted] 4640624 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   CA Wildfires; Disaster inspection report not provided.   Reviewer Comment (2017-11-06): Received ClearCapital Post Disaster Inspection dated xx/xx/xxxx
 11/06/2017       1 [Redacted] CA Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202480324 [Redacted] [Redacted] 4640810 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.   Reviewer Comment (2017-11-06): Received
 11/06/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480324 [Redacted] [Redacted] 4704015 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $94,777.05 while closing CD seller's fees total $95,560.55.             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202480325 [Redacted] [Redacted] 4638545 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received
 03/01/2018       1 [Redacted] MN Investment Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A N/A N/A No C C
202480325 [Redacted] [Redacted] 4641296 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 6.97440% or Final Disclosure APR of 7.11100% is in excess of allowable threshold of USTreasury 2.7800% + 3%, or 5.78000%.  Compliant Subprime Loan.               2 [Redacted] MN Investment Refinance - Cash-out - Debt Consolidation   B B B B B B B B B B N/A N/A No C C
202480325 [Redacted] [Redacted] 5747184 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Desk Review value is less than Appraised value by at least 10%.   Per CDA             3 [Redacted] MN Investment Refinance - Cash-out - Debt Consolidation     C   C   C   C   C N/A N/A No C C
202480326 [Redacted] [Redacted] 4639546 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-10-27): Appraisal Update and/or Compliance Report dated xx/xx/xxxx in file, page 425.
 10/27/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480326 [Redacted] [Redacted] 4639578 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480326 [Redacted] [Redacted] 4639848 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480326 [Redacted] [Redacted] 4669612 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-30): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
     11/30/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480326 [Redacted] [Redacted] 4669613 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) Change of Circumstance documents dated 0xx/xx/xxxx and 0xx/xx/xxxx do not indicate reason for charge.   Reviewer Comment (2017-11-08): Entered Change of Circumstance data - see new exception, not cleared.
 11/08/2017       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202480326 [Redacted] [Redacted] 4685900 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Seller's Fee to xxxxxl in Section C should be in Section H.   Reviewer Comment (2017-11-08): Rec'd LOE, corrected CD and evidence of emailing.
     11/08/2017   2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202480326 [Redacted] [Redacted] 4770973 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7552)     Reviewer Comment (2017-11-30): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.


Reviewer Comment (2017-11-08): The addition of the $300 reinspection fee was done with time to allow for an LE to be reissued.  Due to being outside of 7 days from closing the fee is testing in tolerance and the borrower is due a refund
     11/30/2017   2 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD   B   B   B   B   B Non QM Non QM Yes C B
202480327 [Redacted] [Redacted] 4637196 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202480328 [Redacted] [Redacted] 4651112 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480328 [Redacted] [Redacted] 4651233 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-07): Received
 11/07/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480328 [Redacted] [Redacted] 4651239 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/0xx/xx/xxxx) $25,241.54 > $25,217.54   Reviewer Comment (2017-11-08): Rec'd LOE, corrected CD and evidence of emailing.
     11/08/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202480329 [Redacted] [Redacted] 4704609 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 04 (# months) field is blank.   $3,500.00 in Property Taxes paid by Seller at closing disclosed             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480329 [Redacted] [Redacted] 4704610 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $3,350.00 net difference.   Seller's CD discloses $150.00 higher RE Commission fee.  Consumer discloses a $3,500.00 in Property Taxes paid by Seller at closing.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480329 [Redacted] [Redacted] 4704758 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing VVOE, borrower states he is a Partner, Good Search provided showing partner if > 25% ownership of business - business Tax returns will be required.   Reviewer Comment (2017-11-15): Personal Bank Statements were used.
 11/15/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480329 [Redacted] [Redacted] 4704845 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-11-30): Property seen by appraiser xx/xx/xxxx after hurricane
 11/30/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480329 [Redacted] [Redacted] 4704854 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $11,093.55 exceeds tolerance of $11,091.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Final Closing Disclosure reflects $2.19 Lender credit for tolerance. $2.19 < $2.55 tolerance         10/30/2017   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202480329 [Redacted] [Redacted] 4713474 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Co-Borrower

- 24 months statements are not from one account under Portfolio Select Bank Statement program.  13 months xxxx  statements provided xxxx- xxxx.  10 months xxxx statements provided xxx- xxx.  Exception not acknowledged by Lender.

Missing xxxx xxxxx statement to complete 24 months.		   Reviewer Comment (2017-11-27): Received xxxxxx statement dated xx/xx/xxxx.


Reviewer Comment (2017-11-15): Borrowers changed banks, accepting 2 different bank accounts, missing  Missing xx/xx/xxxx xxxxxxBank #xxxx statement to complete 24 months
 11/27/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480329 [Redacted] [Redacted] 4943683 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Reran Compliance. Amount should be $2.55.   Reviewer Comment (2017-12-05): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
     12/05/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure   B   B   B   B   B Non QM Non QM Yes C B
202480329 [Redacted] [Redacted] 4943684 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $11,093.55 exceeds tolerance of $11,091.00.  Insufficient or no cure was provided to the borrower. (8304) Reran Compliance. $2.55 difference, credit on CD dated 0xx/xx/xxxx is only $2.19   Reviewer Comment (2017-12-05): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
     12/05/2017   2 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD   B   B   B   B   B Non QM Non QM Yes C B
202480330 [Redacted] [Redacted] 4639008 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480330 [Redacted] [Redacted] 4639085 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-03): Received
 11/03/2017       1 [Redacted] MI Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480330 [Redacted] [Redacted] 4710960 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 46.34% > 45% Non-prime program.  Lender's DTI 44.44%.  Borrower paid hourly.   YTD pay stub indicates varied total hours each pay period.    Lender's DTI based on a higher $4,113.00  YTD average vs YTD+ prior and prior years average which are more in line.    Review based on $32,950.94 average of YTD and 2016 earnings. $2,119.82 Residual Income Reviewer Comment (2017-11-03): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Credit History. 2) Residual Income.
       11/03/2017 2 [Redacted] MI Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480330 [Redacted] [Redacted] 4711193 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.21450% or Final Disclosure APR of 8.22000% is in excess of allowable threshold of APOR 3.73% + 1.5%, or 5.23000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-03): Received Exception approval for DTI.
 11/03/2017       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480330 [Redacted] [Redacted] 4711194 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum   Reviewer Comment (2017-11-03): Received Exception approval for DTI.
 11/03/2017       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480330 [Redacted] [Redacted] 4711195 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2017-11-03): Received Exception approval for DTI.
 11/03/2017       1 [Redacted] MI Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202480330 [Redacted] [Redacted] 4711196 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2017-11-03): Received Exception approval for DTI.
 11/03/2017       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480331 [Redacted] [Redacted] 4649820 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480331 [Redacted] [Redacted] 4650318 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $21,735.50 in total closing costs paid by Seller per Seller's CD not reflected on Consumer's CD.   Reviewer Comment (2017-11-06): Rec'd LOE, corrected CD and evidence of emailing.
     11/06/2017   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202480332 [Redacted] [Redacted] 4649347 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480332 [Redacted] [Redacted] 4649621 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] IN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480332 [Redacted] [Redacted] 4649627 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 0xx/xx/xxxx disclosed a negative fee amount. (Final/0xx/xx/xxxx) Section C of Seller's CD discloses a -$100.00 credit to Seller at closing for Title - IDOI rebate to xxx             2 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480332 [Redacted] [Redacted] 4712844 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/0xx/xx/xxxx) $100.00 difference.   Section C of Seller's CD discloses a -$100.00 credit to Seller at closing for Title - IDOI rebate to xxx             2 [Redacted] IN Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202480332 [Redacted] [Redacted] 4713314 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___.   31.302% DTI on this Full documentation loan < 45% guideline max

30.3 months reserves > 6 months guideline minimum - borrowers have verified reserves of $47,019.58

Borrower on this Full documentation loan has a disposable income of $6,325.32		 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception Approval. Credit Score < program requirements. Compensating Factors: 1) DTI. 2) Reserves. 3) Residual Income.
       11/08/2017 2 [Redacted] IN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480333 [Redacted] [Redacted] 4642775 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202480333 [Redacted] [Redacted] 4643177 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Closing Disclosure Issue Date xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx Closing Date Less 6)   Reviewer Comment (2017-11-14): Updated input
 11/14/2017       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C A
202480333 [Redacted] [Redacted] 4643267 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,936.00 exceeds tolerance of $1,824.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Difference of $112 Transfer Tax Fee was paid by the seller at closing.         10/24/2017   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202480333 [Redacted] [Redacted] 4643322 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202480334 [Redacted] [Redacted] 4641563 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Loan Payoff Statement not provided       Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Higher Priced QM No C A
202480334 [Redacted] [Redacted] 4642930 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Higher Priced QM No C A
202480334 [Redacted] [Redacted] 4643064 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-08): Received Change of Circumstance document dated xx/xx/xxxx
 11/08/2017       1 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Higher Priced QM Higher Priced QM Yes C A
202480334 [Redacted] [Redacted] 4643068 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $1,950.00 exceeds tolerance of $1,800.00.  Insufficient or no cure was provided to the borrower. (7325) Fee disclosed as $1,800.00 on Loan Estimate dated xxx, but disclosed as $1,950.00 on Final Closing Disclosure. Valid Change of Circumstance is in file (p 399)   Reviewer Comment (2017-11-08): Received Change of Circumstance document dated xx/xx/xxxx
 11/08/2017       1 [Redacted] GA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Higher Priced QM Higher Priced QM Yes C A
202480334 [Redacted] [Redacted] 4643069 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $390.00 exceeds tolerance of $360.00.  Insufficient or no cure was provided to the borrower. (8304) Fee disclosed as $360.00 on Loan Estimate dated xxx, but disclosed as $390.00 on Final Closing Disclosure.Final Closing Disclosure reflects $34.80 Lender credit for tolerance.   Reviewer Comment (2017-11-08): Received Change of Circumstance document dated xx/xx/xxxx


Buyer Comment (2017-11-07): 34.80 lender credit is enough to cover $30.00 overage.
 11/08/2017       1 [Redacted] GA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Higher Priced QM Higher Priced QM Yes C A
202480334 [Redacted] [Redacted] 4768527 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $390.00 exceeds tolerance of $360.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Revised upon receipt of Change of Circumstance document dated 0xx/xx/xxxx         11/08/2017   1 [Redacted] GA Primary Refinance - Rate/Term Final CD evidences Cure   A   A   A   A   A Higher Priced QM Higher Priced QM Yes C A
202480335 [Redacted] [Redacted] 4688715 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Other Income - Not to be used for qualifying Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (xxxxxx) 24 months business bank statements and third party prepared Expense Statement specifying the business expenses as a percent of the gross annual revenue used to support business income to qualify   Reviewer Comment (2017-11-22): Received Amended Data Tape changing from HPQM to Non-QM


Reviewer Comment (2017-11-09): Received Blank Credit Risk Summary & Exception form no exceptions noted
 11/22/2017       1 [Redacted] LA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480335 [Redacted] [Redacted] 4688717 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. Non-QM due to 24 months business bank statements and third party prepared Expense Statement specifying the business expenses as a percent of the gross annual revenue used to support business income to qualify   Reviewer Comment (2017-11-22): Received Amended Data Tape changing from HPQM to Non-QM


Reviewer Comment (2017-11-09): Received Blank Credit Risk Summary & Exception form no exceptions noted
 11/22/2017       1 [Redacted] LA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202480335 [Redacted] [Redacted] 4688720 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Additional/xx/xx/xxxx) Valuation Received Date xx/xx/xxxx < xx/xx/xxxx Valuation Report Date             2 [Redacted] LA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202480335 [Redacted] [Redacted] 4688725 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.17227% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxx on a Federal Total Loan Amount of $xxx vs. an allowable total of $xxx (an overage of $327.77 or .17227%).     Reviewer Comment (2017-11-22): Received Amended Data Tape changing from HPQM to Non-QM


Buyer Comment (2017-11-14): the qm designation changed


Reviewer Comment (2017-11-09): Received Blank Credit Risk Summary & Exception form no exceptions noted
 11/22/2017       1 [Redacted] LA Primary Purchase If a creditor or assignee determines after consummation that the total points and fees exceeds the 3% limit, but the loan meets the other requirements to be a QM, the excess amount can be refunded with the following conditions:
1) The refund is made within 210 days of consummation;
2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
3) The loan is not 60 days delinquent;
4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments).
The lender will also be required to provide a copy of the refund check and proof of delivery.		 C A C A C A C A C A Non QM Non QM Yes C B
202480336 [Redacted] [Redacted] 4644126 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-10-30): Appraisal Update and/or Completion Report dated xx/xx/xxxx in file, page 365.
 10/30/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480336 [Redacted] [Redacted] 4644190 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480336 [Redacted] [Redacted] 4644235 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx)     Reviewer Comment (2017-11-08): Received earlier eConsent


Reviewer Comment (2017-11-03): LE electronically signed xxx. Earliest evidence of eConsent in file is xx/xx/xxxx.


Buyer Comment (2017-11-01): The xx/xx/xxxx LE was mailed to borrower as well as emailed.
 11/08/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480336 [Redacted] [Redacted] 4671044 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Credit Risk Summary & Exception Approval in file, page 9. Income Documentation < required. w2's wages not file on 2016 tax returns. Compensating Factors: DTI and Reserves. 29.5204% DTI on this Full documentation loan < 45% guideline max Reviewer Comment (2017-10-30): Compensating Factors: DTI and Reserves.
       10/30/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480336 [Redacted] [Redacted] 4700083 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Final 1003 shows $xxx in spouses xxx #xxx account. But statement shows only $xxx in the account. 29.5204% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $20,008.64		 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Reserves.
       11/08/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480337 [Redacted] [Redacted] 4647871 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NJ Investment Purchase   C A C A C A C A C A N/A N/A No C A
202480338 [Redacted] [Redacted] 4652006 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $465.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507) Sufficient cure provided.         10/25/2017   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes A A
202480339 [Redacted] [Redacted] 4649011 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202480340 [Redacted] [Redacted] 4661966 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-10-30): Appraisal Update and/or Completion Report in file dated xx/xx/xxxx.
 10/30/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480340 [Redacted] [Redacted] 4661992 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480340 [Redacted] [Redacted] 4702479 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided   Missing Fraud report for both Borrowers.   Reviewer Comment (2017-11-09): Received
 11/09/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480340 [Redacted] [Redacted] 4702495 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.   Residual income at $4798 Reviewer Comment (2017-11-15): Received Credit Risk Summary & Exception approval xx/xx/xxxx


Reviewer Comment (2017-11-09): Received Blank Exception approval form, no exceptions noted
       11/15/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480340 [Redacted] [Redacted] 4702525 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $240.00 + $34.64   Reviewer Comment (2017-11-08): Closing agent fees disclosed in Section C of LE but in Section B of CD. Also, agent is on Service Provider List.
 11/08/2017       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202480340 [Redacted] [Redacted] 4702526 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $384.64 exceeds tolerance of $350.00.  Insufficient or no cure was provided to the borrower. (7564)     Reviewer Comment (2017-11-08): Closing agent fees disclosed in Section C of LE but in Section B of CD. Also, agent is on Service Provider List.
 11/08/2017       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202480340 [Redacted] [Redacted] 4702528 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $1,340.00 exceeds tolerance of $1,100.00.  Insufficient or no cure was provided to the borrower. (7567)     Reviewer Comment (2017-11-08): Closing agent fees disclosed in Section C of LE but in Section B of CD. Also, agent is on Service Provider List.
 11/08/2017       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202480341 [Redacted] [Redacted] 4656318 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480341 [Redacted] [Redacted] 4656319 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-14): Received
 11/14/2017       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480341 [Redacted] [Redacted] 4656320 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-22): Received LE and CofC dated xx/xx/xxxx.
 11/22/2017       1 [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202480341 [Redacted] [Redacted] 4656321 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx)               2 [Redacted] IL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202480341 [Redacted] [Redacted] 4656322 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,938.50 exceeds tolerance of $864.00 plus 10% or $950.40.  Insufficient or no cure was provided to the borrower. (0)     Reviewer Comment (2017-11-22): Received LE and CofC dated xx/xx/xxxx.


Reviewer Comment (2017-11-14): Missing Closing Disclosure to go with xx/xx/xxxx Change of Circumstance document.


Buyer Comment (2017-11-14): borrower requested discount points see disclosure tracking reasons 9/20
 11/22/2017       1 [Redacted] IL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202480342 [Redacted] [Redacted] 4661715 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the Note Date.   xx/xx/xxxx effective date is after xx/xx/xxxx loan disbursement date   Reviewer Comment (2017-11-22): Evidence of insurance dated xx/xx/xxxx has correct dates.
 11/22/2017       1 [Redacted] NJ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480342 [Redacted] [Redacted] 4661716 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NJ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480342 [Redacted] [Redacted] 4661903 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] NJ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480342 [Redacted] [Redacted] 4661910 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/0xx/xx/xxxx) Section F., Line 04 (# months) field is blank.   Reviewer Comment (2017-11-22): Rec'd LOE, corrected CD and evidence of emailing.
     11/22/2017   2 [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480342 [Redacted] [Redacted] 4686801 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/0xx/xx/xxxx) $4069.96 difference. $105.00 Courier, $201.96 Water/Sewer and $100.00 increase amount Real Estate Commission fee not reflected on the Seller's CD   Reviewer Comment (2017-11-22): Rec'd LOE, corrected CD and evidence of emailing.
     11/22/2017   2 [Redacted] NJ Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202480342 [Redacted] [Redacted] 4714476 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing 3rd party Verification of Employment within 10 days of closing Residual income on Bank statement loan $43,250 Reviewer Comment (2017-11-22): Received 3rd part VVOE outside 10 days  of Note date.
       11/22/2017 2 [Redacted] NJ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480343 [Redacted] [Redacted] 4659276 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] WI Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202480344 [Redacted] [Redacted] 4658204 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480344 [Redacted] [Redacted] 4658526 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202480344 [Redacted] [Redacted] 4677113 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   24 months statements not from one account.. 1xxxxxxxxxxxxxxxxxxxx 39.00% DTI on this Bank Statement documentation loan < 45% guideline max

$6,710.86 Residual Income on a Bank Statement documentation loan		 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception Approval. Alternative income calculation used. Compensating Factors: 1) Credit History. 2) DTI. 3) Residual Income.
       11/08/2017 2 [Redacted] IL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480345 [Redacted] [Redacted] 4664720 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		     Reviewer Comment (2017-11-30): Subject inspected interior and exterior via appraiser xx/xx/xxxx, no damages noted by appraiser
 11/30/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480345 [Redacted] [Redacted] 4664737 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480345 [Redacted] [Redacted] 4665154 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.   $8,691.29 in property taxes paid by Seller at closing disclosed   Reviewer Comment (2017-11-07): Rec'd LOE, corrected CD and evidence of emailing.
     11/07/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480345 [Redacted] [Redacted] 4683855 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing signed corrected final 1003.  Section III (Borrower Information) to reflect present address xxxxx   Reviewer Comment (2017-12-11): Received corrected page 1
 12/11/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480345 [Redacted] [Redacted] 4684373 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-07): Rec'd LOE, corrected CD and evidence of emailing.
     11/07/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202480346 [Redacted] [Redacted] 4662335 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-11-15): Received
 11/15/2017       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480346 [Redacted] [Redacted] 4662351 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $84,409.81 < $268,763.59   Reviewer Comment (2017-11-30): Received Wire and Closing statement for sale of previous property


Reviewer Comment (2017-11-15): Received wire documentation showing $261,482.19 sent to xxx. No Closing Disclosure/Settlement statement provided to show source of funds.
 11/30/2017       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480346 [Redacted] [Redacted] 4662575 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Other Income - Not to be used for qualifying Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (xxxxx) 24-months personal bank statements used to support Borrowers qualifying income.   Reviewer Comment (2017-11-30): Received Amended Data Tape changing to Non-QM - due to Bank Statement loan
 11/30/2017       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480346 [Redacted] [Redacted] 4662581 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.45455% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $4,970.00 on a Federal Total Loan Amount of $xxx vs. an allowable total of $4,316.04 (an overage of $653.96 or .45455%).     Reviewer Comment (2017-11-30): Received Amended Data Tape changing to Non-QM - due to Bank Statement loan
 11/30/2017       1 [Redacted] TN Primary Purchase If a creditor or assignee determines after consummation that the total points and fees exceeds the 3% limit, but the loan meets the other requirements to be a QM, the excess amount can be refunded with the following conditions:
1) The refund is made within 210 days of consummation;
2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;
3) The loan is not 60 days delinquent;
4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments).
The lender will also be required to provide a copy of the refund check and proof of delivery.		 C A C A C A C A C A Non QM Non QM Yes C B
202480346 [Redacted] [Redacted] 4662595 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. Non QM due to 24-months personal bank statements used to support Borrowers qualifying income not permitted for use under Appendix Q   Reviewer Comment (2017-11-30): Received Amended Data Tape changing to Non-QM - due to Bank Statement loan
 11/30/2017       1 [Redacted] TN Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202480346 [Redacted] [Redacted] 4662610 [Redacted] [Redacted] Credit Credit Credit Documentation Credit No evidence of fraud report in file Credit Report: Original // Borrower: xxxxxx     Reviewer Comment (2017-11-15): Received Fraud Report.
 11/15/2017       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480346 [Redacted] [Redacted] 4698731 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing copy of signed statement confirming sale xxxx and net proceeds to Borrower.  Proof of receipt, deposit or funds wired directly title not in file.   Reviewer Comment (2017-11-30): Received Wire and Closing statement for sale of previous property


Reviewer Comment (2017-11-15): Received proof of funds, missing copy of signed statement from sale.
 11/30/2017       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480346 [Redacted] [Redacted] 4698770 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing verification 6 months ($7,432.14) PITI reserves under Portfolio Select Bank Statement program.   Reviewer Comment (2017-11-30): Received Wire and Closing statement for sale of previous property
 11/30/2017       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202480346 [Redacted] [Redacted] 4715056 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Within 10 days of closing DTI 32%

Borrower on this Alt documentation loan has a disposable income of $4506		 Reviewer Comment (2017-11-15): Received printout showing current existence of LLC, outside 10 days of closing - Received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/15/2017 2 [Redacted] TN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202480347 [Redacted] [Redacted] 4671394 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-07): Received disclosure
 11/07/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202480347 [Redacted] [Redacted] 4671666 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202480347 [Redacted] [Redacted] 4711942 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		 Appraisal Report dated xx/xx/xxxx in file.  Re-inspection not provided.   Reviewer Comment (2017-11-07): Appraisal done post disaster but prior to FEMA declaring an end date
 11/07/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202500638 [Redacted] [Redacted] 4670460 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $600.00 exceeds tolerance of $495.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           10/26/2017   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Safe Harbor QM Yes C B
202500638 [Redacted] [Redacted] 4724433 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Safe Harbor QM No C B
202500638 [Redacted] [Redacted] 5862869 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated tape date with designation of QM Safe Harbor             2 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Non QM Safe Harbor QM Yes C B
202500639 [Redacted] [Redacted] 4668881 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500639 [Redacted] [Redacted] 4669065 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-23): Received
 11/23/2017       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500639 [Redacted] [Redacted] 4669069 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-23): Rec'd LOE, corrected CD and evidence of emailing.
     11/23/2017   2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202500639 [Redacted] [Redacted] 4669071 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-23): Rec'd LOE, corrected CD and evidence of emailing.
     11/23/2017   2 [Redacted] AZ Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202500639 [Redacted] [Redacted] 4716330 [Redacted] [Redacted] Credit Property - Appraisal General Appraisal Requirements Property - Appraisal Appraiser did not analyze the purchase contract Valuation Type: Appraisal / Valuation Report Date: xxxxx   Borrower on this  Full documentation loan has a disposable income of $15,000 Reviewer Comment (2017-12-20): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       12/20/2017 2 [Redacted] AZ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500639 [Redacted] [Redacted] 4716339 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Appraiser did not analyze purchase contract.             2 [Redacted] AZ Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202500639 [Redacted] [Redacted] 4716352 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA fees were listed in section C instead of section H.   Reviewer Comment (2017-11-23): Rec'd LOE, corrected CD and evidence of emailing.
     11/23/2017   2 [Redacted] AZ Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202500641 [Redacted] [Redacted] 4671405 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500641 [Redacted] [Redacted] 4671772 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202500641 [Redacted] [Redacted] 4718765 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.   Reviewer Comment (2017-11-08): received
 11/08/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500641 [Redacted] [Redacted] 4719384 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Payment shock of 328.69% exceeds max allowed of 300%; PITIA on retained property calculated from pay history and mortgage statements in file.  Lender included taxes and insurance in P&I payment causing T&I to be duplicated and increasing prior housing expense.
No lender exception approval provided.		 Mortgage payment history is 0x30x36.

Borrower has employment stability for 12 years as a self-employed xxx.		 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/08/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500641 [Redacted] [Redacted] 4719394 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing verification of HOA payment stated on 1003 for retained property at xxxxxx   Reviewer Comment (2017-11-08): received


Buyer Comment (2017-11-08): $85 monthly
 11/08/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500641 [Redacted] [Redacted] 4719495 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. LTV of 90% exceeds 85% guideline max, but meets lender exception policy based on compensating factors of DTI, housing payment history and stable employment history. 35.7834% DTI on this 24 months personal bank statement documentation loan < 45% guideline max - 9.2166% below program guideline maximum

Mortgage payment history is 0x30x36.

Borrower has employment stability for 12 years as a self-employed xxxx.		 Reviewer Comment (2017-11-01): Lender exception approval provided.
       11/01/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500641 [Redacted] [Redacted] 4719503 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Loan does not meet 12 month reserve requirement for loans with payment shock greater than 250%.  No lender exception approval provided. Mortgage payment history is 0x30x36.

Borrower has employment stability for 12 years as a self-employed xxx.		 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/08/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500642 [Redacted] [Redacted] 4672186 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202500642 [Redacted] [Redacted] 4672799 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-11-09): Received
 11/09/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C A
202500643 [Redacted] [Redacted] 4673145 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500643 [Redacted] [Redacted] 4673325 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500643 [Redacted] [Redacted] 4673326 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker Contact Name field is blank   Reviewer Comment (2017-11-22): Rec'd LOE, corrected CD and evidence of emailing.
     11/22/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202500643 [Redacted] [Redacted] 4673328 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $5,600.00 Transfer Tax fee not reflected on the consumer's CD   Reviewer Comment (2017-11-22): Rec'd LOE, corrected CD and evidence of emailing.
     11/22/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202500643 [Redacted] [Redacted] 4722233 [Redacted] [Redacted] Credit Flood Insurance Insufficient Coverage Flood Insurance The Flood Insurance Policy effective date is after the Note Date. Flood Insurance Policy Effective Date ___, Note Date ___ Updated flood insurance application date xx/xx/xxxx shows policy effective xx/xx/xxxx through xx/xx/xxxx.   Reviewer Comment (2017-11-17): Disbursement date
 11/17/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500644 [Redacted] [Redacted] 4668715 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level Michigan CMPA Home Loan Toolkit Status Michigan Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower.               2 [Redacted] MI Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202500644 [Redacted] [Redacted] 4668716 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] MI Primary Refinance - Cash-out - Other No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202500644 [Redacted] [Redacted] 4668717 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Insurance Prepaid Other 1 Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Insurance Prepaid - Other under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank. $167.47 Insurance Premium paid by Borrower at closing   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] MI Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202500644 [Redacted] [Redacted] 4668911 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MI Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202500644 [Redacted] [Redacted] 4724896 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/0xx/xx/xxxx)               2 [Redacted] MI Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202500645 [Redacted] [Redacted] 4672681 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500645 [Redacted] [Redacted] 4673159 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): received
 11/08/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500645 [Redacted] [Redacted] 4719874 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $12,964.69 while closing CD seller's fees total $14,500.20.   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202500645 [Redacted] [Redacted] 4719990 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Approval not provided   Lender approval not provided.   Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500646 [Redacted] [Redacted] 4671541 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500646 [Redacted] [Redacted] 4720129 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $100.00 difference.  Seller's CD discloses a -$100.00 credit to Seller for Estoppel Fee from xxx             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202500646 [Redacted] [Redacted] 4720270 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Missing copy of check or bank statement (direct deposit) documenting receipt ofxxxxx distribution as per letter date x/xx/xxxx.  (p 158) $4,197.73 Residual Income on a Full Doc loan. Reviewer Comment (2017-11-10): Received Credit Risk Summary & Exception Approval. Income Documentation < required. Compensating Factors: 1) LTV. 2) Residual Income.
       11/10/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500646 [Redacted] [Redacted] 4733228 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property Tax paid by Borrower shown in Section C should be in Section F (including number of months collected)             2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202500646 [Redacted] [Redacted] 4733342 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500647 [Redacted] [Redacted] 4680133 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Approval not provided       Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500647 [Redacted] [Redacted] 4680140 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500647 [Redacted] [Redacted] 4680516 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 0xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. (Interim/0xx/xx/xxxx) Verification of Borrower's receipt of the Loan Estimate issued on 0xx/xx/xxxx was not found in the loan file.   Reviewer Comment (2017-12-14): Rec'd LE signed by borrowers xx/xx/xxxx
 12/14/2017       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202500647 [Redacted] [Redacted] 4680517 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Seller CD not provided.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202500647 [Redacted] [Redacted] 4722263 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI exceeds guideline max of 45%; Lender exception approval was not provided. Borrower on this Bank Statement documentation loan has a disposable income of $6,536.07 Reviewer Comment (2017-11-22): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Credit History. 2) Residual Income.
       11/22/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500647 [Redacted] [Redacted] 4722270 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.98990% or Final Disclosure APR of 7.99900% is in excess of allowable threshold of APOR 3.94% + 1.5%, or 5.44000%.  Non-Compliant Higher Priced Mortgage Loan. DTI exceeds guideline max; Lender exception approval not provided.   Reviewer Comment (2017-11-22): Received exception approval for DTI
 11/22/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500647 [Redacted] [Redacted] 4722271 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI exceeds guideline max; Lender exception approval not provided.   Reviewer Comment (2017-11-22): Received exception approval for DTI
 11/22/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500647 [Redacted] [Redacted] 4722272 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI exceeds guideline max; Lender exception approval not provided.   Reviewer Comment (2017-11-22): Received exception approval for DTI
 11/22/2017       1 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202500647 [Redacted] [Redacted] 4722273 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI exceeds guideline max; Lender exception approval not provided.   Reviewer Comment (2017-11-22): Received exception approval for DTI
 11/22/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500648 [Redacted] [Redacted] 4676300 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202500648 [Redacted] [Redacted] 4676344 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Lines 05 & 06 (# months) fields are blank.    $4,390.32 & $1,957.33 County Property Taxes paid to Tax Collector paid by Borrower at closing disclosed.   Reviewer Comment (2017-12-11): Rec'd LOE and corrected CD.
     12/11/2017   2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202500648 [Redacted] [Redacted] 4676345 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Lines 05 & 06 (# months) fields are blank.    $4,390.32 & $1,957.33 County Property Taxes paid to Tax Collector paid by Borrower at closing disclosed.   Reviewer Comment (2017-12-11): Rec'd LOE and corrected CD.
     12/11/2017   2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202500648 [Redacted] [Redacted] 4676346 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $150.00 exceeds tolerance of $133.00 plus 10% or $146.30.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure reflects $3.70 Lender credit for tolerance.         10/26/2017   1 [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202500648 [Redacted] [Redacted] 4715316 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   22 months < 24 months required under Portfolio Select Bank Statement program.  Missing xxxxxx Residual income.  Stable employment history (self employed since xxx). Reviewer Comment (2017-12-11): Rec'd exception:  used 22 months instead of 24 months of bank statements to qualify
       12/11/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202500648 [Redacted] [Redacted] 4726173 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing Letter of Explanation from Borrower. /// Income disclosed on the initial signed application should be reviewed. If income calculated is significantly higher than income stated on the 1003, the underwriter should request and explanation from the borrower to determine acceptability of the income.   Reviewer Comment (2017-12-20): No LOX required, using income borrower stated on 1003, no higher income was required


Reviewer Comment (2017-12-11): The calculated income of $34,139.81 per month is significantly higher than the income stated on the 1003 of $13,846.  Per guidelines this should be addressed by the borrower.


Buyer Comment (2017-12-08): Invalid Condition.  Amount used to qualify borrower is same amount as on 1003.
 12/20/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202500648 [Redacted] [Redacted] 4726341 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage Shortfall: $192,045.00   Reviewer Comment (2018-01-25): Received letter from xxxxx regarding insurance coverage and policy limits.  Coverage is sufficient and is at least equal to 100% of the estimated replacement cost of the home


Reviewer Comment (2017-12-11): Unable to clear, per letter insurance agent will not provide estimated replacement cost calculator.
 01/25/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202500648 [Redacted] [Redacted] 4726358 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___     Reviewer Comment (2017-12-11): Rec'd printout from xxxxx
 12/11/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202500648 [Redacted] [Redacted] 4726387 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-11): rec'd e-consent
 12/11/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500649 [Redacted] [Redacted] 4679558 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xx/xx/xxxx) Borrower's receipt of Final Appraisal report was not provided.  File did not contain an acknowledgement from Borrower that appraisal reports were received at least 3 days prior to closing.             2 [Redacted] FL Second Home Purchase   B B B B B B B B B B Non QM Safe Harbor QM No C B
202500649 [Redacted] [Redacted] 4679559 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/0xx/xx/xxxx) Borrower's receipt of Final Appraisal report, Desk review and AVM was not provided.  File did not contain an acknowledgement from Borrower that appraisal reports were received at least 3 days prior to closing.   Reviewer Comment (2017-11-22): Received copy of email sent xx/xx/xxxx
 11/22/2017       1 [Redacted] FL Second Home Purchase   B A B A B A B A B A Non QM Safe Harbor QM No C B
202500649 [Redacted] [Redacted] 4679564 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $49,131.70 while closing CD seller's fees total $57,303.20.   Reviewer Comment (2017-11-27): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-11-22): Revised PCCD not provided.
     11/27/2017   2 [Redacted] FL Second Home Purchase   B B B B B B B B B B Non QM Safe Harbor QM Yes C B
202500649 [Redacted] [Redacted] 4722396 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Additional/0xx/xx/xxxx) Borrower's receipt of Final Appraisal report, Desk review and AVM was not provided.  File did not contain an acknowledgement from Borrower that appraisal reports were received at least 3 days prior to closing.   Reviewer Comment (2017-11-22): Received copy of email sent xx/xx/xxxx
 11/22/2017       1 [Redacted] FL Second Home Purchase   B A B A B A B A B A Non QM Safe Harbor QM No C B
202500649 [Redacted] [Redacted] 4722486 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided   Fraud report for both Borrowers was not found in the loan file.   Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Safe Harbor QM No C B
202500649 [Redacted] [Redacted] 4915444 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Additional/0xx/xx/xxxx) Received copy of email sent 0xx/xx/xxxx but Appraisal is dated xx/xx/xxxx.             2 [Redacted] FL Second Home Purchase     B   B   B   B   B Non QM Safe Harbor QM No C B
202500649 [Redacted] [Redacted] 5862909 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated tape date with designation of QM Safe Harbor             2 [Redacted] FL Second Home Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Non QM Safe Harbor QM Yes C B
202500650 [Redacted] [Redacted] 4679616 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202500650 [Redacted] [Redacted] 4679919 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Missing Seller Closing Disclosure.   Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202500650 [Redacted] [Redacted] 4724663 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.   Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202500651 [Redacted] [Redacted] 4676538 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. LTV of 90% excceds guideline max of 80% with FICO score of 641.  1008 indicates broker score used for pricing, however, broker CBR not provided.  Lender exception approval for LTV exceeding 80% was not provided. Borrower on this Bank Statement documentation loan has a disposable income of $6,258.83 Reviewer Comment (2017-12-06): Received Credit Risk Summary & Exception Approval. LTV determined by using credit score from broker credit report. Compensating Factors: 1) Credit History. 2) Residual Income.
       12/06/2017 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500651 [Redacted] [Redacted] 4676551 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500651 [Redacted] [Redacted] 4676717 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.08410% or Final Disclosure APR of 7.13000% is in excess of allowable threshold of APOR 3.72% + 1.5%, or 5.22000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-12-11): Received Appraisal dated xx/xx/xxxx
 12/11/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500651 [Redacted] [Redacted] 4676718 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. Original Appraisal report dated prior to closing was not provided.   Reviewer Comment (2017-12-11): Received Appraisal dated xx/xx/xxxx


Reviewer Comment (2017-12-06): Unable to clear, appraisal is dated xx/xx/xxxx - Note is dated xx/xx/xxxx.
 12/11/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500651 [Redacted] [Redacted] 4676727 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.   Reviewer Comment (2017-12-06): Received
 12/06/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500651 [Redacted] [Redacted] 4676730 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. SSPL was not found in the loan file.   Reviewer Comment (2017-12-06): Received
 12/06/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500651 [Redacted] [Redacted] 4725989 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $7,243.30 while closing CD seller's fees total $17,890.05.   Reviewer Comment (2017-12-06): Rec'd LOE, corrected CD and evidence of emailing.
     12/06/2017   2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202500651 [Redacted] [Redacted] 4726046 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Payment shock of 224.17% exceeds max allowed of 200% for FTHB under the bank statement program; no Lender Exception approval provided. Borrower on this Bank Statement documentation loan has a disposable income of $6,258.83 Reviewer Comment (2017-12-06): Received Credit Risk Summary & Exception Approval. Payment Shock Exceeds maximum allowed by program. Compensating Factors: 1) Credit History. 2) Residual Income.
       12/06/2017 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500652 [Redacted] [Redacted] 4676265 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note Addendum - Prepayment not provided   Loan approved with Prepayment Penalty per Loan Approval.   Prepayment Penalty disclosed per Final Closing Disclosure.   Reviewer Comment (2017-11-30): Received
 11/30/2017       1 [Redacted] TX Investment Purchase   C A C A C A C A C A N/A N/A No C B
202500652 [Redacted] [Redacted] 4676298 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: ___
Inspection Date: ___		 Full Appraisal Report in file.  Appraisal Inspection date xx/xx/xxxx prior to xx/xx/xxxx disaster date.  Missing post disaster inspection.   Reviewer Comment (2017-11-28): Received Post Disaster Inspection - No Hurricane Damages
 11/28/2017       1 [Redacted] TX Investment Purchase   C A C A C A C A C A N/A N/A No C B
202500652 [Redacted] [Redacted] 4676301 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Investment Purchase   C A C A C A C A C A N/A N/A No C B
202500652 [Redacted] [Redacted] 4725828 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Current Street  was not provided   Signed Final 1003 to reflect current address (primary residence) as xxxxxx 1 year 3 months.    Per documentation in file, Borrower's primary residence monthly rent obligation is paid by employer.             2 [Redacted] TX Investment Purchase   B B B B B B B B B B N/A N/A No C B
202500653 [Redacted] [Redacted] 4683415 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxx,  Most Recent Tax Return End Date xxxxx Tax Return Due Date xxxxx. Xxxxxx xxxxxxxxxxxxxx   Reviewer Comment (2017-11-03): xxxxxxx
       11/03/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No B B
202500653 [Redacted] [Redacted] 4683431 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/xx/xx/xxxx) Borrower purchased property on 0xx/xx/xxxx for cash.  LTV is based on prior purchase price as it is lower than current apprised value; no exception.   Reviewer Comment (2017-11-03): LTV based on previous purchase price.
       11/03/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes B B
202500654 [Redacted] [Redacted] 4682749 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 16. DTI > maximum allowed. Compensating Factors: DTI (housing ratio) and Residual income. Housing Ratio of 16.759 < 40% max

Borrower on this Full documentation loan has a disposable income of $18,342.14		 Reviewer Comment (2017-11-02): Compensating Factors: DTI (housing ratio) and Residual income.
       11/02/2017 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202500654 [Redacted] [Redacted] 4682795 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202500654 [Redacted] [Redacted] 4683085 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-11-09): Received
 11/09/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202500654 [Redacted] [Redacted] 4683086 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-09): Received
 11/09/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500654 [Redacted] [Redacted] 4683090 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Broker Contact Name field is blank   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202500654 [Redacted] [Redacted] 4683091 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $164.00 exceeds tolerance of $136.00 plus 10% or $149.60.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure reflects $14.40 Lender credit for tolerance.         10/27/2017   1 [Redacted] TX Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202500654 [Redacted] [Redacted] 4727223 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx     Reviewer Comment (2017-11-09): Extension in file
 11/09/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202500654 [Redacted] [Redacted] 4781033 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxx,  Most Recent Tax Return End Date xxxxx Tax Return Due Date xxxxx. Xxxxxx Extension in file   Reviewer Comment (2017-11-09): Extension in file
 11/09/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other     A   A   A   A   A Non QM Non QM No C B
202500655 [Redacted] [Redacted] 4677522 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202500656 [Redacted] [Redacted] 4680299 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202500656 [Redacted] [Redacted] 4680963 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-27): Received
 11/27/2017       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202500656 [Redacted] [Redacted] 4721599 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $130,675.36 < $133,095.96. No documentation provided for source of funds for Flood Insurance POC $3,879.00.   Reviewer Comment (2017-11-27): Received documentation for flood payment
 11/27/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202500657 [Redacted] [Redacted] 4682755 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500657 [Redacted] [Redacted] 4683006 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,829.00 exceeds tolerance of $1,817.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Final Closing Disclosure reflects $12.00 Lender credit for tolerance.         10/27/2017   1 [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202500657 [Redacted] [Redacted] 4683117 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500657 [Redacted] [Redacted] 4683577 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   1008 comment not addressed on Credit Risk Summary: Exception for borrower to use income from both businessess with two different bank statements. //
xxxxxx		 30.345% DTI on this Full documentation loan < 45% guideline max

$12,127.38 Residual income on Bank Statement loan		 Reviewer Comment (2017-12-05): Received Credit Risk Summary & Exception Approval. Alternative income calculations used (both businesses). Compensating Factors: 1) DTI. 2) Housing payment decreasing. 3) Payment Shock. 4) Residual Income.
       12/05/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500657 [Redacted] [Redacted] 4731776 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage Shortfall $66,720.   Reviewer Comment (2017-12-04): Received Estimated cost rebuilder


Reviewer Comment (2017-11-22): Insurance coverage $228,000 + 57,000 = $285,000. Replacement cost per Appraisal $351,720 - 285,000 = $66,720 shortage.
 12/04/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500657 [Redacted] [Redacted] 4731834 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/302842) Closing Disclosure Projected Escrow Amount 245.61 < Escrow Payment Amount 421.61.   Reviewer Comment (2017-12-22): Rec'd LOE, corrected CD and evidence of emailing.
     12/22/2017   2 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202500657 [Redacted] [Redacted] 4731835 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/302843) Closing Disclosure Projected Escrow Amount 245.61 < Escrow Payment Amount 421.61.   Reviewer Comment (2017-12-22): Rec'd LOE, corrected CD and evidence of emailing.
     12/22/2017   2 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202500657 [Redacted] [Redacted] 4731836 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/302844) Closing Disclosure Projected Escrow Amount 245.61 < Escrow Payment Amount 421.61.   Reviewer Comment (2017-12-22): Rec'd LOE, corrected CD and evidence of emailing.
     12/22/2017   2 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202500657 [Redacted] [Redacted] 4731837 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/302845) Closing Disclosure Projected Escrow Amount 245.61 < Escrow Payment Amount 421.61.   Reviewer Comment (2017-12-22): Rec'd LOE, corrected CD and evidence of emailing.
     12/22/2017   2 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202500657 [Redacted] [Redacted] 4731838 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/302842) Closing Disclosure Projected Escrow Amount 245.61 < Escrow Payment Amount 421.61.   Reviewer Comment (2017-12-22): Rec'd LOE, corrected CD and evidence of emailing.
     12/22/2017   2 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202500658 [Redacted] [Redacted] 4684563 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500658 [Redacted] [Redacted] 4684914 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.   $15,636.89 in Property Taxes paid at closing by Borrower             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202500658 [Redacted] [Redacted] 4684916 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $17,033.43 2015 and $17,033.43 2016 Delinquent Taxes paid by Seller at closing per Seller's CD are not reflected on the Buyer's CD             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202500658 [Redacted] [Redacted] 4727280 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Credit Report Error: Missing source document for credit/housing history.   8 months rent checks < 12 months required.    Borrower renting current residence 9 months.   Missing prior 4 rent checks for prior residence rented by Borrower Borrower on this Alt documentation loan has a disposable income of $18421 Reviewer Comment (2017-11-14): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/14/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500658 [Redacted] [Redacted] 4727307 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-14): Received
 11/14/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500659 [Redacted] [Redacted] 4687183 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 9 months reserves required for Loans > $750,000. 31.153% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $16,902.37		 Reviewer Comment (2017-11-14): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income.


Reviewer Comment (2017-11-13): still short reserves, see previous comment


Reviewer Comment (2017-11-09): 8.52 < 9 months after adding in Regions asset
       11/14/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500659 [Redacted] [Redacted] 4687197 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500659 [Redacted] [Redacted] 4687216 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Aged document: Asset Account date is more than 90 days prior to the note. Financial Institution: xxxx / End Date: xxxxx // Account Type: Money Markets / Account Number: xxxx Asset Account Date: ___ Asset is 109 days old as of the Note date. Short funds to close by $48,022.23 and no reserves if not used for assets. 31.153% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $16,902.37		 Reviewer Comment (2017-11-09): Received Credit Risk Summary & Exception Approval. Assets: Documentation Age exceeds guidelines. Compensating Factors: 1) DTI. 2) Residual Income.
       11/09/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500659 [Redacted] [Redacted] 4687243 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $205,402.41 > $58,702.41             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202500659 [Redacted] [Redacted] 4740126 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-09): Received
 11/09/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500659 [Redacted] [Redacted] 4740188 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   xxxxstatement dated xx/xx/xxx is over 90 days old.   Reviewer Comment (2017-11-09): Received exception approval to used aged Regions statement
 11/09/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500668 [Redacted] [Redacted] 4685938 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500668 [Redacted] [Redacted] 4686326 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML North Carolina Rate Spread Threshold Test North Carolina Rate Spread Home Loan: APR on subject loan of 7.16070% or Final Disclosure APR of 7.20800% is in excess of allowable threshold of APOR 3.72% + 1.5%, or 5.22000%.  Non-Compliant Rate Spread Home Loan.               2 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202500668 [Redacted] [Redacted] 4714037 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium. NC General Statutes § 53-244.111 (16) requires that, "In connection with the brokering or making of a rate spread home loan as defined under G.S. 24-1.1F, no lender shall provide nor shall any broker receive any compensation that changes based on the terms of the loan."   Reviewer Comment (2017-11-10): Exception cleared.  Attestation from lender received stating that YSP was based on principal balance of loan which is permissible under NC law.
 11/10/2017       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500669 [Redacted] [Redacted] 4686925 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $3,271.72 Marketing fee and $2,500.00 Premium Participation fee paid by Seller at closing per Seller's CD are not reflected on the Consumer's CD   Reviewer Comment (2017-11-22): Rec'd LOE, corrected CD and evidence of emailing.
     11/22/2017   2 [Redacted] AZ Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202500669 [Redacted] [Redacted] 4691958 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500669 [Redacted] [Redacted] 4692170 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500670 [Redacted] [Redacted] 4686570 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500670 [Redacted] [Redacted] 4686697 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information, Broker Contact Name field is blank   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202500670 [Redacted] [Redacted] 4686698 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.  $5,526.66 in Property Taxes paid by Borrower at closing disclosed   Reviewer Comment (2017-11-09): Rec'd LOE, corrected CD and evidence of emailing.
     11/09/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202500671 [Redacted] [Redacted] 4685447 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500671 [Redacted] [Redacted] 4685757 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxx,  Most Recent Tax Return End Date xxxxx Tax Return Due Date xxxxx. Xxxxxx xxxxxxxxxxxxxx             2 [Redacted] AZ Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202500671 [Redacted] [Redacted] 4685758 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-09): Received
 11/09/2017       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500671 [Redacted] [Redacted] 4685763 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Closing Disclosure reflects $48.00 Lender credit for tolerance.         10/27/2017   1 [Redacted] AZ Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202500671 [Redacted] [Redacted] 4722439 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.  $141.38 in Property Taxes paid by Seller at closing.             2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202500671 [Redacted] [Redacted] 4722444 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller's CD discloses -$730.62 net closing costs paid at closing             2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202500672 [Redacted] [Redacted] 4687378 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 6. DTI > maximum allowed. Compensating Factors:  LTV and Payment shock. Guideline variance approved by lender at time of origination Reviewer Comment (2017-11-03): Compensating Factors: LTV and Payment shock.
       11/03/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500672 [Redacted] [Redacted] 4687383 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500672 [Redacted] [Redacted] 4687457 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-10): Electronic signature is shown on both Loan Estimates.


Buyer Comment (2017-11-08): Documents were mailed to borrower.
         2 [Redacted] FL Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202500672 [Redacted] [Redacted] 4722061 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing third party verification Borrower's ownership of xxxx. Loan contains Borrower's explanation that xxxx and Borrower's business xxxx are not one and the same. Housing payment $478 less per month Reviewer Comment (2017-11-30): Received Credit Risk Summary & Exception approval for VVOE outside 10 days of closing.
       11/30/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500672 [Redacted] [Redacted] 4722172 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 0xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/0xx/xx/xxxx)     Reviewer Comment (2017-11-10): N/A
 11/10/2017       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202500672 [Redacted] [Redacted] 4722173 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $260.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) No CD provided to go with Change of Circumstance dated 0xx/xx/xxxx.   Reviewer Comment (2017-11-10): Change of Circumstance matched CD
 11/10/2017       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202500672 [Redacted] [Redacted] 4722211 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/0xx/xx/xxxx)               2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202500672 [Redacted] [Redacted] 4735574 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property Tax paid by Buyer shown in Section H should be in Section F (including number of months collected).             2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202500674 [Redacted] [Redacted] 4687941 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $806.76 Property Taxes and $640.00 higher Owner's Title fee paid by Seller at closing per Consumer CD not reflected on Seller's CD   Reviewer Comment (2017-11-22): Rec'd LOE, corrected CD and evidence of emailing.
     11/22/2017   2 [Redacted] AZ Primary Purchase   B B B B B B B B B B Non QM Non QM Yes B B
202500675 [Redacted] [Redacted] 4729635 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Higher Priced QM Higher Priced QM No C B
202500675 [Redacted] [Redacted] 4729679 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AIR Table Minimum Interest Rate TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (Final/xx/xx/xxxx) Minimum Interest Rate disclosed on Closing Disclosure is 5.375%. Minimum Interest Rate per Note "never less than margin" per Note. Margin is 4.00% per Note.   Reviewer Comment (2017-11-10): Rec'd LOE, corrected CD and evidence of emailing.
     11/10/2017   2 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Higher Priced QM Higher Priced QM Yes C B
202500675 [Redacted] [Redacted] 4729680 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/303655) Minimum Interest Rate disclosed on Closing Disclosure is 5.375%. Minimum Interest Rate per Note "never less than margin" per Note. Margin is 4.00% per Note.   Reviewer Comment (2017-11-10): Rec'd LOE, corrected CD and evidence of emailing.
     11/10/2017   2 [Redacted] WI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Higher Priced QM Higher Priced QM Yes C B
202500675 [Redacted] [Redacted] 4729681 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/303656) Minimum Interest Rate disclosed on Closing Disclosure is 5.375%. Minimum Interest Rate per Note "never less than margin" per Note. Margin is 4.00% per Note.   Reviewer Comment (2017-11-10): Rec'd LOE, corrected CD and evidence of emailing.
     11/10/2017   2 [Redacted] WI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Higher Priced QM Higher Priced QM Yes C B
202500675 [Redacted] [Redacted] 4729682 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/303657) Minimum Interest Rate disclosed on Closing Disclosure is 5.375%. Minimum Interest Rate per Note "never less than margin" per Note. Margin is 4.00% per Note.   Reviewer Comment (2017-11-10): Rec'd LOE, corrected CD and evidence of emailing.
     11/10/2017   2 [Redacted] WI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Higher Priced QM Higher Priced QM Yes C B
202500675 [Redacted] [Redacted] 4729692 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $103.00 (total) Final Water Reading fees paid by Seller at closing per Seller's CD not reflected on the consumer's CD   Reviewer Comment (2017-11-10): Rec'd LOE, corrected CD and evidence of emailing.
     11/10/2017   2 [Redacted] WI Primary Purchase   B B B B B B B B B B Higher Priced QM Higher Priced QM Yes C B
202500676 [Redacted] [Redacted] 4691675 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Alternate Table Usage TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. 1 Closing Disclosure issued xx/xx/xxxx on the "With Seller" form, and Loan Estimates and final Closing Disclosure on "without Seller form" (Cash to close/Cash to Borrower)   Reviewer Comment (2017-11-09): Data was corrected on subsequent disclosure (SFIG)


Buyer Comment (2017-11-07): corrected on final cd
 11/09/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other Good Faith Redisclosure B A B A B A B A B A Non QM Non QM Yes B A
202500677 [Redacted] [Redacted] 4701343 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-08): Received
 11/08/2017       1 [Redacted] TN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202500677 [Redacted] [Redacted] 4715144 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $17,000.00 difference.    Consumer CD discloses a higher $25,550.00 RE Commission fee amount vs $8,500.00 RE Commission fee amount disclosed on Seller's CD             2 [Redacted] TN Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202500677 [Redacted] [Redacted] 4715157 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Final 1003 shows 2 consumer debts excluded in calculation with no clear documentation to support debts not included in total monthly obligation. Also, unallowed deposits deducted from Bank Statement income. Borrower on this Alt documentation loan has a disposable income of $12,000 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/08/2017 2 [Redacted] TN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500677 [Redacted] [Redacted] 4715161 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 5.87 months < 6 months Portfolio Select Bank Statement program. Lender's 7 months calculation is not support by asset documentation in file.  EMD not included in total verified assets.  $8,000.00 earnest money deposit check(s) or wire(s) not in file support two (2) $4,000.00 customer cash withdrawals per xxxxxxx (p 58) are one in the same and actually used for earnest money deposit(s). Borrower on this Alt documentation loan has a disposable income of $12,000 Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/08/2017 2 [Redacted] TN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500677 [Redacted] [Redacted] 4715165 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.92710% or Final Disclosure APR of 6.96800% is in excess of allowable threshold of APOR 3.72% + 2.5%, or 6.22000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 11/08/2017       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500677 [Redacted] [Redacted] 4715166 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum.  Reserves < minimum.   Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 11/08/2017       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500677 [Redacted] [Redacted] 4715167 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum.  Reserves < minimum.   Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 11/08/2017       1 [Redacted] TN Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202500677 [Redacted] [Redacted] 4715168 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum.  Reserves < minimum.   Reviewer Comment (2017-11-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 11/08/2017       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500677 [Redacted] [Redacted] 4729111 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___.   Borrower on this Bank Statement documentation loan has a disposable income of $11,466.26 Reviewer Comment (2017-11-15): Received Credit Risk Summary & Exception Approval. Housing ratio exceeds guideline requirements. Compensating Factors: 1) Payment Shock. 2) Residual Income.
       11/15/2017 2 [Redacted] TN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500677 [Redacted] [Redacted] 4729112 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received
 03/01/2018       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202500677 [Redacted] [Redacted] 4729124 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ xxxx within 10 days of Note. Borrower on this Bank Statement documentation loan has a disposable income of $11,466.26 Reviewer Comment (2017-11-22): Received VVOE after 10 days of closing remains 2
       11/22/2017 2 [Redacted] TN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202500677 [Redacted] [Redacted] 5747190 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Desk Review value is less than Appraised value by at least 10%.   Per CDA   Reviewer Comment (2018-03-05): Received Field Review supporting Origination Value
 03/05/2018       1 [Redacted] TN Primary Purchase     A   A   A   A   A Non QM Non QM No C B
202520155 [Redacted] [Redacted] 4743838 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.72460% or Final Disclosure APR of 6.76400% is in excess of allowable threshold of APOR 3.73% + 2.5%, or 6.23000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-23): Received Exception approval for DTI.
 11/23/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520155 [Redacted] [Redacted] 4744978 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI exceeds max of 45% and Lender Exception approval form was not provided. Borrower on this Bank Statement documentation loan has a disposable income of $16,918.56 Reviewer Comment (2017-11-23): Received Credit Risk Summary & Exception Approval. DTI: Debt Ratio exceeds program guidelines. Compensating Factors: 1) Credit History. 2) Payment Shock. 3) Residual Income. 4) Stable Employment History.
       11/23/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520155 [Redacted] [Redacted] 4745072 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI exceeds max of 45% and Lender Exception approval form was not provided.   Reviewer Comment (2017-11-23): Received Exception approval for DTI.
 11/23/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520155 [Redacted] [Redacted] 4745073 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI exceeds max of 45% and Lender Exception approval form was not provided.   Reviewer Comment (2017-11-23): Received Exception approval for DTI.
 11/23/2017       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202520155 [Redacted] [Redacted] 4745074 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI exceeds max of 45% and Lender Exception approval form was not provided.   Reviewer Comment (2017-11-23): Received Exception approval for DTI.
 11/23/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520155 [Redacted] [Redacted] 4750371 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-23): Received
 11/23/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520155 [Redacted] [Redacted] 4750372 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $85,727.98 while closing CD seller's fees total $83,159.26.   Reviewer Comment (2017-11-24): PCCD dated xx/xx/xxxx provided does correct Seller paid fees. But:  Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids.
         2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202520155 [Redacted] [Redacted] 4750582 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. LTV exceeds max of 80% for Interest-only program; lender exception approval form was not provided. Borrower on this Bank Statement documentation loan has a disposable income of $16,918.56 Reviewer Comment (2017-11-30): Received Credit Risk Summary & Exception Approval. LTV: Exceeds maximum allowed by program. Compensating Factors: 1) Credit History. 2) Payment Shock. 3) Residual Income. 4) Stable Employment History.
       11/30/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520156 [Redacted] [Redacted] 4730504 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520156 [Redacted] [Redacted] 4730584 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index value sourced from Broker lock confirmation.             2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520156 [Redacted] [Redacted] 4730585 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Revised LE sent xx/xx/xxxx was not found in the loan file.   Reviewer Comment (2017-11-22): Received LE and CofC dated xx/xx/xxxx
 11/22/2017       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202520156 [Redacted] [Redacted] 4730588 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) Revised LE sent xx/xx/xxxx was not found in the loan file.   Reviewer Comment (2017-11-22): Received LE and CofC dated xx/xx/xxxx
 11/22/2017       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202520156 [Redacted] [Redacted] 4740907 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Issue:  Insufficient tradelines per credit guidelines   1 trade reported 9 months and 1 trade reported 5 months < minimum trade lines reporting for ≥ 12 month; or 2 trade lines reporting for ≥ 24 months with activity in the past 12 months required at approved 80% LTV under Non-Prime program.  Lender' Exception Approval in file with compensating factors of DTI and Payment shock. 38.01% DTI on this Full documentation loan < 45% guideline max - 6.99% below program guideline maximum Reviewer Comment (2017-11-06): Lender exception approval provided.  Comp factor for payment shock does not apply as payment shock is not considered; borrower living rent-free.
       11/06/2017 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520156 [Redacted] [Redacted] 4743230 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $18,435.01 while closing CD seller's fees total $18,359.19.             2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202520157 [Redacted] [Redacted] 4728239 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-23): Received
 11/23/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520157 [Redacted] [Redacted] 4739660 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Payment shock exceeds max of 300%; lender calculated previous PITI with a much higher tax and insurance payment than is documented in file and reflected in REO section of Final 1003. 12.75% DTI on this Bank Statement documentation loan < 45% guideline max - 32.25% below program guideline maximum

Borrower on this Bank Statement documentation loan has a disposable income of $138,887.83.		 Reviewer Comment (2017-11-23): Received Credit Risk Summary & Exception Approval. Payment Shock: Exceeds maximum allowed by program. Compensating Factors: 1) DTI. 2) Residual Income.
       11/23/2017 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520157 [Redacted] [Redacted] 4739933 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Reserves available does not meet guideline minimum of 12 months, but meets lender exception policy based on compensating factors of DTI and residual income. 12.75% DTI on this Bank Statement documentation loan < 45% guideline max - 32.25% below program guideline maximum

Borrower on this Bank Statement documentation loan has a disposable income of $138,887.83.		 Reviewer Comment (2017-11-06): Lender exception approval provided.
       11/06/2017 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520158 [Redacted] [Redacted] 4728849 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202520159 [Redacted] [Redacted] 4732620 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520159 [Redacted] [Redacted] 4732667 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 6.85690% or Final Disclosure APR of 6.88000% is in excess of allowable threshold of USTreasury 2.7700% + 3%, or 5.77000%.  Compliant Subprime Loan.               2 [Redacted] MN Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202520159 [Redacted] [Redacted] 4732668 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] MN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520159 [Redacted] [Redacted] 4740555 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower has been living rent free since xxxxx; rent free not allowed per guidelines.  Lender exception approval provided with compensating factors of DTI and reserves. 30 months reserves > 6 months guideline minimum - borrowers have verified reserves of $42671.19

37.36252% DTI on this Bank statement documentation loan < 45% guideline max - 7.63% below program guideline maximum		 Reviewer Comment (2017-11-06): Lender exception approval provided.
       11/06/2017 2 [Redacted] MN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520160 [Redacted] [Redacted] 4732489 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520160 [Redacted] [Redacted] 4732598 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final CD did not disclose number of months for Prepaid Property taxes.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520160 [Redacted] [Redacted] 4735733 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $13,079.17 while closing CD seller's fees total $13,193.17.   Reviewer Comment (2017-11-23): Rec'd LOE, corrected CD and evidence of emailing.
     11/23/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520160 [Redacted] [Redacted] 4740997 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. Loan amount is below guideline minimum of $150,000.00 for loans with Lender paid compensation; lender exception approval was not provided. 8.964% DTI on this Full documentation loan < 45% guideline max

57.692% LTV < 75% guideline max

Borrower on this Full documentation loan has a disposable income of $9,445.01		 Reviewer Comment (2017-11-30): Received Credit Risk Summary & Exception Approval. Loan Amount: Less than minimum allowed by program. Compensating Factors: 1) DTI. 2) LTV. 3) Residual Income.


Reviewer Comment (2017-11-23): Non-Prime matrix dated xx/xx/xxxx: OO/2nd Homes with Lender Paid Compensation Min loan amount $150K


Buyer Comment (2017-11-21): Invalid Condition.  Per Matrix min loan amount is 75K.  150K min loan amount only applies to bank statement loans
       11/30/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520161 [Redacted] [Redacted] 4733421 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202520162 [Redacted] [Redacted] 4732658 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520162 [Redacted] [Redacted] 4734492 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $1,282.62 Seller's Fee to xxx fee paid by Seller at closing per Consumer;s CD are not reflected on the Seller's CD   Reviewer Comment (2017-11-23): Rec'd LOE, corrected CD and evidence of emailing.
     11/23/2017   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520163 [Redacted] [Redacted] 4734711 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520163 [Redacted] [Redacted] 4734790 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-23): Received
 11/23/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520163 [Redacted] [Redacted] 4735409 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Net difference $8,190.00.  $135.00 higher Doc Prep fee paid by Seller at closing per Consumer's CD vs.  $100.00 per Seller's CD.  $8,225.00 Roof Replacement fee paid by Seller at closing per Seller's CD not reflected on Consumer's CD   Reviewer Comment (2017-11-23): Rec'd LOE, corrected CD and evidence of emailing.
     11/23/2017   2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202520164 [Redacted] [Redacted] 4740694 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.   Reviewer Comment (2017-11-23): Received
 11/23/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No B B
202520164 [Redacted] [Redacted] 4740698 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $4,443.00 while closing CD seller's fees total $4,344.00.   Reviewer Comment (2017-11-23): Rec'd LOE, corrected CD and evidence of emailing.
     11/23/2017   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes B B
202520165 [Redacted] [Redacted] 4735210 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided       Reviewer Comment (2017-11-24): Received
 11/24/2017       1 [Redacted] NC Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202520165 [Redacted] [Redacted] 4735214 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NC Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202520165 [Redacted] [Redacted] 4735460 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.  $3,273.43 in Property Taxes paid by Seller at closing disclosed.   Reviewer Comment (2017-11-24): Received PCCD dated xx/xx/xxxx with number of tax months entered. PCCD dated xx/xx/xxxx has errors: AIR Table on page 4 is missing Margin and Minimum Interest Rate which also affected the Loan Calculations box on page 5.
         2 [Redacted] NC Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520165 [Redacted] [Redacted] 4739570 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $7,161.56 Invoice - xxx fees paid by Seller at closing per Seller's CD are not reflected on the Consumer's CD   Reviewer Comment (2017-11-24): Received PCCD dated xx/xx/xxxx with Seller paid fees corrected. PCCD dated xx/xx/xxxx has errors: AIR Table on page 4 is missing Margin and Minimum Interest Rate which also affected the Loan Calculations box on page 5.
         2 [Redacted] NC Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202520165 [Redacted] [Redacted] 4739980 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing verification xxxxx) Loan Modification > 36 months under Portfolio Select Bank Statement program. Borrowers who entered into a modification would follow foreclosure guidelines. Modifications entered into less than two (2) years ago may be considered on case by case basis, under the Non-Prime Recent Housing Event program. Borrower on this Bank Statement documentation loan has a disposable income of $24,800 Reviewer Comment (2017-11-27): Received Credit Risk Summary & Exception approval for  Credit Event Seasoning not met, Mtg on Credit Recently Modified in last 12 months.


Reviewer Comment (2017-11-24): Nothing received regarding this exception.
       11/27/2017 2 [Redacted] NC Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202520165 [Redacted] [Redacted] 4740374 [Redacted] [Redacted] Credit Credit Credit Documentation Credit No evidence of fraud report in file Credit Report: Original // Borrower: xxxxx     Reviewer Comment (2017-11-24): Duplicate
 11/24/2017       1 [Redacted] NC Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202520166 [Redacted] [Redacted] 4739226 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] OH Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520166 [Redacted] [Redacted] 4739331 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-28): Rec'd LOE, corrected CD and evidence of emailing.
     11/28/2017   2 [Redacted] OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520166 [Redacted] [Redacted] 4739332 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $495.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure reflects $30.00 Lender credit for tolerance.         11/06/2017   1 [Redacted] OH Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202520167 [Redacted] [Redacted] 4757753 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520167 [Redacted] [Redacted] 4757902 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI of  47.197% > 45% guideline max, but meets Lender Exception policy based on compensating factors of 761 credit score and 0 x 30 x 85 months mortgage payment history. Borrower has mortgage payment history of 0x30 for 85 months.

761 representative FICO score > 720 guideline minimum for 90% LTV.  Loan is at 80% LTV which has a guideline minimum FICO score of 620.		 Reviewer Comment (2017-11-08): Lender Exception Approval provided.
       11/08/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520168 [Redacted] [Redacted] 4739878 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI exceeds guideline max of 45%, but meets lender exception policy based on compensating factors of excess reserves and residual income. 14.98 months reserves > 6 months guideline minimum - borrowers have verified reserves of $95,314.32.

Borrower on this Full Doc documentation loan has a disposable income of $8,952.86.		 Reviewer Comment (2017-11-06): Lender exception approval provided.
       11/06/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520168 [Redacted] [Redacted] 4740073 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520168 [Redacted] [Redacted] 4740158 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-23): Received
 11/23/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520168 [Redacted] [Redacted] 4740160 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect Mortgage Broker Contact Name.   Reviewer Comment (2017-11-23): Rec'd LOE, corrected CD and evidence of emailing.
     11/23/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202520168 [Redacted] [Redacted] 4740162 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose figures for prepaid interest under Prepaids. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect the interest paid through date; date was left blank.   Reviewer Comment (2017-11-23): Rec'd LOE, corrected CD and evidence of emailing.
     11/23/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520168 [Redacted] [Redacted] 4744462 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect the number of months for prepaid property tax; field was left blank.   Reviewer Comment (2017-11-23): Rec'd LOE, corrected CD and evidence of emailing.
     11/23/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520169 [Redacted] [Redacted] 4741806 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520169 [Redacted] [Redacted] 4742109 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2017-11-23): Received
 11/23/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202520169 [Redacted] [Redacted] 4742113 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.   $972.40 Property Taxes paid by Borrower at closing disclosed.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520169 [Redacted] [Redacted] 4753916 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-23): Received
 11/23/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520170 [Redacted] [Redacted] 4745260 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Title: Evidence of title is missing       Reviewer Comment (2017-11-23): Received Short Form.
 11/23/2017       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202520170 [Redacted] [Redacted] 4745261 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. LTV > 80%, max DTI 45% on Investment Property 27.6 months reserves > 6 months guideline minimum - borrowers have verified reserves of $47,274.71

Borrower on this Full documentation loan has a disposable income of $8,188.45		 Reviewer Comment (2017-12-05): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Reserves. 2) Residual Income.


Reviewer Comment (2017-11-30): Received Exception approval to use Alternate income calculation. Please provide worksheet to show how monthly rent for subject would be $2,000 a month. DTI is now 49.09527% using alternate rent income calculation.


Buyer Comment (2017-11-28): we used Operating Expense Statement and calculated at $2,000 per month because the borrowers had reserves which were sufficient.
       12/05/2017 2 [Redacted] FL Investment Purchase   C B C B C B C B C B N/A N/A No C B
202520170 [Redacted] [Redacted] 4745265 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202520170 [Redacted] [Redacted] 4753495 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Own/Rent  was not provided   Final Closing statement (Sale) of Borrowers Primary Residence is in File, unknown borrower current address, and monthly housing payment.  Missing corrected application with borrower new address - Housing expense.             2 [Redacted] FL Investment Purchase   B B B B B B B B B B N/A N/A No C B
202520170 [Redacted] [Redacted] 4753869 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ 2nd Job xxxx 27.6 months reserves > 6 months guideline minimum - borrowers have verified reserves of $47,274.71

Borrower on this Full documentation loan has a disposable income of $8,188.45		 Reviewer Comment (2017-12-05): Received Credit Risk Summary & Exception Approval. Using vvoe for second job pulled after closing. Compensating Factors: 1) Reserves. 2) Residual Income.
       12/05/2017 2 [Redacted] FL Investment Purchase   C B C B C B C B C B N/A N/A No C B
202520171 [Redacted] [Redacted] 4749163 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520171 [Redacted] [Redacted] 4749941 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Verified reserves do not meet 6 months guideline minimum; lender exception approval not provided. 29.14% DTI on this Alt documentation loan < 45% guideline max Reviewer Comment (2017-11-27): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/27/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520171 [Redacted] [Redacted] 4767547 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $20,851.00 while closing CD seller's fees total $21,335.00.   Reviewer Comment (2017-11-28): Rec'd LOE, corrected CD and evidence of emailing.
     11/28/2017   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520172 [Redacted] [Redacted] 4740826 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NM Investment Purchase   C A C A C A C A C A N/A   No C A
202520173 [Redacted] [Redacted] 4745411 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Divorce Decree / Child Support not provided       Reviewer Comment (2017-12-05): Received xxxxxx documentation.
 12/05/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520173 [Redacted] [Redacted] 4745425 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520173 [Redacted] [Redacted] 4745528 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-05): Received
 12/05/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520173 [Redacted] [Redacted] 4745537 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $21,970.43 while closing CD seller's fees total $27,045.43.   Reviewer Comment (2017-12-05): Rec'd LOE, corrected CD and evidence of emailing.
     12/05/2017   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520173 [Redacted] [Redacted] 4751901 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee.  Fee Amount of $225.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7588)           11/07/2017   1 [Redacted] TX Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202520174 [Redacted] [Redacted] 4743757 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520174 [Redacted] [Redacted] 4743840 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520174 [Redacted] [Redacted] 4743842 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $11,863.76 while closing CD seller's fees total $11,374.76.   Reviewer Comment (2017-11-22): Rec'd LOE, corrected CD and evidence of emailing.
     11/22/2017   2 [Redacted] IL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202520175 [Redacted] [Redacted] 4749583 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NC Investment Purchase   C A C A C A C A C A N/A N/A No C A
202520175 [Redacted] [Redacted] 4751432 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Final 1003 Schedule of Real Estate section to be completed to include owned primary residence,

- Final 1003 Liabilities section to be completed to include xxxxx		   Reviewer Comment (2018-02-08): Received correct 1003
 02/08/2018       1 [Redacted] NC Investment Purchase   C A C A C A C A C A N/A N/A No C A
202520176 [Redacted] [Redacted] 4748183 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520176 [Redacted] [Redacted] 4753921 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $192.24 difference.    Additional $2.24 October HOA fee to CVP Commumity and $190.00 October HOA fee to First Service Residential fee amounts paid by Seller at closing per Seller CD not disclosed on Consumer's CD   Reviewer Comment (2017-12-12): Rec'd LOE, corrected CD and evidence of emailing.
     12/12/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202520176 [Redacted] [Redacted] 4754030 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility Borrower and Mortgage Eligibility 1003 Error: Citizenship Source Documentation  was not provided Borrower: xxxxxx Missing copy of Co-borrower's current Passport, evidence of lawful residency status in the U.S. and OFAC Search report.   Per signed final typed 1003, Co--borrower (xxxxxx) is not a United States Citizen or Permanent Resident Alien   Reviewer Comment (2017-12-12): Received corrected 1003
 12/12/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202520176 [Redacted] [Redacted] 4754124 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Issue:  Ineligible borrower   Owner occupied purchase financing approval issued to Foreign National Co-borrower under Portfolio Select.  Foreign Nationals Borrowers are only eligible for investment property financing under Non-Prime Foreign National program.   Reviewer Comment (2017-12-12): Received Permanent Resident card for Co-Borrower.
 12/12/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520177 [Redacted] [Redacted] 4754121 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202520177 [Redacted] [Redacted] 4754132 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Missing Verbal Verification of Employment (VVOE) completed within 10 days of closing for Borrower; No VOE in file for primary borrower.   Reviewer Comment (2017-12-05): Received
 12/05/2017       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202520178 [Redacted] [Redacted] 4754811 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520178 [Redacted] [Redacted] 4755373 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-24): Received
 11/24/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520178 [Redacted] [Redacted] 4755385 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $32,484.48 while closing CD seller's fees total $32,430.72.   Reviewer Comment (2017-11-24): Rec'd LOE, corrected CD and evidence of emailing.
     11/24/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202520178 [Redacted] [Redacted] 4758152 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/308580) Lender escrowed tax amount based on tax cert of previous owner who had an exempt status.  Amount captured for annual taxes is disclosed on tax record info sheet for next amount due per the xxx tax collector and matches tax amount noted by appraiser.  Seller CD reflects 2017 taxes paid in the amount of $7,677.15.   Reviewer Comment (2017-11-24): Rec'd LOE, corrected CD and evidence of emailing.
     11/24/2017   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202520178 [Redacted] [Redacted] 4758153 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/308581) Lender escrowed tax amount based on tax cert of previous owner who had an exempt status.  Amount captured for annual taxes is disclosed on tax record info sheet for next amount due per the xxx tax collector and matches tax amount noted by appraiser.  Seller CD reflects 2017 taxes paid in the amount of $7,677.15.   Reviewer Comment (2017-11-24): Rec'd LOE, corrected CD and evidence of emailing.
     11/24/2017   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202520178 [Redacted] [Redacted] 4758154 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/308582) Lender escrowed tax amount based on tax cert of previous owner who had an exempt status.  Amount captured for annual taxes is disclosed on tax record info sheet for next amount due per the xxx tax collector and matches tax amount noted by appraiser.  Seller CD reflects 2017 taxes paid in the amount of $7,677.15.   Reviewer Comment (2017-11-24): Rec'd LOE, corrected CD and evidence of emailing.
     11/24/2017   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202520178 [Redacted] [Redacted] 4758155 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/308583) Lender escrowed tax amount based on tax cert of previous owner who had an exempt status.  Amount captured for annual taxes is disclosed on tax record info sheet for next amount due per the xxx tax collector and matches tax amount noted by appraiser.  Seller CD reflects 2017 taxes paid in the amount of $7,677.15.   Reviewer Comment (2017-11-24): Rec'd LOE, corrected CD and evidence of emailing.
     11/24/2017   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202520178 [Redacted] [Redacted] 4758156 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/308580) Lender escrowed tax amount based on tax cert of previous owner who had an exempt status.  Amount captured for annual taxes is disclosed on tax record info sheet for next amount due per the xxx tax collector and matches tax amount noted by appraiser.  Seller CD reflects 2017 taxes paid in the amount of $7,677.15.   Reviewer Comment (2017-11-24): Rec'd LOE, corrected CD and evidence of emailing.
     11/24/2017   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202520178 [Redacted] [Redacted] 4758462 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Borrowers are short reserves required.  4.63 months verified reserves is less than 6 month guideline minimum. 41.713 < 45% DTI maximum Reviewer Comment (2017-11-24): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) LTV. 3) Stable Employment History.
       11/24/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520179 [Redacted] [Redacted] 4753290 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Investment Purchase   C A C A C A C A C A N/A   No C A
202520180 [Redacted] [Redacted] 4755804 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. Initial Escrow Account Disclosure Amount $2,787.46 < $2,784.66 Sum Of Escrow Fees per Final Closing Disclosure             2 [Redacted] PA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202520180 [Redacted] [Redacted] 4755959 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] PA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520180 [Redacted] [Redacted] 4772824 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 13. DTI > maximum per guidelines. Compensating Factors: 1) Lower housing payment. 2) Residual Income. Borrower's mortgage payment decreased by $1,340.74 per month.

Borrower on this Full documentation loan has a disposable income of $4,398.47.		 Reviewer Comment (2017-11-09): Lender Exception approval provided.
       11/09/2017 2 [Redacted] PA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202520180 [Redacted] [Redacted] 4784898 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $14,002.50 while post-closing CD (xx/xx/xxxx) seller's fees total $12,907.54.             2 [Redacted] PA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202520181 [Redacted] [Redacted] 4753993 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202520181 [Redacted] [Redacted] 4754023 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Hazard Insurance Flood Insurance Policy expires within 90 days of the Note Date.  Check data entry and set applicable exception   Current Flood Insurance Policy term expires xxx (p 320).   Renewal premium due $575.00 per Renewal Notice (p 316).    Final CD discloses $475.00 12 month Flood insurance premium paid by Borrower prior to closing.   Missing verification $575.00 renewal premium paid in full and new policy period xxx to xxx.   Reviewer Comment (2017-11-24): Received Flood renewal
 11/24/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202520181 [Redacted] [Redacted] 4754237 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-30): Received
 11/30/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202520181 [Redacted] [Redacted] 4756140 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Missing Verbal Verification of Employment (VVOE) completed within 10 days of closing for Borrower   Reviewer Comment (2017-11-27): Received
 11/27/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202520182 [Redacted] [Redacted] 4761564 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Investment Purchase   C A C A C A C A C A N/A N/A No C A
202520183 [Redacted] [Redacted] 4759995 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202520184 [Redacted] [Redacted] 4757676 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202520184 [Redacted] [Redacted] 4757878 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.   Reviewer Comment (2017-11-24): Received
 11/24/2017       1 [Redacted] GA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520184 [Redacted] [Redacted] 4757879 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.  $1,211.36 in Property Taxes paid by Borrower at closing disclosed             2 [Redacted] GA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520184 [Redacted] [Redacted] 4762751 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. Loan amount is less than guideline minimum of $150,000.00 for owner occupied homes with Lender paid compensation; Lender exception approval not provided. 12.411% DTI on this Full documentation loan < 45% guideline max

59.507% LTV < 80% guideline max		 Reviewer Comment (2017-11-24): Received Credit Risk Summary & Exception Approval. Other: note loan amount of xxx is less than guideline minimum loan amount of $150,000. Compensating Factors: 1) DTI. 2) LTV.
       11/24/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202520185 [Redacted] [Redacted] 4758298 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202520185 [Redacted] [Redacted] 4758337 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-23): Received
 11/23/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520185 [Redacted] [Redacted] 4765682 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 7. Reserves: Source ineligible. Allowing C/O to be used for reserves on Bk Stmt Program (which will be 20 months reserves). Compensating Factors: 1) LTV. 2) Stable Employment History. Guideline variance approved by lender at time of origination.

Borrower has employment stability for 25 years in the same business.		 Reviewer Comment (2017-11-09): Credit Risk Summary & Exception approval p7
       11/09/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202520185 [Redacted] [Redacted] 4778833 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Deposits from checking account #xxxxx excluded from Bank Statement income. Also, monthly flood insurance premium included in DTI (even though not escrowed). Borrower has employment stability for 25 years in the same business.

68.421% LTV > 70.00% LTV		 Reviewer Comment (2017-11-23): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) LTV. 2) Stable Employment History.
       11/23/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202520185 [Redacted] [Redacted] 4778883 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.75060% or Final Disclosure APR of 6.79700% is in excess of allowable threshold of APOR 3.75% + 1.5%, or 5.25000%.  Non-Compliant Higher Priced Mortgage Loan. DTI   Reviewer Comment (2017-11-23): Received exception approval for DTI
 11/23/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202520185 [Redacted] [Redacted] 4778884 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI   Reviewer Comment (2017-11-23): Received exception approval for DTI
 11/23/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202520185 [Redacted] [Redacted] 4778885 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2017-11-23): Received exception approval for DTI
 11/23/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202520185 [Redacted] [Redacted] 4778887 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2017-11-23): Received exception approval for DTI
 11/23/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202520186 [Redacted] [Redacted] 4758287 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520186 [Redacted] [Redacted] 4758332 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Down payment funds not properly sourced and documented. Per letter in file, borrower has taken xxxxxx loan and has proceeds from sale of asset; however, these funds are not shown to have been deposited and are not reflected on statements.   Reviewer Comment (2017-12-05): Received copy of printout for xxxxx showing deposit of $31,000 (21,000+10,000).
 12/05/2017       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520186 [Redacted] [Redacted] 4758366 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-05): Received
 12/05/2017       1 [Redacted] MI Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202520186 [Redacted] [Redacted] 4769313 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Title Error: Title vesting does not concur with deed   Warranty Deed conveying title to Borrowers reflects incorrect spelling of Co-borrower's name. Deed reflects Co-borrower's first name spelled xxxxxper Note and verification of identification.   Reviewer Comment (2018-02-21): Received updated copy of warranty deed, correcting name and proof that it is being sent to be re-recorded
 02/21/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202520186 [Redacted] [Redacted] 4769860 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xx/xx/xxxx)     Reviewer Comment (2017-12-05): Received proof of electronic delivery sent xx/xx/xxxx, which is prior to Appraisal date of xx/xx/xxxx.
         2 [Redacted] MI Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202520186 [Redacted] [Redacted] 4779351 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Seller fees on line 1 and 2 of Section C should be in Section H.             2 [Redacted] MI Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202520186 [Redacted] [Redacted] 4781823 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $3.50 for recording fee increase   Reviewer Comment (2017-12-12): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
     12/12/2017   2 [Redacted] MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202520186 [Redacted] [Redacted] 4781824 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $65.00 plus 10% or $71.50.  Insufficient or no cure was provided to the borrower. (0) Recording fee increased   Reviewer Comment (2017-12-12): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
     12/12/2017   2 [Redacted] MI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202520187 [Redacted] [Redacted] 4764177 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202520187 [Redacted] [Redacted] 4766504 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   Missing evidence free and clear, annual tax, insurance and HOA verification for xxxxxxxxxx property

- Missing evidence free and clear, annual tax, insurance and HOA verification for xxxxx

- Missing evidence free and clear, annual tax, insurance and HOA verification for xxxxx

- Missing evidence free and clear, annual tax, insurance and HOA verification for xxxxx		   Reviewer Comment (2017-11-27): Received and updated
 11/27/2017       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202520188 [Redacted] [Redacted] 4763421 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Investment Purchase   C A C A C A C A C A N/A N/A No C A
202599364 [Redacted] [Redacted] 4833982 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599364 [Redacted] [Redacted] 4834153 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] TX Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202599364 [Redacted] [Redacted] 4834155 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $51,956.26 while closing CD seller's fees total $73,094.96.   Reviewer Comment (2017-11-28): Rec'd LOE, corrected CD and evidence of emailing.
     11/28/2017   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202599366 [Redacted] [Redacted] 4825268 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval, pg 8. DTI > maximum allowed. Compensating factors: 1) reserves 2) residual income Reserves required by guidelines are 6 months. Borrower has documented 84 months in excess of the requirement.

Residual income required of $2,000. Borrower has documented $4,441.35 in excess of required residual income.		 Reviewer Comment (2017-11-15): Exception in file:  DTI > maximum allowed.
       11/15/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599366 [Redacted] [Redacted] 4825299 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599366 [Redacted] [Redacted] 4825420 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-15): rec'd e-consent
 12/15/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202599366 [Redacted] [Redacted] 4825421 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/312462) Annual flood premium $559 / 12 =  $46.58.  The CD reflects $46.67/month.   Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-12-15): This was not corrected on the PC CD dated xx/xx/xxxx.
     12/19/2017   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202599366 [Redacted] [Redacted] 4825422 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/312463) Annual flood premium $559 / 12 =  $46.58.  The CD reflects $46.67/month.   Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-12-15): This was not corrected on the PC CD dated xx/xx/xxxx.
     12/19/2017   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202599366 [Redacted] [Redacted] 4825423 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/312464) Annual flood premium $559 / 12 =  $46.58.  The CD reflects $46.67/month.   Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-12-15): This was not corrected on the PC CD dated xx/xx/xxxx.
     12/19/2017   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202599366 [Redacted] [Redacted] 4825424 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/312461) Annual flood premium $559 / 12 =  $46.58.  The CD reflects $46.67/month.   Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-12-15): This was not corrected on the PC CD dated xx/xx/xxxx.
     12/19/2017   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202599366 [Redacted] [Redacted] 4825426 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-15): rec'd seller's CD
 12/15/2017       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202599366 [Redacted] [Redacted] 4825513 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/312461) Annual flood premium $559 / 12 =  $46.58.  The CD reflects $46.67/month.   Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-12-15): This was not corrected on the PC CD dated xx/xx/xxxx.
     12/19/2017   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202599366 [Redacted] [Redacted] 4836583 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property taxes are reflected in Section H.  Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.   Reviewer Comment (2017-12-19): Not corrected on xx/xx/xxxx CD.


Reviewer Comment (2017-12-15): This was not corrected on the PC CD dated xx/xx/xxxx.  The taxes are showing in both F and H.
         2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202599367 [Redacted] [Redacted] 4810064 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599367 [Redacted] [Redacted] 4810276 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202599367 [Redacted] [Redacted] 4810331 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-22): Rec'd LOE, corrected CD and evidence of emailing.
     11/22/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202599368 [Redacted] [Redacted] 4826283 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 691 < 700 @ approved $xxx loan amount under approved Portfolio Select Bank Statement program.  Lender's Credit Risk Summary & Exception Approval does not acknowledge exception.  1008 Transmittal states "use broker credit score".   Score not specified on 1008 or  Credit Risk Summary & Exception Approval.  A copy of Broker's credit report is not in file. 26.903% DTI on this Bank Statement documentation loan < 45% guideline max Reviewer Comment (2017-11-27): Received Credit Risk Summary & Exception Approval. Credit Score < program requirements. Compensating Factors: 1) DTI. 2) Stable Employment History.
       11/27/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599368 [Redacted] [Redacted] 4826384 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-27): Received
 11/27/2017       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202599368 [Redacted] [Redacted] 4826467 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.             2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202599368 [Redacted] [Redacted] 4826468 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $630.00 Termite Bond Prepayment fee and additional $4.00 Recording fee amount paid by Seller at closing is not reflected on the consumer's CD             2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202599368 [Redacted] [Redacted] 4881062 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing. 26.903% DTI on this Bank Statement documentation loan < 45% guideline max Reviewer Comment (2017-11-27): Received Credit Risk Summary & Exception approval for income documentation dated outside 10 days of closing and a Good Search for xxxxx(xx/xx/xxxx), With SoS showing borrower Registered agent


Reviewer Comment (2017-11-27): Received documentation for business called xxxxx. Need something for xxxxx as per income documents and Final 1003.
       11/27/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599369 [Redacted] [Redacted] 4837984 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 45.33% > 45% Portfolio Select Bank Statement program.  Lender's 45.26% DTI. Borrower on this Bank Statement documentation loan has a disposable income of $36,108.77

718 > 700 score		 Reviewer Comment (2017-12-29): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Credit Score. 2) Residual Income.
       12/29/2017 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202599369 [Redacted] [Redacted] 4838074 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   $xxx dwelling coverage < $xxx cost to rebuild and $xxx original loan amount. Revised Declaration in file does not indicate policy contains 100% Guaranteed Replacement Cost coverage.  A copy of Lender's Documented Insured Value documenting reconstruction cost was not provided.   Reviewer Comment (2018-01-25): Based on section II, Paragraph B Section 1, it states insurance will pay any necessary additional reconstruction cost up to 100% of the coverage limit shown for that location...


Reviewer Comment (2017-12-29): Received same documentation as in loan file. Need something stating either 100% Replacement cost or Guaranteed Replacement cost.
 01/25/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202599369 [Redacted] [Redacted] 4838316 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing copy of xxxxx statement dated within 90 days of xxxxxx Note date to support $319,676.01 in assets stated per final signed 1003.   Reviewer Comment (2017-12-29): Received Exception approval to use aged asset.


Reviewer Comment (2017-12-29): Asset provided is 97 days old, need newer statement to use.


Reviewer Comment (2017-12-29): xx


Reviewer Comment (2017-12-29): Received xxxxxx asset statement with $319,676.01 balance.
 12/29/2017       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202599369 [Redacted] [Redacted] 4838320 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing copy of xxxxx statement dated within 90 days of xxxxx Note date to support $319,676.01 in assets stated per final signed 1003. Borrower on this Bank Statement documentation loan has a disposable income of $36,108.77

718 > 700 score		 Reviewer Comment (2017-12-29): Received Credit Risk Summary & Exception Approval. Asset Documentation Age exceeds guidelines. Compensating Factors: Credit Score. 2) Residual Income.


Reviewer Comment (2017-12-29): Asset provided is 97 days old, need newer statement to use.
       12/29/2017 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202599369 [Redacted] [Redacted] 4838494 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum.   Reserves < minimum.   Reviewer Comment (2017-12-29): Received exception approval for DTI
 12/29/2017       1 [Redacted] FL Second Home Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202599369 [Redacted] [Redacted] 4838495 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum.   Reserves < minimum.   Reviewer Comment (2017-12-29): Received exception approval for DTI
 12/29/2017       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202599369 [Redacted] [Redacted] 4839953 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Lender's DTI includes monthly payment per creditor's letter dated xxx vs reported payment per credit report dated xx/xx/xxxx.  Borrower paid down prior to closing in order to qualify.  xxxxx reported payment  $2,373.00 on $xxx unpaid balance per credit report dated xx/xx/xxxx.   Per xxxxxx)  letter, current principal balance $24,020.00 with a $672.77 monthly payment amount is $672.77 due the 22nd of each month.  Reported account is installment.   Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors:  DTI and Residual Income. DTI, residual income Reviewer Comment (2017-11-20): Exception in file
       11/20/2017 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202599369 [Redacted] [Redacted] 4840494 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Aged document: Asset Account date is more than 90 days prior to the note. Financial Institution: xxxx / End Date: xxxxx // Account Type: Money Markets / Account Number: xxxx Asset Account Date: ___
Asset Account Date: ___		 Missing updated xxxx statement for account xxxx.  Statement dated xxxx is > 90 days old max on xxxxx Note date. Borrower on this Bank Statement documentation loan has a disposable income of $36,108.77

718 > 700 score		 Reviewer Comment (2017-12-29): Received Credit Risk Summary & Exception Approval. Assets Documentation Age exceeds guidelines. Compensating Factors: 1) Credit Score. 2) Residual Income.
       12/29/2017 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202599369 [Redacted] [Redacted] 4840561 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing copy of Fxxxx  statement dated within 90 days of xx/xx/xxxx Note date to support $319,676.01 in assets stated per final signed 1003.   Reviewer Comment (2017-12-29): Received
 12/29/2017       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202599369 [Redacted] [Redacted] 4840847 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/0xx/xx/xxxx) $160.00 HOA fee and $100.00 Attorney fee paid by Seller at closing per Seller CD not disclosed on Consumer's Cd   Reviewer Comment (2017-12-29): Rec'd LOE, corrected CD and evidence of emailing.
     12/29/2017   2 [Redacted] FL Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202599370 [Redacted] [Redacted] 4810965 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599370 [Redacted] [Redacted] 4811390 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-27): Received


Buyer Comment (2017-11-22): fr
 11/27/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202599370 [Redacted] [Redacted] 4848983 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $8,465.00 while closing CD seller's fees total $8,256.00.             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202599370 [Redacted] [Redacted] 4850521 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. Loan amount of $xxx is less than $150,000.00 guideline minimum for primary residence with Lender paid compensation.  Lender exception approval not provided. 26.34% DTI on this Full documentation loan < 45% guideline max Reviewer Comment (2017-11-27): Received Credit Risk Summary & Exception Approval. Other: note loan amount $xxx is less than guideline minimum loan amount of $150,000. Compensating Factors: 1) DTI. 2) Stable Employment History.


Buyer Comment (2017-11-22): fr
       11/27/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599371 [Redacted] [Redacted] 4798291 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-11-15): Received
 11/15/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202599371 [Redacted] [Redacted] 4815887 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-26): Received LOE and PCCD
   02/26/2018     2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Non QM Yes C B
202599371 [Redacted] [Redacted] 4815888 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $665.00 exceeds tolerance of $650.00.  Insufficient or no cure was provided to the borrower. (7506) Fee disclosed as $660.00 on Loan Estimate dated xx/xx/xxxx, but disclosed as $665.00 on Final Closing Disclosure.  Valid Change of Circumstance not in file. Final Closing Disclosure reflects no Lender credit for tolerance.   Reviewer Comment (2018-02-08): Corrected PC CD provided.
 02/08/2018       1 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Higher Priced QM Non QM Yes C B
202599371 [Redacted] [Redacted] 4816212 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing xxxx YTD Profit and Loss for Co-Borrower's xxx //
Missing third party verification for Borrower's xxxxx		 Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-26): Exception approval for missing P&L, based on DTI, reserves, residual income (from primary job).


Reviewer Comment (2017-11-15): Did not receive needed documents.
       02/26/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Higher Priced QM Non QM No C B
202599371 [Redacted] [Redacted] 4816230 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). xxxxxxxxxxxxxx   Reviewer Comment (2018-02-23): Updated designation per data tape received
 02/23/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202599371 [Redacted] [Redacted] 4816233 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM.     Reviewer Comment (2018-02-23): Updated designation per data tape received
 02/23/2018       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Non QM Yes C B
202599371 [Redacted] [Redacted] 4821574 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing xxxx YTD Profit and Loss for xxx Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-26): Waived by client based on DTI
       02/26/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Higher Priced QM Non QM No C B
202599371 [Redacted] [Redacted] 4821777 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). xxxxxxxxxxxxxx   Reviewer Comment (2018-02-23): Updated designation per data tape received
 02/23/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202599372 [Redacted] [Redacted] 4825643 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NV Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599372 [Redacted] [Redacted] 4825686 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Missing third party prepared Expense Statement specifying the business expenses as a percent of the gross annual revenue required under Portfolio Select Business Bank Statement program   Reviewer Comment (2017-11-30): Received
 11/30/2017       1 [Redacted] NV Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599372 [Redacted] [Redacted] 4828193 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure reflects $36.40 Lender credit for tolerance.  $36.40 < $186.40 total tolerance.   Reviewer Comment (2017-11-30): Rec'd LOE, corrected CD and evidence of emailing.
     11/30/2017   2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202599372 [Redacted] [Redacted] 4828194 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7568) Fee not disclosed on Loan Estimate dated xx/xx/xxxx.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflects an additional $150.00 Lender credit for tolerance.   Reviewer Comment (2017-11-30): Rec'd LOE, corrected CD and evidence of emailing.
     11/30/2017   2 [Redacted] NV Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202599372 [Redacted] [Redacted] 4832085 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Credit Risk Summary & Exception Approval in file, page 7. Payment Shock: Exceeds maximum allowed by program. Compensating Factors: 1) Credit Score. 2) Residual Income. 3) Stable Employment History. Borrower has job stability for 7 years as Self Employed.

Borrower on this Bank Statement documentation loan has a disposable income of $7,637.86		 Reviewer Comment (2017-11-15): Compensating Factors: 1) Credit Score. 2) Residual Income. 3) Stable Employment History.
       11/15/2017 2 [Redacted] NV Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599372 [Redacted] [Redacted] 4832152 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 7. Reserves: Requirements not met. Compensating Factors: 1) Credit Score. 2) Residual Income. 3) Stable Employment History. Borrower has job stability for 7 years as Self Employed.

Borrower on this Bank Statement documentation loan has a disposable income of $7,637.86		 Reviewer Comment (2017-11-15): Compensating Factors: 1) Credit Score. 2) Residual Income. 3) Stable Employment History.
       11/15/2017 2 [Redacted] NV Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599373 [Redacted] [Redacted] 4828079 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599373 [Redacted] [Redacted] 4828303 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-27): Received
 11/27/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202599373 [Redacted] [Redacted] 4828309 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $12,106.50 while closing CD seller's fees total $12,121.10.   Reviewer Comment (2017-12-15): Rec'd LOE, corrected CD and evidence of emailing.
     12/15/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202599374 [Redacted] [Redacted] 4836707 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599374 [Redacted] [Redacted] 4836945 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.   Reviewer Comment (2017-11-27): Received
 11/27/2017       1 [Redacted] MD Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202599374 [Redacted] [Redacted] 4838643 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Guideline Issue: Derogatory rental history  outside of credit guidelines   1 x 30 (12/2016) x 12 months > 0 x 30 x 12 and 1 x 30 x 24 max residential pay history under Portfolio Select Bank Statement program.   1 x 30 reported on mortgage secured by current residence to become rental post closing.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: DTI and Reserves 11 months reserves > 6 months guideline minimum - borrowers have verified reserves of $34,562.27.

38.88% DTI on this bank statement documentation loan < 45% guideline max - 6.12% below program guideline maximum		 Reviewer Comment (2017-11-15): Lender exception approval provided.
       11/15/2017 2 [Redacted] MD Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599375 [Redacted] [Redacted] 4828548 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599375 [Redacted] [Redacted] 4828602 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Federal HPML 2014 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.71080% or Final Disclosure APR of 7.76100% is in excess of allowable threshold of APOR 3.73% + 1.5%, or 5.23000%.  Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-29): Client accepts
       11/29/2017 1 [Redacted] IL Primary Purchase   A A A A A A A A A A Non QM Non QM No C B
202599375 [Redacted] [Redacted] 4828603 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-28): Received
 11/28/2017       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202599375 [Redacted] [Redacted] 4828606 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $29,653.00 while closing CD seller's fees total $26,653.00.   Reviewer Comment (2017-11-29): Rec'd LOE, corrected CD and evidence of emailing.
     11/29/2017   2 [Redacted] IL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202599375 [Redacted] [Redacted] 4849833 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 2.27 months < 3 months Non-Prime program.  Lender's Credit Risk Summary & Exception Approval in file (pg 6).  Compensating factors: DTI and Payment shock Payment shock of 19.19035% < 350% guideline maximum.

37.46% DTI on this Full documentation loan < 45% guideline max - 7.54% below program guideline maximum		 Reviewer Comment (2017-11-16): Lender exception approval provided.
       11/16/2017 2 [Redacted] IL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599375 [Redacted] [Redacted] 4883260 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA transfer fee captured in Section C of Closing Disclosure.   Reviewer Comment (2017-11-29): Rec'd LOE, corrected CD and evidence of emailing.
     11/29/2017   2 [Redacted] IL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202599377 [Redacted] [Redacted] 4825211 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided       Reviewer Comment (2017-11-29): Received
 11/29/2017       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202599377 [Redacted] [Redacted] 4830124 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Approved xxx% LTV on approved Rate/Term refinance based on lower of 2 full appraised value vs. lower of appraised value or sales price for Borrower with xxx months ownership seasoning. 1004 value amounts $xxx and $xxx.  Acquisition (sales) price $xxx.  Ownership seasoning 5 months 6 days on xxxxx Note date.  Subject purchased xxxxx.  1008 Transmittal acknowledges use of lower of 2 appraisals used for LTV determination.
**Lender Exception approval form was not provided.		 13% DTI on this Bank Statement documentation loan <45% guideline max Reviewer Comment (2017-11-29): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       11/29/2017 2 [Redacted] CA Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202599378 [Redacted] [Redacted] 4820347 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Federal HPML 2014 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.09490% or Final Disclosure APR of 7.11600% is in excess of allowable threshold of APOR 3.73% + 2.5%, or 6.23000%.  Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-29): Client accepts
       11/29/2017 1 [Redacted] CA Primary Purchase   A A A A A A A A A A Non QM Non QM No B B
202599378 [Redacted] [Redacted] 4820349 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-28): Received
 11/28/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No B B
202599378 [Redacted] [Redacted] 4822203 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) The seller's CD reflects $96,957.87 whereas the borrower's CD reflects $98,823.87.   Reviewer Comment (2017-11-30): Rec'd LOE, corrected CD and evidence of emailing. But PCCD dated xx/xx/xxxx is missing number of months taxes collected in Section F.
         2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes B B
202599379 [Redacted] [Redacted] 4839373 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Safe Harbor QM Safe Harbor QM No C A
202599379 [Redacted] [Redacted] 4839627 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient xxxxxxxxxxxxxx   Reviewer Comment (2017-11-29): Received
 11/29/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Safe Harbor QM Safe Harbor QM No C A
202599379 [Redacted] [Redacted] 4839629 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). xxxxxxxxxxxxxx   Reviewer Comment (2017-11-29): Received
 11/29/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Safe Harbor QM Safe Harbor QM No C A
202599379 [Redacted] [Redacted] 4839631 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. Now Safe Harbor QM   Reviewer Comment (2017-12-06): Received Amended Data Tape changing to SHQM
 12/06/2017       1 [Redacted] TX Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Safe Harbor QM Safe Harbor QM Yes C A
202599379 [Redacted] [Redacted] 4839639 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $4,530 increase in discount points.   Reviewer Comment (2017-11-30): Received Change of Circumstance document dated xx/xx/xxxx
 11/30/2017       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Safe Harbor QM Safe Harbor QM Yes C A
202599379 [Redacted] [Redacted] 4839641 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $5,285.00 exceeds tolerance of $755.00.  Insufficient or no cure was provided to the borrower. (7200) Fee disclosed as $755.00 on Loan Estimate dated xx/xx/xxxx and Initial Closing Disclosure dated xx/xx/xxxx but disclosed as $5,285.00 on Final Closing Disclosure.   Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for $4,530.00 tolerance.   Reviewer Comment (2017-11-30): Received Change of Circumstance document dated xx/xx/xxxx
 11/30/2017       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Safe Harbor QM Safe Harbor QM Yes C A
202599379 [Redacted] [Redacted] 4850429 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided       Reviewer Comment (2017-11-29): Received
 11/29/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Safe Harbor QM Safe Harbor QM No C A
202599379 [Redacted] [Redacted] 4885221 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower. Calculated Available for Closing of ___ is less than Cash From Borrower of  ___. Jumbo Prime does not allow gift funds.   Reviewer Comment (2017-11-30): Received xx/xx/xxxx Matrix LTV's > 80% borrower must make 5% minimum contribution
 11/30/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Safe Harbor QM Safe Harbor QM No C A
202599380 [Redacted] [Redacted] 4827303 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. The CD reflects $712.55 whereas the Escrow Account Disclosure reflects $1,425.10.   Reviewer Comment (2017-12-26): Received revised EAD
 12/26/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other   B A B A B A B A B A Non QM Non QM No C B
202599380 [Redacted] [Redacted] 4827305 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-12-15): rec'd disclosure signed by lender
 12/15/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202599380 [Redacted] [Redacted] 4827307 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202599380 [Redacted] [Redacted] 4827309 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Missing the Mortgage Broker contact name.   Reviewer Comment (2017-12-18): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-12-15): Rec'd LOE and evidence of emailing, missing corrected CD.
     12/18/2017   2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202599380 [Redacted] [Redacted] 4827311 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 04 number of months is blank.   Reviewer Comment (2017-12-26): Received CD for a different file.
         2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202599380 [Redacted] [Redacted] 4827314 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Texas Attorney Doc Prep.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7543)           11/14/2017   1 [Redacted] TX Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202599380 [Redacted] [Redacted] 4827567 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202599380 [Redacted] [Redacted] 4834878 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Credit Risky Summary & Exception Approval, pg 7. LTV: Allowing cash out for this loan with a 630 score. Compensating Factors: 1) DTI 2) LTV Low front end ratio. Reviewer Comment (2017-11-15): Exception in file:  LTV  Allowing cash out for this loan with 630 score.
       11/15/2017 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202599380 [Redacted] [Redacted] 4838653 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7537)           11/15/2017   1 [Redacted] TX Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202599381 [Redacted] [Redacted] 4820431 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202599382 [Redacted] [Redacted] 4832016 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202599383 [Redacted] [Redacted] 4840274 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-12-15): rec'd flood cert
 12/15/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
202599383 [Redacted] [Redacted] 4840768 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker Contact field is blank   Reviewer Comment (2018-01-18): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-12-21): Received PCCD dated xx/xx/xxxx with no LOE to Borrower. Mortgage Broker Contact name is still missing.
   01/18/2018     3 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C C C C C C C C C C Non QM Non QM Yes C C
202599383 [Redacted] [Redacted] 4840769 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.  $10,014.37 Property Taxes paid by Borrower at closing disclosed   Reviewer Comment (2018-01-18): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-12-21): Received PCCD dated xx/xx/xxxx with no LOE to Borrower.
   01/18/2018     2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C C
202599383 [Redacted] [Redacted] 4842078 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $10,014.37 Property Taxes paid by Seller at closing per Consumer's CD  not disclosed on Seller's CD   Reviewer Comment (2018-01-18): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-12-21): Received PCCD dated xx/xx/xxxx with no LOE to Borrower. Borrower CD total of $67,671.87 still does not match Seller CD total of $57,671.50.
   01/18/2018     2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C C
202599383 [Redacted] [Redacted] 4855819 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI exceeds max of 45%; Alimony to continue for 216 consecutive monthly payments of $6,000.00.  Lender did not included this in debts, however, no evidence in file that all payments have been made.  Date payments started is xx/xx/xxxx and would continue through xx/xx/xxxx.  Also, no evidence of wife's remarriage provided if this is the reason for ending payments.  Alimony to increase 5% every two years starting xx/xx/xxxx.  Current payment is $7,293.04.
Additionally, Child support would increase an additional $2,000.00 a month at the time alimony ends.  If alimony did end we need verification of the date to accurately calculate the current child support payment.		 Borrower on this Full documentation loan has a disposable income of $30,203.02 > $2,900.00 guideline minimum with 6 dependents.

125.12 months reserves > 6 months guideline minimum - borrowers have verified reserves of $1,250,529.51.		 Reviewer Comment (2018-01-18): Rec'd exception for DTI > maximum allowed.  Revised DTI 48%.
       01/18/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C C
202599383 [Redacted] [Redacted] 4855850 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   xxxx Tax liability not paid prior to closing; Lender exception approval (pg. 11) with comp factors of reserves, residual income and DTI.  DTI not used as comp factor due to DTI exception. Borrower on this Full documentation loan has a disposable income of $30,203.02 > $2,900.00 guideline minimum with 6 dependents.

125.12 months reserves > 6 months guideline minimum - borrowers have verified reserves of $1,250,529.51.		 Reviewer Comment (2017-11-16): Lender exception approval provided.
       11/16/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C C
202599383 [Redacted] [Redacted] 4855885 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI exceeds guideline max.   Reviewer Comment (2018-01-18): Rec'd DTI exception
 01/18/2018       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C C
202599383 [Redacted] [Redacted] 4855886 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI exceeds guideline max.   Reviewer Comment (2018-01-18): Rec'd DTI exception
 01/18/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
202599384 [Redacted] [Redacted] 4805097 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.               2 [Redacted] CA Primary Purchase   B B B B B B B B B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No C B
202599384 [Redacted] [Redacted] 4805098 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. E-sign consent not in ile   Reviewer Comment (2017-11-22): Received
 11/22/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No C B
202599384 [Redacted] [Redacted] 4805294 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) Final CD does not fully disclose why loan is not escrowed   Reviewer Comment (2017-11-22): Rec'd LOE, corrected CD and evidence of emailing.
     11/22/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes C B
202599384 [Redacted] [Redacted] 4805316 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.     Reviewer Comment (2017-11-28): Received Final HUD1 on 1st mortgage showing debts paid thru escrow.


Reviewer Comment (2017-11-22): DTI cannot be waived, need revised AUS findings.
 11/28/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No C B
202599384 [Redacted] [Redacted] 4805349 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No C B
202599384 [Redacted] [Redacted] 4805636 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). Higher Price QM per Data Tape   Reviewer Comment (2017-11-29): Received Amended Data Tape changing to Temp SHQM
 11/29/2017       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes C B
202599384 [Redacted] [Redacted] 4808801 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit AUS Findings: Qualifying asset balance discrepancy.   No proof in file that $xxxxxx funds were transferred to the closing agent by the donor.   Reviewer Comment (2017-11-22): Received copy of wire information
 11/22/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No C B
202599384 [Redacted] [Redacted] 4808853 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Servicing Disclosure Status File does not evidence the consumer was provided with the Servicing Disclosure. Box not selected on disclosure             2 [Redacted] CA Primary Purchase Good faith redisclosure B B B B B B B B B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes C B
202599385 [Redacted] [Redacted] 4807114 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C B
202599385 [Redacted] [Redacted] 4811505 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Bank Statements not provided   6 months reserves required at closing, cash from refinance not allowed for cash reserves 65% LTV < 75% max Reviewer Comment (2017-11-13): Credit Risk Summary & Exception approval p7
       11/13/2017 2 [Redacted] TX Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202599385 [Redacted] [Redacted] 4811516 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Guideline Requirement: Available for Reserves discrepancy. Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. 6 months reserves required at closing, cash from refinance not allowed for cash reserves 65% LTV < 75% max Reviewer Comment (2017-11-13): Credit Risk Summary & Exception approval p7
       11/13/2017 2 [Redacted] TX Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202599386 [Redacted] [Redacted] 4813736 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599386 [Redacted] [Redacted] 4815203 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 0.24 months < 6 months Portfolio Select Bank Statement program.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Payment Shock and Residual Income Residual income, payment shock. Reviewer Comment (2017-11-19): Exception in file:  Reserve requirements not met.
       11/19/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599386 [Redacted] [Redacted] 4815227 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Federal HPML 2014 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.90660% or Final Disclosure APR of 6.93100% is in excess of allowable threshold of APOR 3.73% + 1.5%, or 5.23000%.  Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-29): Client accepts
       11/29/2017 1 [Redacted] FL Primary Purchase   A A A A A A A A A A Non QM Non QM No C B
202599386 [Redacted] [Redacted] 4815228 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-30): Received
 11/30/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202599386 [Redacted] [Redacted] 4815230 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.   Reviewer Comment (2017-11-30): Rec'd LOE, corrected CD and evidence of emailing.
     11/30/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202599387 [Redacted] [Redacted] 4828662 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202599387 [Redacted] [Redacted] 4837809 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-11-27): Received
 11/27/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202599388 [Redacted] [Redacted] 4810661 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-15): Rec'd e-consent
 12/15/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202599388 [Redacted] [Redacted] 4810666 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $74,546.50 > $74,537.27   Reviewer Comment (2017-12-26): Rec'd LOE, corrected CD and evidence of emailing.
     12/26/2017   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202599388 [Redacted] [Redacted] 4813222 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided   Missing Fraud Report   Reviewer Comment (2017-12-15): Rec'd fraud report
 12/15/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599388 [Redacted] [Redacted] 4814711 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   No exception approval found in file for use of multiple bank accounts for Business Bank Statement income. Also, one account (#xxxx) is missing 5 of the 24 months. // Bank Statement Matrix xxxxxx : 24 month statements required; maximum one account. Credit score, credit history, residual income, stable employment history Reviewer Comment (2017-12-15): Rec'd exception for:  DTI exceeds guidelines and Alternative income calculation used (using 4 business bank accounts for income calculation).
       12/15/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599388 [Redacted] [Redacted] 4827883 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Power of Attorney (POA) not provided   Missing specific Power of Attorney for Co-Borrower.   Reviewer Comment (2017-12-15): Rec'd POA
 12/15/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599388 [Redacted] [Redacted] 4827900 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $1,050.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)           11/14/2017   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202599388 [Redacted] [Redacted] 4827905 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Lender exception approval not found in file. Credit score, credit history, residual income, stable employment history Reviewer Comment (2017-12-15): Rec'd exception for:  DTI exceeds guidelines and Alternative income calculation used (using 4 business bank accounts for income calculation).
       12/15/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599388 [Redacted] [Redacted] 4827952 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2017-12-15): Rec'd exception for DTI
 12/15/2017       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202599388 [Redacted] [Redacted] 4827953 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2017-12-15): Rec'd exception for DTI
 12/15/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599388 [Redacted] [Redacted] 5223764 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75197)           12/26/2017   1 [Redacted] CA Primary Purchase Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C B
202599389 [Redacted] [Redacted] 4815376 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202599389 [Redacted] [Redacted] 4815477 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)     Reviewer Comment (2017-11-29): Received Title Policy showing T-42 is included.
 11/29/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A B A B A B A B A Non QM Non QM No C B
202599389 [Redacted] [Redacted] 4815478 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-11-29): Received
 11/29/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202599389 [Redacted] [Redacted] 4815479 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/xx/xx/xxxx) Acknowledgement that Loan Assumptions Are Not Permitted is not in file   Reviewer Comment (2017-11-29): Rec'd LOE, corrected CD and evidence of emailing.
     11/29/2017   2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202599389 [Redacted] [Redacted] 4815480 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Mortgage Broker Contact NMLS ID # field is blank   Reviewer Comment (2017-11-29): Rec'd LOE, corrected CD and evidence of emailing.
     11/29/2017   2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202599389 [Redacted] [Redacted] 4815487 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.  $7,858.44 Property Taxes paid by Borrower at closing disclosed.   Reviewer Comment (2017-11-29): Rec'd LOE, corrected CD and evidence of emailing.
     11/29/2017   2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202599389 [Redacted] [Redacted] 4815488 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) The $235 credit on the final CD is insufficient to cure the $299.44 violation (0% = $87.50 discount points, $3.94 increase in credit report, $3 Guaranty fee, $200 attorney fee.  10% = $5 recording fee)   Reviewer Comment (2017-12-29): Rec'd a copy of refund check and proof of delivery.


Reviewer Comment (2017-11-29): Received revised PCCD dated xx/xx/xxxx with LOE to Borrower. Missing copy of check for the additional $64.44 refund to Borrower with proof of delivery.
     12/29/2017   2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202599389 [Redacted] [Redacted] 4815489 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) The earliest CD in file is dated xx/xx/xxxx.   Reviewer Comment (2017-12-29): Received early CD dated xx/xx/xxxx
 12/29/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202599389 [Redacted] [Redacted] 4815490 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $170.00 exceeds tolerance of $150.00 plus 10% or $165.00.  Insufficient or no cure was provided to the borrower. (0) The $235 credit on the final CD is insufficient to cure the $299.44 violation (0% = $87.50 discount points, $3.94 increase in credit report, $3 Guaranty fee, $200 attorney fee.  10% = $5 recording fee)   Reviewer Comment (2017-12-29): Rec'd a copy of refund check and proof of delivery.


Reviewer Comment (2017-11-29): Received revised PCCD dated xx/xx/xxxx with LOE to Borrower. Missing copy of check for the additional $64.44 refund to Borrower with proof of delivery.
     12/29/2017   2 [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202599389 [Redacted] [Redacted] 4815491 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,192.50 exceeds tolerance of $1,105.00.  Insufficient or no cure was provided to the borrower. (7200) The Change of Circumstance is dated xx/xx/xxxx however the revised LE is dated 10/6/17.  The $235 credit on the final CD is insufficient to cure the $299.44 violation (0% = $87.50 discount points, $3.94 increase in credit report, $3 Guaranty fee, $200 attorney fee.  10% = $5 recording fee)   Reviewer Comment (2017-12-29): Rec'd a copy of refund check and proof of delivery.


Reviewer Comment (2017-11-29): Received revised PCCD dated xx/xx/xxxx with LOE to Borrower. Missing copy of check for the additional $64.44 refund to Borrower with proof of delivery.
     12/29/2017   2 [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202599389 [Redacted] [Redacted] 4815492 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $103.94 exceeds tolerance of $100.00.  Insufficient or no cure was provided to the borrower. (7520) The $235 credit on the final CD is insufficient to cure the $299.44 violation (0% = $87.50 discount points, $3.94 increase in credit report, $3 Guaranty fee, $200 attorney fee.  10% = $5 recording fee)   Reviewer Comment (2017-12-29): Rec'd a copy of refund check and proof of delivery.


Reviewer Comment (2017-11-29): Received revised PCCD dated xx/xx/xxxx with LOE to Borrower. Missing copy of check for the additional $64.44 refund to Borrower with proof of delivery.
     12/29/2017   2 [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202599389 [Redacted] [Redacted] 4815494 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title Guaranty Fee.  Fee Amount of $3.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) The $235 credit on the final CD is insufficient to cure the $299.44 violation (0% = $87.50 discount points, $3.94 increase in credit report, $3 Guaranty fee, $200 attorney fee.  10% = $5 recording fee)   Reviewer Comment (2017-12-29): Rec'd a copy of refund check and proof of delivery.


Reviewer Comment (2017-11-29): Received revised PCCD dated xx/xx/xxxx with LOE to Borrower. Missing copy of check for the additional $64.44 refund to Borrower with proof of delivery.
     12/29/2017   2 [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202599389 [Redacted] [Redacted] 4826838 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7537) The $235 credit on the final CD is insufficient to cure the $299.44 violation (0% = $87.50 discount points, $3.94 increase in credit report, $3 Guaranty fee, $200 attorney fee.  10% = $5 recording fee)   Reviewer Comment (2017-12-29): Rec'd a copy of refund check and proof of delivery.


Reviewer Comment (2017-11-29): Received revised PCCD dated xx/xx/xxxx with LOE to Borrower. Missing copy of check for the additional $64.44 refund to Borrower with proof of delivery.
     12/29/2017   2 [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202599389 [Redacted] [Redacted] 4826938 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. 41.54% > 40% Portfolio Select.  Unable to determine source of child support income used to qualify.  The divorce decree reflects $2,550 per month.  The math on the final 1003 is inaccurate. 44.22 < 45% maximum DTI

7.5 > 6 months reserves required (from cash-out)		 Reviewer Comment (2017-11-29): Received Credit Risk Summary & Exception Approval. DTI - calculated investor housing ratio of 41.54 exceeds guideline ratio of 41%.
       11/29/2017 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202599390 [Redacted] [Redacted] 4826759 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower has 1x30 in last 24mo which is not permitted per guidelines. Guideline variance approved by lender at time of origination Reviewer Comment (2017-11-15): Credit Risk Summary & Exception approval p6
       11/15/2017 2 [Redacted] FL Investment Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B N/A   No C B
202599390 [Redacted] [Redacted] 4827267 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A N/A   No C B
202599391 [Redacted] [Redacted] 4830791 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Credit Report Error: Missing source document for credit/housing history.   Lender exception granted for not meeting housing history due to employer paid housing; guidelines require 0x30x12 and rent-free not allowed for 90% LTV. Lender exception approval (pg. 51) with comp factor of excess residual income. Borrower on this full doc loan has a disposable income of $6,717.02 > $2,000.00 guideline minimum. Reviewer Comment (2017-11-15): Lender exception approval provided.
       11/15/2017 2 [Redacted] CO Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599391 [Redacted] [Redacted] 4830807 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 4.11 months reserves < 6 month guideline minimum.  Lender exception approval (pg. 51) with comp factor of excess residual income. Borrower on this full doc loan has a disposable income of $6,717.02 > $2,000.00 guideline minimum. Reviewer Comment (2017-11-15): Lender exception approval provided.
       11/15/2017 2 [Redacted] CO Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599391 [Redacted] [Redacted] 4830809 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CO Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202599391 [Redacted] [Redacted] 4830815 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-15): rec'd e-consent
 12/15/2017       1 [Redacted] CO Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202599391 [Redacted] [Redacted] 4830816 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $26,162.62 while closing CD seller's fees total $26,962.62.             2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202599391 [Redacted] [Redacted] 4839382 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. FICO of 670 is less than 680 guideline minimum for 90% LTV program; no lender exception approval provided. Borrower on this full doc loan has a disposable income of $6,717.02 > $2,000.00 guideline minimum. Reviewer Comment (2018-01-18): Rec'd exception for LTV exceeds maximum by 5%.
       01/18/2018 2 [Redacted] CO Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202599391 [Redacted] [Redacted] 4842095 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower is purchasing primary residence that is 225 miles from place of employment; No employer letter or LOE from borrower.   Reviewer Comment (2018-01-18): Rec'd attestation that the xxxx provides lodging when the borrower goes into the office.
 01/18/2018       1 [Redacted] CO Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643232 [Redacted] [Redacted] 4851053 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643232 [Redacted] [Redacted] 4854099 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-12): Received
 12/12/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202643232 [Redacted] [Redacted] 4854176 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $5.00 additional Recording fee amount paid by Seller at closing per Seller's CD not disclosed on Consumer's CD and $150.00 Document Preparation fee paid by Seller at closing  per Consumer's CD not disclosed on Seller's CD   Reviewer Comment (2017-12-12): Rec'd LOE, corrected CD and evidence of emailing.
     12/12/2017   2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202643233 [Redacted] [Redacted] 4852536 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Issue:  Insufficient tradelines per credit guidelines   2 trade lines < 3 minimum requirement per guidelines. Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-05): A lender exception approval is included in trailing docs.  Noted compensating factors:  696 FICO and 13 months reserves (both far exceed guideline requirements)


Reviewer Comment (2018-02-05): Lender exception approval with comp factors received in trailing docs


Reviewer Comment (2017-11-16): No Compensating factors provided on the Credit Risk Summary & Exception approval P1&3
       02/05/2018 2 [Redacted] SC Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202643233 [Redacted] [Redacted] 4852594 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Ineligible property   Rural Property Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-05): A lender exception approval is included in trailing docs.  Noted compensating factors:  696 FICO and 13 months reserves (both far exceed guideline requirements)


Reviewer Comment (2018-02-05): Exception approval with comp factors received in trailing docs


Reviewer Comment (2017-11-16): No Compensating factors provided on the Credit Risk Summary & Exception approval P1&3
       02/05/2018 2 [Redacted] SC Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202643233 [Redacted] [Redacted] 4853069 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Guideline Issue: Derogatory mortgage payments outside of credit guidelines   1 mtg lates in past  24 mos Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-05): A lender exception approval is included in trailing docs.  Noted compensating factors:  696 FICO and 13 months reserves (both far exceed guideline requirements)


Reviewer Comment (2018-02-05): Lender exception approval with comp factors received in trailing docs


Reviewer Comment (2017-11-16): No Compensating factors provided on the Credit Risk Summary & Exception approval P1&3
       02/05/2018 2 [Redacted] SC Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202643233 [Redacted] [Redacted] 4853186 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Ineligible property   Subject is an older home moved to site and added onto and renovated.  It is not on County Records and quite possibly might not be a permitted construction.  County Records indicate that a SWMH is present on the site but it apparently has been moved off. 14 mos of reserves > 6 required Reviewer Comment (2018-02-01): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/01/2018 2 [Redacted] SC Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202643233 [Redacted] [Redacted] 4853235 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Debt service ratio issue   DSR > 90% @ 114% -----  Borrower receives cash for rental, and does not deposit total amount of rental income. Per lease agreement in file borrower increased Lease amount to $2000, however only deposited $1000 for that month.  According to G/L 3 months evidence of higher rent required.  Appraisal 1007 form states Market Rents for subject $1500 14 mos of reserves > 6 required Reviewer Comment (2018-02-01): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/01/2018 2 [Redacted] SC Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202643234 [Redacted] [Redacted] 4854004 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2017-12-14): Received corrected data tape
 12/14/2017       1 [Redacted] FL Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Safe Harbor QM Yes C B
202643234 [Redacted] [Redacted] 4854005 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-14): rec'd e-consent
 12/14/2017       1 [Redacted] FL Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Safe Harbor QM No C B
202643234 [Redacted] [Redacted] 4854008 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $175 Appraisal - Final Inspection Fee was not previously disclosed to the borrower.   Reviewer Comment (2017-12-14): Rec'd LOE and corrected CD
     12/14/2017   2 [Redacted] FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Safe Harbor QM Yes C B
202643234 [Redacted] [Redacted] 4854859 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Missing Document: Hazard Dec Page not provided   Missing copy of HOA Blanket Insurance Policy for condominium property type covering 100% of the insurable replacement cost of the project improvements and common elements.   Reviewer Comment (2018-01-04): Rec'd blanket policy.
 01/04/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Safe Harbor QM No C B
202643234 [Redacted] [Redacted] 4856067 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) $175 Appraisal - Final Inspection Fee was not previously disclosed to the borrower.   Reviewer Comment (2017-12-22): Rec'd LOE, corrected CD, copy of refund check and proof of delivery


Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.  Missing copy of refund check and proof of delivery.
     12/22/2017   2 [Redacted] FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Safe Harbor QM Yes C B
202643234 [Redacted] [Redacted] 4884658 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing.  All three businesses.   Reviewer Comment (2017-12-14): Rec'd printouts from sunbiz.org for all three businesses.
 12/14/2017       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Safe Harbor QM No C B
202643234 [Redacted] [Redacted] 5863130 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated tape date with designation of QM Safe Harbor             2 [Redacted] FL Primary Refinance - Rate/Term Lender to provide updated ATR/QM status   B   B   B   B   B Non QM Safe Harbor QM Yes C B
202643235 [Redacted] [Redacted] 4849550 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Missing Document: Hazard Insurance Policy not provided       Reviewer Comment (2017-12-08): Received
 12/08/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643235 [Redacted] [Redacted] 4855769 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   Lender exception granted for borrower <2yr self-employment history. Borrower is 1099 since xxxxx. Compensating factors: 12yrs in field, good residual income, 777 fico.   Reviewer Comment (2017-12-08): Duplicate


Reviewer Comment (2017-12-08): xx


Buyer Comment (2017-12-05): this should be waived to a 2


Reviewer Comment (2017-11-20): exception in file.
 12/08/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM Yes C B
202643235 [Redacted] [Redacted] 4856649 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643235 [Redacted] [Redacted] 4856655 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit The hazard insurance policy does not reflect the Lender as Payee.   The hazard insurance policy is not provided.   Reviewer Comment (2017-12-08): Received
 12/08/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643235 [Redacted] [Redacted] 4856774 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Disclosure reflects $713.00 homeowner's insurance premium.  Should be $714.00 @ $59.50 per month.  Missing hazard policy.   Reviewer Comment (2017-12-08): Received


Buyer Comment (2017-12-05): it is $713- see hoi policy
 12/08/2017       1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202643235 [Redacted] [Redacted] 4861174 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-08): Received
 12/08/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202643235 [Redacted] [Redacted] 4862007 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower's 22 months self-employment <  2 years self-employed required under Portfolio Select Bank Statement program. Less than 2 years requires Full Documentation of income.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit score, credit history, DTI, payment shock, reserves, residual income and stable employment history DTI, credit score, credit history, payment shock, reserves, residual income and stable employment history. Reviewer Comment (2017-11-20): Exception in file for less than 2 year history of self employment.
       11/20/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202643235 [Redacted] [Redacted] 5084557 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/314023) New exception upon receipt of Evidence of Property Insurance showing yearly premium as $713.00   Reviewer Comment (2017-12-15): Rec'd LOE, corrected CD and evidence of emailing.
     12/15/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable   B   B   B   B   B Non QM Non QM Yes C B
202643235 [Redacted] [Redacted] 5084558 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/314024) New exception upon receipt of Evidence of Property Insurance showing yearly premium as $713.00   Reviewer Comment (2017-12-15): Rec'd LOE, corrected CD and evidence of emailing.
     12/15/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable   B   B   B   B   B Non QM Non QM Yes C B
202643235 [Redacted] [Redacted] 5084559 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/314025) New exception upon receipt of Evidence of Property Insurance showing yearly premium as $713.00   Reviewer Comment (2017-12-15): Rec'd LOE, corrected CD and evidence of emailing.
     12/15/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable   B   B   B   B   B Non QM Non QM Yes C B
202643235 [Redacted] [Redacted] 5084560 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/314026) New exception upon receipt of Evidence of Property Insurance showing yearly premium as $713.00   Reviewer Comment (2017-12-15): Rec'd LOE, corrected CD and evidence of emailing.
     12/15/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable   B   B   B   B   B Non QM Non QM Yes C B
202643235 [Redacted] [Redacted] 5084561 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/314023) New exception upon receipt of Evidence of Property Insurance showing yearly premium as $713.00   Reviewer Comment (2017-12-15): Rec'd LOE, corrected CD and evidence of emailing.
     12/15/2017   2 [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable   B   B   B   B   B Non QM Non QM Yes C B
202643236 [Redacted] [Redacted] 4862190 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Security Instrument not provided       Reviewer Comment (2017-12-15): Received


Reviewer Comment (2017-12-08): Only received first page of Deed of Trust for this file. Other Deed of Trust provided is for Senior lien.
 12/15/2017       1 [Redacted] CA Primary Purchase   D A D A D A D A D A Non QM Non QM No D B
202643236 [Redacted] [Redacted] 4862204 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided       Reviewer Comment (2017-12-08): Received
 12/08/2017       1 [Redacted] CA Primary Purchase   D A D A D A D A D A Non QM Non QM No D B
202643236 [Redacted] [Redacted] 4862378 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No D B
202643236 [Redacted] [Redacted] 4862388 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction ___ Unable to determine transaction date, missing Security Instrument reflecting notary date.   Reviewer Comment (2017-12-27): Loan disbursed/funded xx/xx/xxxx policy effective xx/xx/xxxx cleared as guidelines only state must be in effect for at least 60 days after funding


Buyer Comment (2017-12-27): loan disbursed on xxxxx


Reviewer Comment (2017-12-15): Unable to clear, Mortgage notarized xx/xx/xxxx.


Reviewer Comment (2017-12-08): Only received page 1 of the Security instrument, so unable to determine if Notary date is xx/xx/xxxx or later.
 12/27/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No D B
202643236 [Redacted] [Redacted] 4862715 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-08): Received
 12/08/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No D B
202643236 [Redacted] [Redacted] 4862720 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien TRID Final Closing Disclosure xx/xx/xxxx on a simultaneous subordinate lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xx/xx/xxxx)     Reviewer Comment (2017-11-20): No seller paid fees per seller's CD in file.
     11/20/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes D B
202643236 [Redacted] [Redacted] 4862729 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) It is not indicated whether the borrower declined or the lender does not offer.   Reviewer Comment (2017-12-29): Rec'd LOE, corrected CD and evidence of emailing.


Buyer Comment (2017-12-27): there was no credit to borrower this was a data entry error- uploaded corrected pccd


Reviewer Comment (2017-12-08): Received PCCD dated xx/xx/xxxx with correction. PCCD has revision of fees with Credit to Borrower: Missing LOE for correction, copy of refund check and proof of delivery.
     12/29/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes D B
202643236 [Redacted] [Redacted] 4887560 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing. 49.2 months reserves > 6 months guideline minimum - borrowers have verified reserves of $205,822.80

Borrower on this Full documentation loan has a disposable income of $8,421.46		 Reviewer Comment (2017-12-29): Received Credit Risk Summary & Exception Approval. Income documentation missing - using verification of taxes instead of intrnet search for VOE. Compensating Factors: 1) Reserves. 2) Residual Income.


Reviewer Comment (2017-12-08): Received copy of tax certificate. Need 3rd party verification dated within 10 days of Note, such a Internet search.
       12/29/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No D B
202643236 [Redacted] [Redacted] 5162972 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) New exception upon receipt of Mortgage, notary date is xx/xx/xxxx.   Reviewer Comment (2017-12-29): Rec'd LOE, corrected CD and evidence of emailing.
     12/29/2017   1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure   A   A   A   A   A Non QM Non QM Yes D B
202643237 [Redacted] [Redacted] 4856403 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Servicing Disclosure Status File does not evidence the consumer was provided with the Servicing Disclosure. Missing LE(s).   Reviewer Comment (2017-12-14): Rec'd LE
 12/14/2017       1 [Redacted] CA Primary Purchase Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202643237 [Redacted] [Redacted] 4856410 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Missing LE(s), unable to determine if fees were disclosed to the borrower before closing.   Reviewer Comment (2017-12-14): Rec'd LE dated xx/xx/xxxx
 12/14/2017       1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202643237 [Redacted] [Redacted] 4856412 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TILA-RESPA Integrated Disclosure: application date on or after xxx, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $12,801.50 may be required. Missing LE(s), unable to determine if fees were disclosed to the borrower before closing.   Reviewer Comment (2017-12-14): Rec'd LE dated xx/xx/xxxx
 12/14/2017       1 [Redacted] CA Primary Purchase No Specific remediation if the Loan Estimates were not provided to the consumer. C A C A C A C A C A Non QM Non QM No C B
202643237 [Redacted] [Redacted] 4856414 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7552) Final Closing Disclosure reflects $150.00 Lender credit for tolerance.   Reviewer Comment (2017-11-20): Cured at closing
     11/20/2017   2 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202643237 [Redacted] [Redacted] 4856415 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $1,100.00 exceeds tolerance of $1,000.00.  Insufficient or no cure was provided to the borrower. (7729) Missing LE(s), unable to determine if fees were disclosed to the borrower before closing.   Reviewer Comment (2017-12-14): Rec'd LE dated xx/xx/xxxx
 12/14/2017       1 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202643237 [Redacted] [Redacted] 4863023 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Additional/xx/xx/xxxx) Valuation Received Date xx/xx/xxxx < xx/xx/xxxx secondary Valuation Report Date   Reviewer Comment (2017-12-14): Rec'd another copy of the appraisal.  Missing evidence of receipt of the secondary valuation.
         2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202643237 [Redacted] [Redacted] 4863661 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $36.33 higher Recording fee amount and $104.00 higher amount of Title - Owner's Premium paid by Seller at closing disclosed on Consumer CD not disclosed on Seller's CD.  -$612.00 25% Discount to Seller at closing disclosed on Seller's CD.   Reviewer Comment (2017-12-14): Rec'd LOE and corrected CD.
     12/14/2017   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202643237 [Redacted] [Redacted] 4863979 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 700 (lowest middle score of 2 borrowers)  < 720 @ 90% LTV Portfolio Select Bank Statement program.    700 score supports 85% LTV,   Exception not acknowledged by Lender DTI, residual income Reviewer Comment (2017-12-22): Rec'd exception:  LTV exceeds maximum allowed by program, OK to 90% LTV.
       12/22/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202643237 [Redacted] [Redacted] 4888411 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property taxes are reflected in Section H.  Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.   Reviewer Comment (2017-12-14): Rec'd LOE and corrected CD.
     12/14/2017   2 [Redacted] CA Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202643237 [Redacted] [Redacted] 5147093 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xx/xx/xxxx) Rec'd LE dated xx/xx/xxxx.  The application date is xx/xx/xxxx.   Reviewer Comment (2017-12-22): Rec'd xx/xx/xxxx LE
 12/22/2017       1 [Redacted] CA Primary Purchase No Defined Cure   A   A   A   A   A Non QM Non QM No C B
202643237 [Redacted] [Redacted] 5147094 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7552)           12/14/2017   1 [Redacted] CA Primary Purchase Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C B
202643237 [Redacted] [Redacted] 5147308 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. LE dated xx/xx/xxxx   Reviewer Comment (2017-12-22): Rec'd xx/xx/xxxx LE
 12/22/2017       1 [Redacted] CA Primary Purchase Good faith redisclosure   A   A   A   A   A Non QM Non QM Yes C B
202643239 [Redacted] [Redacted] 4855659 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline issue: Property type is not allowed per credit guidelines.   Property is only 900 sq feet Guideline variance approved by lender at time of origination Reviewer Comment (2017-12-12): Received Credit Risk Summary & Exception Approval. Property: Square footage < minimum allowed for program. Compensating Factors: 1) Payment Shock 2) Stable Employment History.
       12/12/2017 2 [Redacted] GA Investment Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B N/A   No C B
202643239 [Redacted] [Redacted] 4855660 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: xx/xx/xxxx     Reviewer Comment (2017-12-12): Duplicate
 12/12/2017       1 [Redacted] GA Investment Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A N/A   No C B
202643240 [Redacted] [Redacted] 4858855 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MD Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202643240 [Redacted] [Redacted] 4860706 [Redacted] [Redacted] Property Collateral General Collateral Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: xxxxx Expiredxxxx - Renewed xxxx   Reviewer Comment (2017-12-05): https://www.asc.gov webpage shows expired xx/xx/xxxx. License received shows expiration date of xx/xx/xxxx.
 12/05/2017       1 [Redacted] MD Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202643240 [Redacted] [Redacted] 4860773 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: 0xx/xx/xxxx   35.3% LTV Reviewer Comment (2017-12-05): Received Credit Risk Summary & Exception Approval. Property sq ft. < minimum allowed. Compensating Factors: 1) Credit Score. 2) LTV. 3) Payment Shock.
       12/05/2017 2 [Redacted] MD Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202643241 [Redacted] [Redacted] 4863323 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Investment Purchase   C A C A C A C A C A N/A   No C A
202643243 [Redacted] [Redacted] 4861103 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A N/A   No C A
202643244 [Redacted] [Redacted] 4867077 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   $1,000,000.00 dwelling coverage < $xxx original loan amount.    Evidence of 100% Guaranteed Replacement Cost coverage not documented.  Lender Documented Insured Value not documented.   Reviewer Comment (2018-01-08): Rec'd replacement cost estimate.  Coverage is sufficient.


Buyer Comment (2018-01-03): dwelling replacement cost listed on binder
 01/08/2018       1 [Redacted] NC Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202643244 [Redacted] [Redacted] 4867198 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML North Carolina Rate Spread Threshold Test North Carolina Rate Spread Home Loan: APR on subject loan of 7.05140% or Final Disclosure APR of 7.06700% is in excess of allowable threshold of APOR 3.78% + 2.5%, or 6.28000%.  Compliant Rate Spread Home Loan.               2 [Redacted] NC Primary Refinance - Rate/Term   B B B B B B B B B B Non QM Non QM No C B
202643244 [Redacted] [Redacted] 4867201 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/xx/xx/xxxx) Acknowledgement that Loan Assumptions Are Not Permitted signed by Borrowers is not in file.   Reviewer Comment (2018-01-08): Rec'd LOE and corrected CD
     01/08/2018   2 [Redacted] NC Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202643244 [Redacted] [Redacted] 4867202 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.   Reviewer Comment (2018-01-08): Rec'd LOE and corrected CD
     01/08/2018   2 [Redacted] NC Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202643244 [Redacted] [Redacted] 4867205 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) The $499.60 credit on the final CD is insufficient to cure the $584.60 violation (0% = $565 increase in appraisal fees, 10% = $19.60 increase in recording fees).   Reviewer Comment (2018-01-08): Rec'd LOE, corrected CD, copy of refund check and proof of delivery
     01/08/2018   2 [Redacted] NC Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202643244 [Redacted] [Redacted] 4867206 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $64.00 plus 10% or $70.40.  Insufficient or no cure was provided to the borrower. (0) The $499.60 credit on the final CD is insufficient to cure the $584.60 violation (0% = $565 increase in appraisal fees, 10% = $19.60 increase in recording fees).   Reviewer Comment (2018-01-08): Rec'd LOE, corrected CD, copy of refund check and proof of delivery
     01/08/2018   2 [Redacted] NC Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202643244 [Redacted] [Redacted] 4867207 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $1,300.00 exceeds tolerance of $735.00.  Insufficient or no cure was provided to the borrower. (7507) The $499.60 credit on the final CD is insufficient to cure the $584.60 violation (0% = $565 increase in appraisal fees, 10% = $19.60 increase in recording fees).   Reviewer Comment (2018-01-08): Rec'd LOE, corrected CD, copy of refund check and proof of delivery
     01/08/2018   2 [Redacted] NC Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202643244 [Redacted] [Redacted] 4870296 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   23 months statements < 24 months under Portfolio Select Bank Statement program.  Lender's $29,705.00 calculation based on 24 month average of 22 months statements through x/xx.   Review $31,429.79 calculation  based on 24 month average of 23 months statement through x/xxx.   Lender's Credit Risk Summary & Exception Approval in file for 22 months < 24 months.  Compensating factors: Reserves and Residual income. 19 months reserves > 6 months guideline minimum

Guideline variance approved by lender at time of origination		 Reviewer Comment (2017-11-21): Exception in file allowing use of 22 months bank statements averaged over 24 months.
       11/21/2017 2 [Redacted] NC Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202643245 [Redacted] [Redacted] 4863862 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Investment Purchase   C A C A C A C A C A N/A   No C A
202643247 [Redacted] [Redacted] 4870209 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Exception in file is for HDTI only. 26% LTV < 80 guideline max Reviewer Comment (2017-12-13): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       12/13/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202643247 [Redacted] [Redacted] 4870224 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. 44.64% > 40% max housing ratio under Portfolio Select Bank Statement program.  Lender's 44.64% DTI > 40%.   Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  LTV, Payment shock and Reserves LTV, payment shock, reserves Reviewer Comment (2017-11-21): Exception in file:  Housing ratio > maximum allowed
       11/21/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202643247 [Redacted] [Redacted] 4870278 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643247 [Redacted] [Redacted] 4870389 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.18150% or Final Disclosure APR of 6.20300% is in excess of allowable threshold of APOR 3.82% + 1.5%, or 5.32000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-12-13): Received Credit Risk Summary & Exception approval
 12/13/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643247 [Redacted] [Redacted] 4870390 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum. Reserves < minimum.   Reviewer Comment (2017-12-13): Received Credit Risk Summary & Exception approval
 12/13/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643247 [Redacted] [Redacted] 4870391 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum. Reserves < minimum.   Reviewer Comment (2017-12-13): Received Credit Risk Summary & Exception approval
 12/13/2017       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202643247 [Redacted] [Redacted] 4870392 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum. Reserves < minimum.   Reviewer Comment (2017-12-13): Received CD From sale
 12/13/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643247 [Redacted] [Redacted] 4870395 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202643247 [Redacted] [Redacted] 4870397 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker Contact Name field is blank   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202643247 [Redacted] [Redacted] 4871500 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $450.50 additional Title - Owner's Title Insurance fee amount, $25.00 additional Title - Notary fee amount and $45.00 Title - Courier fee paid by Seller at closing disclosed on Consumer's CD and not disclosed on Seller's CD   Reviewer Comment (2017-12-14): Rec'd corrected CD
 12/14/2017       1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202643247 [Redacted] [Redacted] 4873709 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing fully executed Closing Disclosure documenting sale of existing home, xxx,  prior to xx/xx/xxxx closing evidencing payoff of xxx(#xxx) and net proceeds of at least $xxx in the form of a wire transfer to xxx (settlement agent).  Lender's approved 45.45% DTI does not include $6,486.68 PITIA in total monthly obligation.   Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643247 [Redacted] [Redacted] 4873717 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   3.32 months < 6 months ($19,532.16) Portfolio Select Bank Statement program.  Net proceeds from sale of existing residence not documented in file.   Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643247 [Redacted] [Redacted] 4873724 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $62,134.32 < $1,045,189.98. Net proceeds from sale of existing residence not documented in file.   Reviewer Comment (2017-12-13): Received CD from sale
 12/13/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643247 [Redacted] [Redacted] 5145357 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure   B   B   B   B   B Non QM Non QM Yes C B
202643249 [Redacted] [Redacted] 4887821 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided   Missing Title Commitment (Policy provided is from x/xx/xxxx)   Reviewer Comment (2017-12-01): Received
 12/01/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643250 [Redacted] [Redacted] 4868777 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643250 [Redacted] [Redacted] 4888189 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided   Missing Commitment, Policy provided dated x/xx/xxxx   Reviewer Comment (2017-12-01): Received
 12/01/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643250 [Redacted] [Redacted] 4888289 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing Re-Inspect Post IRMA xxxx   Reviewer Comment (2017-12-01): Received Disaster Inspection report dated xx/xx/xxxx
 12/01/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643251 [Redacted] [Redacted] 4869498 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided       Reviewer Comment (2017-12-01): Received
 12/01/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643251 [Redacted] [Redacted] 4869516 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643252 [Redacted] [Redacted] 4878311 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643252 [Redacted] [Redacted] 4886979 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided       Reviewer Comment (2017-12-01): Received
 12/01/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643253 [Redacted] [Redacted] 4878418 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided       Reviewer Comment (2017-12-01): Received
 12/01/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643253 [Redacted] [Redacted] 4878956 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643253 [Redacted] [Redacted] 4906193 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing Property Re-Inspect after IRMA date xxxx   Reviewer Comment (2017-12-01): Received Disaster Inspection Report dated xx/xx/xxxx
 12/01/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643254 [Redacted] [Redacted] 4879471 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202643254 [Redacted] [Redacted] 4906664 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided       Reviewer Comment (2017-12-01): Received
 12/01/2017       1 [Redacted] FL Investment Refinance - Rate/Term     A   A   A   A   A N/A   No C B
202643254 [Redacted] [Redacted] 4906851 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing 3 months bank statements verifying borrower have been receiving $1850 for rent last 3 months, 1007 shows much lower rental amount. LTV, credit score, credit history Reviewer Comment (2018-01-17): Rec'd exception for missing proof of 3 months receipt of rent.
       01/17/2018 2 [Redacted] FL Investment Refinance - Rate/Term     B   B   B   B   B N/A   No C B
202643255 [Redacted] [Redacted] 4885489 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643255 [Redacted] [Redacted] 4895613 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided       Reviewer Comment (2017-12-05): Received
 12/05/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643256 [Redacted] [Redacted] 4879101 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided       Reviewer Comment (2017-12-01): Received
 12/01/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643257 [Redacted] [Redacted] 4884242 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202643257 [Redacted] [Redacted] 4914572 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Debt service ratio issue   DSR > 90% @ 91%, lease agreement provided reflects income of $1800 per month. 767 score

113 months reserves		 Reviewer Comment (2017-12-01): Received Credit Risk Summary & Exception Approval. DSR 90.6% > 90%. Compensating Factors: 1) Credit Score. 2) Reserves.
       12/01/2017 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202643258 [Redacted] [Redacted] 4880341 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided       Reviewer Comment (2017-12-01): Received
 12/01/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643259 [Redacted] [Redacted] 4880398 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided       Reviewer Comment (2017-12-05): Received
 12/05/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643259 [Redacted] [Redacted] 4886006 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643260 [Redacted] [Redacted] 4885035 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643260 [Redacted] [Redacted] 4915491 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided   Request for updated Title in file, missing actual current Commitment/Preliminary Title   Reviewer Comment (2017-12-01): Received
 12/01/2017       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202643261 [Redacted] [Redacted] 4891293 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202643261 [Redacted] [Redacted] 4891438 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2017-12-06): Received
 12/06/2017       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C A
202643261 [Redacted] [Redacted] 4898621 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-06): Received
 12/06/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202643263 [Redacted] [Redacted] 4890021 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-12-12): Received
 12/12/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No D B
202643263 [Redacted] [Redacted] 4890022 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided       Reviewer Comment (2017-12-12): Received
 12/12/2017       1 [Redacted] GA Primary Purchase   D A D A D A D A D A Non QM Non QM No D B
202643263 [Redacted] [Redacted] 4890094 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No D B
202643263 [Redacted] [Redacted] 4890458 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Alternate Table Usage TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction.               2 [Redacted] GA Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes D B
202643263 [Redacted] [Redacted] 4890459 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-12): Received
 12/12/2017       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No D B
202643263 [Redacted] [Redacted] 4890460 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Alternate Table With Seller TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx used an alternate table on a transaction with a seller. (Final/xx/xx/xxxx)               2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes D B
202643263 [Redacted] [Redacted] 4890467 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) Escrow Account section does not disclose a reason why loan will have not have an escrow account was not disclosed.   Reviewer Comment (2017-12-12): Rec'd LOE, corrected CD and evidence of emailing.
     12/12/2017   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes D B
202643263 [Redacted] [Redacted] 4890468 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/xx/xx/xxxx) Closing Costs Financed (Paid from your Loan Amount) field, of Calculating Cash to Close section, field is blank.             2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes D B
202643264 [Redacted] [Redacted] 4887294 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Investment Purchase   C A C A C A C A C A N/A   No C B
202643264 [Redacted] [Redacted] 4916221 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Credit Score < 660 Guideline variance approved by lender at time of origination Reviewer Comment (2017-11-22): Credit Risk Summary & Exception approval p7
       11/22/2017 2 [Redacted] TX Investment Purchase   C B C B C B C B C B N/A   No C B
202643265 [Redacted] [Redacted] 4892478 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2018-01-24): Received
 01/24/2018       1 [Redacted] GA Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202643265 [Redacted] [Redacted] 4892482 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-24): Received
 01/24/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202643265 [Redacted] [Redacted] 4892655 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Credit Risk Summary & Exception Approval in file, page 4. Payment Shock: Exceeds maximum allowed by program guidelines. Compensating Factors:  DTI, Reserves and Residual Income. 19.293% DTI on this Bank Statement documentation loan < 45% guideline max

30.3 months reserves > 12 months guideline minimum - borrowers have verified reserves of $292,212.64

Borrower on this Bank Statement documentation loan has a disposable income of $75,612.63		 Reviewer Comment (2017-11-21): Compensating Factors: DTI, Reserves and Residual Income
       11/21/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202643265 [Redacted] [Redacted] 4902165 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $775.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure reflects $189.00 Lender credit for $75.00, $75.00 and $39.00 Zero tolerances.         11/21/2017   1 [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202643265 [Redacted] [Redacted] 4902167 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $775.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507) Final Closing Disclosure reflects $189.00 Lender credit for $75.00, $75.00 and $39.00 Zero tolerances.         11/21/2017   1 [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202643265 [Redacted] [Redacted] 4902168 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $4,720.00 exceeds tolerance of $4,681.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Final Closing Disclosure reflects $189.00 Lender credit for $75.00, $75.00 and $39.00 Zero tolerances.         11/21/2017   1 [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202643265 [Redacted] [Redacted] 4902388 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing copy of two (2) GMAC installment contracts confirming payment(s) and balance(s) owed per final 1003.   Reviewer Comment (2018-01-17): Rec'd LOE from borrower that there is only onexxxx account of approx. $475 - $500/month and it is paid by the business.  Verified xxxxx andxxxx both paid by business via business bank statements in file.  DTI would still be well within guidelines if xxxxx and two xxxxx accounts were included.
 01/17/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202643266 [Redacted] [Redacted] 4900784 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Safe Harbor QM Safe Harbor QM No C A
202643266 [Redacted] [Redacted] 4900857 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2017-12-12): Received amended data tape changing to SHQM
 12/12/2017       1 [Redacted] GA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Safe Harbor QM Safe Harbor QM Yes C A
202643266 [Redacted] [Redacted] 4900860 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-08): Received
 12/08/2017       1 [Redacted] GA Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Safe Harbor QM Safe Harbor QM No C A
202643267 [Redacted] [Redacted] 4887836 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202643267 [Redacted] [Redacted] 4917575 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Debt service ratio issue   DSR > 90% @ 98%, Lease in file for $1100 however deposits after showing only $800 FICO 716, 12 months reserves Reviewer Comment (2018-02-09): Rec'd exception.  DSR 98% > 90% threshold.
       02/09/2018 2 [Redacted] GA Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202643267 [Redacted] [Redacted] 4917659 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility The application does not show that the borrower(s) have an address other than the subject property and thus casts doubt on the business purpose of the loan.   Borrower must own Primary Residence.  Primary Residence does not report on 1003 REO and on 1st page of 1003 shows both Owned/Rented   Reviewer Comment (2017-12-14): Received Certification of Business Purpose.


Buyer Comment (2017-12-08): Our guidelines does not specify consumer must own their own home - attached is the business purpose disclosure.
 12/14/2017       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202643268 [Redacted] [Redacted] 4897537 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-08): Received
 12/08/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Safe Harbor QM Safe Harbor QM No C A
202643268 [Redacted] [Redacted] 4897538 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Closing Disclosure Closing Date xx/xx/xxxx <> xx/xx/xxxx Closing Date.  Note and Deed of Trust dated xx/xx/xxxx acknowledged by Borrower xx/xx/xxxx   Reviewer Comment (2017-12-08): Rec'd LOE, corrected CD and evidence of emailing.
     12/08/2017   1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Safe Harbor QM Safe Harbor QM Yes C A
202643268 [Redacted] [Redacted] 4906035 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2017-12-12): Received amended data tape changing to SHQM
 12/12/2017       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Safe Harbor QM Safe Harbor QM Yes C A
202643268 [Redacted] [Redacted] 4910062 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided   File only contains the first 2 pages of the Fraud report.   Reviewer Comment (2017-12-08): Received
 12/08/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Safe Harbor QM Safe Harbor QM No C A
202643269 [Redacted] [Redacted] 4894171 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Safe Harbor QM Safe Harbor QM No C B
202643269 [Redacted] [Redacted] 4894217 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2017-12-06): Received Amended Data tape changing from HPQM to SHQM
 12/06/2017       1 [Redacted] GA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Safe Harbor QM Safe Harbor QM Yes C B
202643269 [Redacted] [Redacted] 4894220 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.   $49.66 City Taxes paid by Borrower at closing disclosed.             2 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Safe Harbor QM Safe Harbor QM Yes C B
202643269 [Redacted] [Redacted] 4894221 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $657.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Final Closing Disclosure reflects $207.00 Lender credit for tolerance.         11/20/2017   1 [Redacted] GA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A A A Safe Harbor QM Safe Harbor QM Yes C B
202643271 [Redacted] [Redacted] 4896186 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C B
202643271 [Redacted] [Redacted] 4917787 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial LTV does not meet guidelines   75% LTV > 70% allowable. Guideline variance approved by lender at time of origination. Reviewer Comment (2017-11-22): Credit Risk Summary & Exception approval p5
       11/22/2017 2 [Redacted] FL Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202643272 [Redacted] [Redacted] 4918096 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Fraud reports are not present for all borrowers/guarantors.       Reviewer Comment (2017-12-08): Received LoanSafe Fraud Manager dated xx/xx/xxxx
 12/08/2017       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202643272 [Redacted] [Redacted] 5085197 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing Flood zone determination.   Reviewer Comment (2017-12-15): Rec'd flood cert.
 12/15/2017       1 [Redacted] GA Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No C A
202643273 [Redacted] [Redacted] 4894371 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Title Preliminary not provided       Reviewer Comment (2017-12-12): Received Title Commitment
 12/12/2017       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202643273 [Redacted] [Redacted] 4894375 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan.       Reviewer Comment (2017-12-12): Received Affidavit of Occupancy
 12/12/2017       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202643273 [Redacted] [Redacted] 5116860 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing Flood zone determination   Reviewer Comment (2017-12-15): Rec'd flood cert
 12/15/2017       1 [Redacted] GA Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No C A
202688577 [Redacted] [Redacted] 4956098 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Higher Priced QM Non QM No C B
202688577 [Redacted] [Redacted] 4956420 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. Originator Loan Designation is Higher Priced QM.   Reviewer Comment (2017-12-27): Restated Loan Designation
 12/27/2017       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Non QM Yes C B
202688577 [Redacted] [Redacted] 4956421 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Originator Loan Designation is Higher Priced QM.   Reviewer Comment (2017-12-27): Restated Loan Designation
 12/27/2017       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Higher Priced QM Non QM No C B
202688577 [Redacted] [Redacted] 4956424 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-27): Received
 12/27/2017       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Higher Priced QM Non QM No C B
202688577 [Redacted] [Redacted] 4956425 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/xx/xx/xxxx) The Note allows for assumption, however the Closing Disclosure indicates the loan is not assumable.   Reviewer Comment (2017-12-27): Received FHA document regarding Assumption - not applicable. Need either the signed Acknowledgement that Loan Assumptions Are Not Permitted or a revised Closing Disclosure with "will allow" checked off.
         2 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Non QM Yes C B
202688577 [Redacted] [Redacted] 4963219 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   Missing Closing Disclosure sent xx/xx/xxxx per Tracking tool on page 491.   Reviewer Comment (2018-02-09): N/A per letter dated xx/xx/xxxx.
 02/09/2018       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Higher Priced QM Non QM Yes C B
202688578 [Redacted] [Redacted] 4963633 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202688578 [Redacted] [Redacted] 4963664 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility Borrower and Mortgage Eligibility 1003 Error: Citizenship Source Documentation  was not provided Borrower: xxxxxx Final 1003 indicated that the Co-Borrower is a Permanent Resident Alien. Missing a copy of Permanent Resident card.             2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   B B B B B B B B B B Non QM Non QM No C B
202688578 [Redacted] [Redacted] 4964294 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)     Reviewer Comment (2017-12-14): Rec'd final title reflecting both the T-42 and T-42.1 endorsements.
 12/14/2017       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A B A B A B A B A Non QM Non QM No C B
202688578 [Redacted] [Redacted] 4964297 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-14): Rec'd e-consent
 12/14/2017       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688578 [Redacted] [Redacted] 4964298 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)               2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688578 [Redacted] [Redacted] 4965748 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202688578 [Redacted] [Redacted] 4967125 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $615.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           11/29/2017   1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202688578 [Redacted] [Redacted] 4970536 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Credit Risk Summary & Exception Approval in file, page 8. Credit Score < LTV requirements. Compensating Factors: 1) DTI. 2) Residual Income. Guideline variance approved by lender at time of origination. Reviewer Comment (2017-11-30): Credit Risk Summary & Exception approval p8
       11/30/2017 2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202688578 [Redacted] [Redacted] 4970538 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 8. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income. Guideline variance approved by lender at time of origination. Credit Risk Summary & Exception approval p8

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2017-11-30): Credit Risk Summary & Exception approval p8
       11/30/2017 2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202688578 [Redacted] [Redacted] 4971400 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-12-14): Rec'd signed Disclosure
 12/14/2017       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202688578 [Redacted] [Redacted] 4971401 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688579 [Redacted] [Redacted] 4957182 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688579 [Redacted] [Redacted] 4957247 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688579 [Redacted] [Redacted] 4957249 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 04 # of months is blank.   Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD and evidence of emailing.
     12/27/2017   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688579 [Redacted] [Redacted] 4957252 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The seller's CD reflects $559.37 whereas the borrower's CD reflects $884.37.   Reviewer Comment (2017-12-27): This was not corrected on the xx/xx/xxxx PC CD.
         2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688579 [Redacted] [Redacted] 4957253 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.     Reviewer Comment (2017-12-27): Rec'd SSPL
 12/27/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688579 [Redacted] [Redacted] 4957255 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] TX Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202688579 [Redacted] [Redacted] 4967720 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing the following pages of bank statements:   Pxxxxx   Reviewer Comment (2018-01-11): Page 6 is blank
 01/11/2018       1 [Redacted] TX Primary Purchase     A   A   A   A   A Non QM Non QM No C B
202688580 [Redacted] [Redacted] 4966241 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688582 [Redacted] [Redacted] 4965949 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 2. DTI > maximum allowed. Compensating Factors: 1) Credit History. 2) Residual Income. Borrower on this full documentation loan has a disposable income of $16,524.74 Reviewer Comment (2017-11-30): Compensating Factors: 1) Credit History. 2) Residual Income.
       11/30/2017 2 [Redacted] CO Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688582 [Redacted] [Redacted] 4965951 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CO Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688582 [Redacted] [Redacted] 4966068 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xx/xx/xxxx disclosed a negative fee amount. (Final/xx/xx/xxxx) Sellers CD reflects a Negative Fee of $1020.00 ($1020.00) for Title-Owners Title Insurance   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688582 [Redacted] [Redacted] 4966074 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $30,783.57 > $4,124.93   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] CO Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688582 [Redacted] [Redacted] 4983061 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 2. Reserves: Requirements not met. Compensating Factors: 1) Credit History. 2) Residual Income. Borrower on this full documentation loan has a disposable income of $16,524.74 Reviewer Comment (2017-11-30): Compensating Factors: 1) Credit History. 2) Residual Income.
       11/30/2017 2 [Redacted] CO Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688582 [Redacted] [Redacted] 4984364 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx)     Reviewer Comment (2017-12-14): Received
 12/14/2017       1 [Redacted] CO Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688583 [Redacted] [Redacted] 4964365 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688583 [Redacted] [Redacted] 4964783 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Lender exception granted. Compensating factors: 13yrs stable employment history. Guideline variance approved by lender at time of origination. Reviewer Comment (2017-11-29): Credit Risk Summary & Exception approval p8
       11/29/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688583 [Redacted] [Redacted] 4965578 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   Loan Originator xxxxx does not match the NMLS# on Note/Security Instrument/1003 - This may have to be updated in Clarity upon receipt of the docs.   Reviewer Comment (2018-01-10): Rec'd LOE and corrected CD.
     01/10/2018   2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM Yes C B
202688583 [Redacted] [Redacted] 4965691 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. NMLS # matches MLO listed on Closing Disclosure. 1003 and legal documents list different MLO with same NMLS#.   Reviewer Comment (2018-01-10): Rec'd LOE and corrected CD.
 01/10/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688583 [Redacted] [Redacted] 4965692 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688583 [Redacted] [Redacted] 5027494 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Division of Corporations printed out xx/xx/xx shows xxxxxc. inactive at time of closing.  (Active at time of application) DTI, credit history, residual income, stable employment history Reviewer Comment (2018-01-18): Rec'd exception.  OK to use Home Bizz income.  Borrower needed to pay filing fee with state but did not close the business when it lapsed.


Reviewer Comment (2018-01-10): Rec'd evidence of reinstatement xx/xx/xxxx.  The business was not active at the time of closing.
       01/18/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688585 [Redacted] [Redacted] 4966037 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MI Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202688585 [Redacted] [Redacted] 4966510 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level Michigan CMPA Home Loan Toolkit Status Michigan Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower.               2 [Redacted] MI Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202688585 [Redacted] [Redacted] 4969818 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Borrower signed on the 25th and the spouse signed on the 26th.   Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.
     12/27/2017   1 [Redacted] MI Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202688585 [Redacted] [Redacted] 4969819 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.
     12/27/2017   2 [Redacted] MI Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688585 [Redacted] [Redacted] 4969820 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $510.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           11/29/2017   1 [Redacted] MI Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202688585 [Redacted] [Redacted] 4970442 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. Credit Risk Summary & Exception Approval form in file, page 9. Cash out exceeds $300,000. Compensating Factors: 1) DTI. 2) Reserves. 3) Residual Income. 14.351% DTI on this Bank Statement documentation loan

Borrowers have residual income of $25,680.16 monthly (Bank Statement loan)

11.6 months reserves > 6 months guideline minimum ($32,187.01)		 Reviewer Comment (2017-12-01): Compensating Factors: 1) DTI. 2) Reserves. 3) Residual Income.
       12/01/2017 2 [Redacted] MI Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202688585 [Redacted] [Redacted] 4970671 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. Spouse did not signed Mortgage and Right to Rescind until xx/xx/xxxx.   Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.
     12/27/2017   2 [Redacted] MI Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C B C B C B C B Non QM Non QM Yes C B
202688585 [Redacted] [Redacted] 4970672 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Spouse did not signed Mortgage and Right to Rescind until xx/xx/xxxx.   Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.
     12/27/2017   2 [Redacted] MI Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C B C B C B C B Non QM Non QM Yes C B
202688585 [Redacted] [Redacted] 4994830 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] MI Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688586 [Redacted] [Redacted] 4965411 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-15): rec'd e-consent
 12/15/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688586 [Redacted] [Redacted] 4965524 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202688586 [Redacted] [Redacted] 4966120 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Public Record Issue: Credit Report: Original // Public Record Type: xxxxx xxxxxxxxxxxxxx             2 [Redacted] FL Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202688586 [Redacted] [Redacted] 4972125 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Guideline Issue:  Foreclosure timeline outside of credit guidelines   Previous foreclosure 1.9 yrs prior to Close vs 2 yrs minimum requirement per guidelines. LTV, payment shock, residual income, stable employment history Reviewer Comment (2017-12-15): Rec'd exception for:  Previous foreclosure 1.9 years prior to close vs. 2 years minimum required by guidelines AND 40.26191% HDTI exceeds guideline maximum of 40%.
       12/15/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202688586 [Redacted] [Redacted] 4972134 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-15): cleared with compliance re-run
 12/15/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202688586 [Redacted] [Redacted] 4972137 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Bonus income calculated lower during audit. LTV, payment shock, residual income, stable employment history Reviewer Comment (2017-12-15): Rec'd exception for:  Previous foreclosure 1.9 years prior to close vs. 2 years minimum required by guidelines AND 40.26191% HDTI exceeds guideline maximum of 40%.
       12/15/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202688587 [Redacted] [Redacted] 4969337 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688588 [Redacted] [Redacted] 4970025 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval form in file, page 2. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) LTV. 37.837% DTI on this Bank Statement documentation loan < 45% guideline max Reviewer Comment (2017-11-30): Compensating Factors: 1) DTI. 2) LTV.
       11/30/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688588 [Redacted] [Redacted] 4970142 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-08): Revised CD not provided. Index used from rate lock for audit 1.782


Buyer Comment (2017-12-05): Invalid Condition
         2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688588 [Redacted] [Redacted] 4970143 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller -  Cash To Close TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-08): Reran Compliance


Buyer Comment (2017-12-05): Invalid Condition
 12/08/2017       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202688588 [Redacted] [Redacted] 4979119 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Credit Risk Summary & Exception Approval form in file, page 2. Housing history requirements not met (Private VOR on Bank Statement loan). Compensating Factors: 1) DTI. 2) LTV. 37.837% DTI on this Bank Statement documentation loan < 45% guideline max Reviewer Comment (2017-11-30): Compensating Factors: 1) DTI. 2) LTV.
       11/30/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688588 [Redacted] [Redacted] 4979308 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-08): Received
 12/08/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688589 [Redacted] [Redacted] 4982401 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202688589 [Redacted] [Redacted] 4984888 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Transfers from personal checking account not used in bank statement income calculation. 15.8 months reserves > 6 months guideline minimum - borrowers have verified reserves of $47,161.81

Borrower on this Bank Statement documentation loan has a disposable income of $4,999.32		 Reviewer Comment (2018-01-16): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Payment Shock. 2) Reserves. 3) Residual Income.
       01/16/2018 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202688589 [Redacted] [Redacted] 4985109 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Loan Term TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Loan Term that does not match the actual loan term for the loan. (Final/xx/xx/xxxx) Note shows xx/xx/xxxx Maturity date. Payment is based on 360 term. No balloon information in file.   Reviewer Comment (2017-12-22): Rec'd corrected note reflecting accurate maturity date.
 12/22/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 4985110 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Payment Max Amount TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xx/xx/xxxx with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (Final/xx/xx/xxxx) Note shows xx/xx/xxxx Maturity date. Payment is based on 360 term. No balloon information in file.   Reviewer Comment (2018-01-11): Rec'd LOE and corrected CD.


Reviewer Comment (2017-12-22): The note is not interest only, however the CD payment streams are indicated to be interest only.
     01/11/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 4985112 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/319344) Note shows xx/xx/xxxx Maturity date. Payment is based on 360 term. No balloon information in file.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-01-11): Rec'd LOE and corrected CD.  Missing evidence rescission was re-opened and proof of delivery.


Reviewer Comment (2017-12-22): The note is not interest only, however the CD payment streams are indicated to be interest only.
     01/26/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 4985113 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/319345) Note shows xx/xx/xxxx Maturity date. Payment is based on 360 term. No balloon information in file.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-01-11): Rec'd LOE and corrected CD.  Missing evidence rescission was re-opened and proof of delivery.


Reviewer Comment (2017-12-22): The note is not interest only, however the CD payment streams are indicated to be interest only.
     01/26/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 4985114 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/319346) Note shows xx/xx/xxxx Maturity date. Payment is based on 360 term. No balloon information in file.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-01-11): Rec'd LOE and corrected CD.  Missing evidence rescission was re-opened and proof of delivery.


Reviewer Comment (2017-12-22): The note is not interest only, however the CD payment streams are indicated to be interest only.
     01/26/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 4985115 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/319344) Note shows xx/xx/xxxx Maturity date. Payment is based on 360 term. No balloon information in file.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-01-11): Rec'd LOE and corrected CD.  Missing evidence rescission was re-opened and proof of delivery.


Reviewer Comment (2017-12-22): The note is not interest only, however the CD payment streams are indicated to be interest only.
     01/26/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 4985116 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/319345) Note shows xx/xx/xxxx Maturity date. Payment is based on 360 term. No balloon information in file.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-01-11): Rec'd LOE and corrected CD.  Missing evidence rescission was re-opened and proof of delivery.


Reviewer Comment (2017-12-22): The note is not interest only, however the CD payment streams are indicated to be interest only.
     01/26/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 4985117 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/319346) Note shows xx/xx/xxxx Maturity date. Payment is based on 360 term. No balloon information in file.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-01-11): Rec'd LOE and corrected CD.  Missing evidence rescission was re-opened and proof of delivery.


Reviewer Comment (2017-12-22): The note is not interest only, however the CD payment streams are indicated to be interest only.
     01/26/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 4985119 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Note shows xx/xx/xxxx Maturity date. Payment is based on 360 term. No balloon information in file.   Reviewer Comment (2018-01-11): Rec'd LOE and corrected CD.


Reviewer Comment (2017-12-22): The note is not interest only, however the CD payment streams are indicated to be interest only.
     01/11/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 4985148 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.37650% or Final Disclosure APR of 6.52500% is in excess of allowable threshold of APOR 3.72% + 1.5%, or 5.22000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-01-16): Received exception approval for DTI.
 01/16/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202688589 [Redacted] [Redacted] 4985149 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum   Reviewer Comment (2018-01-16): Received exception approval for DTI.
 01/16/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202688589 [Redacted] [Redacted] 4985150 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. DTI > maximum   Reviewer Comment (2018-01-16): Received exception approval for DTI.
 01/16/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 4985151 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-01-16): Received exception approval for DTI.
 01/16/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202688589 [Redacted] [Redacted] 4985152 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total of Payments that does not match the actual total of payments for the loan. (Final/xx/xx/xxxx) Note shows xx/xx/xxxx Maturity date. Payment is based on 360 term. No balloon information in file.   Reviewer Comment (2018-02-15): Received LOE and intent to rerecord with Scrivener's Affidavit
 02/15/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 5018216 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Term discrepancy.   Maturity date on Note and Mortgage is xx/xx/xxxx.   Reviewer Comment (2018-02-15): Received LOE and intent to rerecord with Scrivener's Affidavit
 02/15/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202688589 [Redacted] [Redacted] 5018236 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Balloon Rider was not provided.   Maturity date on Note and Mortgage is xx/xx/xxxx.   Reviewer Comment (2018-02-15): Received LOE and intent to rerecord with Scrivener's Affidavit
 02/15/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202688589 [Redacted] [Redacted] 5018281 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   Missing Compliance Report (Mavent, ComplianceEase, etc.)   Reviewer Comment (2018-02-21): Received
 02/21/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 5018332 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Monthly Payment - Higher-Priced Balloon Ability-to-Repay (Dodd-Frank 2014): Improper calculation method used for Non QM qualifying monthly payment (higher-priced balloon loan).     Reviewer Comment (2017-12-22): Rec'd corrected note reflecting accurate maturity date.
 12/22/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202688589 [Redacted] [Redacted] 5018333 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. DTI   Reviewer Comment (2017-12-22): Rec'd corrected note reflecting accurate maturity date.
 12/22/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   A A A A A A A A A A Non QM Non QM No C B
202688589 [Redacted] [Redacted] 5018334 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202688589 [Redacted] [Redacted] 5018335 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Amount Financed TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-15): Received LOE and intent to rerecord with Scrivener's Affidavit
 02/15/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 5018337 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Balloon Payment TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains a Balloon Payment. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-22): Rec'd corrected note reflecting accurate maturity date.
 12/22/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 5018338 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-15): Received LOE and intent to rerecord with Scrivener's Affidavit
 02/15/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202688589 [Redacted] [Redacted] 5018339 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Product Feature Test TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose a Product Feature for a loan that contains a product feature. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-22): Rec'd corrected note reflecting accurate maturity date.
 12/22/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C B
202688590 [Redacted] [Redacted] 4971029 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688590 [Redacted] [Redacted] 4971080 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-06): Received
 12/06/2017       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688590 [Redacted] [Redacted] 4971081 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-06): Rec'd LOE, corrected CD and evidence of emailing.
     12/06/2017   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688590 [Redacted] [Redacted] 4971494 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,079.00 exceeds tolerance of $1,066.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)           11/29/2017   1 [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202688590 [Redacted] [Redacted] 5022034 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 2. Debt Ratio exceeds program guidelines. Compensating Factors: none noted. $7,989.61 Residual income on a Bank Statement loan Reviewer Comment (2017-12-06): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Payment Shock. 2) Residual Income.


Reviewer Comment (2017-12-04): Compensating Factors: none noted.
       12/06/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688590 [Redacted] [Redacted] 5022950 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Full 24 months business statements not used, partially used personal bank statements. No exception approval found in file. $7,989.61 Residual income on a Bank Statement loan Reviewer Comment (2017-12-06): Received Credit Risk Summary & Exception Approval. Alternative income calculation used. Compensating Factors: 1) Payment Shock. 2) Residual Income.
       12/06/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688590 [Redacted] [Redacted] 5023044 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.61650% or Final Disclosure APR of 8.69900% is in excess of allowable threshold of APOR 3.96% + 1.5%, or 5.46000%.  Non-Compliant Higher Priced Mortgage Loan. DTI   Reviewer Comment (2017-12-06): Received approval for DTI exception
 12/06/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688590 [Redacted] [Redacted] 5023046 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI   Reviewer Comment (2017-12-06): Received approval for DTI exception
 12/06/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688590 [Redacted] [Redacted] 5023047 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2017-12-06): Received approval for DTI exception
 12/06/2017       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202688590 [Redacted] [Redacted] 5023048 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2017-12-06): Received approval for DTI exception
 12/06/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688592 [Redacted] [Redacted] 4984425 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] GA Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688592 [Redacted] [Redacted] 4984763 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202688592 [Redacted] [Redacted] 4990829 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Broker Contact name was not disclosed on Final CD.   Reviewer Comment (2017-12-13): Rec'd LOE, corrected CD and evidence of emailing.
     12/13/2017   2 [Redacted] GA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202688592 [Redacted] [Redacted] 5027605 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Guideline Issue:Insufficient asset documentation. Financial Institution: xxx / End Date: 10/xx/2017 // Account Type: Individual Retirement Account (IRA) / Account Number: xxx xxxxx does not meet 30 day seasoning requirement.  Letter from bank verifies balance but does not verify balance over last 30 days.  Credit Risk Summary & Exception approval for seasoning requirement with comp factors: credit history 0x30 since 2014, excess residual income. Credit payment history is 0x30 since 2014.

Borrower on this 24 month Business bank statement documentation loan has a disposable income of $11,306.34		 Reviewer Comment (2017-12-04): Lender Exception Approval provided.
       12/04/2017 2 [Redacted] GA Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202688593 [Redacted] [Redacted] 4980417 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688593 [Redacted] [Redacted] 4981057 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $9,658.00 while closing CD seller's fees total $10,008.00             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688593 [Redacted] [Redacted] 4983428 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688593 [Redacted] [Redacted] 4983720 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI exceeds max of 45%; Lender Exception approval (pg. 2) with comp factors: housing payment decrease and low payment shock. Housing payment is decreasing $22.41 per month.

Housing payment shock is -1.8675%.		 Reviewer Comment (2017-12-01): Lender Exception approval provided.
       12/01/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688593 [Redacted] [Redacted] 5001937 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Reserves < 6 month guideline minimum.  Lender Exception approval (pg. 2) with comp factors: housing payment decrease and low payment shock. Housing payment is decreasing $22.41 per month.

Housing payment shock is -1.8675%.		 Reviewer Comment (2017-12-01): Lender Exception approval provided.
       12/01/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688594 [Redacted] [Redacted] 4972562 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202688594 [Redacted] [Redacted] 4972617 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.  $3,429.99 Property Taxes paid by Borrower at closing disclosed   Reviewer Comment (2017-12-08): Rec'd LOE, corrected CD and evidence of emailing.
     12/08/2017   2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688594 [Redacted] [Redacted] 4981352 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 27. DTI > maximum allowed. Compensating Factors: LTV and Reserves 42.553% LTV < 60% guideline max

37.6 > 6 months reserves required ($52,104.02)		 Reviewer Comment (2017-12-01): Compensating Factors: LTV and Reserves
       12/01/2017 2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202688594 [Redacted] [Redacted] 4999679 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-08): Received
 12/08/2017       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688595 [Redacted] [Redacted] 4977890 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Calculated investor qualifying total debt ratio of 45.72582% exceeds Guideline total debt ratio of 45.00000.  Loan was approved with the following compensating factors:  Calculated investor qualifying total debt ratio of 45.72582% exceeds Guideline total debt ratio of 45.00000% and Borrower has $3,238.28 in Residual Income after obligations. 68.29% LTV < 85 guideline max - 16.71%x more equity than required by program guidelines

Borrower has $3,238.28 in Residual Income after obligations.		 Reviewer Comment (2017-12-01): Exception in file for DTI > maximum allowed.
       12/01/2017 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202688595 [Redacted] [Redacted] 4977893 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202688595 [Redacted] [Redacted] 4979274 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-15): Rec'd e-consent
 12/15/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688595 [Redacted] [Redacted] 4980138 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/xx/xx/xxxx) Acknowledgement of non-assumability not in file.   Buyer Comment (2017-12-13): please cure erroneous condition
         2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688595 [Redacted] [Redacted] 4980587 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7537)           11/30/2017   1 [Redacted] TX Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202688595 [Redacted] [Redacted] 5022016 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7522)           12/04/2017   1 [Redacted] TX Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202688595 [Redacted] [Redacted] 5022664 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-12-15): Rec'd signed disclosure
 12/15/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202688596 [Redacted] [Redacted] 5009031 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202688596 [Redacted] [Redacted] 5009095 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688596 [Redacted] [Redacted] 5009105 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.  $4,305.48 Property Taxes paid by Seller at closing disclosed.   Reviewer Comment (2017-12-26): Rec'd LOE, corrected CD and evidence of emailing.
     12/26/2017   2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688596 [Redacted] [Redacted] 5020752 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $395.00 Title - Settlement/Closing fee not reflected on the consumer's CD   Reviewer Comment (2017-12-26): Rec'd LOE, corrected CD and evidence of emailing.
     12/26/2017   2 [Redacted] FL Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688596 [Redacted] [Redacted] 5055059 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Missing xxxx bank statement used for income calculation.   Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202688597 [Redacted] [Redacted] 4973064 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688597 [Redacted] [Redacted] 4973090 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-14): Received
 12/14/2017       1 [Redacted] IN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688597 [Redacted] [Redacted] 4973092 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688597 [Redacted] [Redacted] 4978259 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   xxxxxxxx   Reviewer Comment (2017-12-21): Received credit supplement showing account as paid and closed.
 12/21/2017       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688597 [Redacted] [Redacted] 4979137 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Foreclosure not provided   xxxxxxxxxxxxxx Residual income at $16,300 Reviewer Comment (2017-12-26): Received Credit Risk Summary & Exception approval xx/xx/xxxx


Reviewer Comment (2017-12-21): Nothing received to clear this exception.
       12/26/2017 2 [Redacted] IN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688597 [Redacted] [Redacted] 4979554 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Missing 24 months business bank statements.  9 months business bank statements < 24 months under Portfolio Select Business Bank Statement program xxxxxxxxxxxxx Residual income at $16,300 Reviewer Comment (2017-12-26): Received Credit Risk Summary & Exception approval for using both Business and personal accounts xx/xx/xxxx


Reviewer Comment (2017-12-21): Nothing received to clear this exception.
       12/26/2017 2 [Redacted] IN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688597 [Redacted] [Redacted] 4991837 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA Transfer and Home Warranty fees shown in Section C should be in Section H. Property Tax shown in Section C should be in Section F (including number of months collected).             2 [Redacted] IN Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202688598 [Redacted] [Redacted] 5008986 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-14): Received
 12/14/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688598 [Redacted] [Redacted] 5008988 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Broker  Contact Information (Contact Name) not disclosed   Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.
     12/19/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202688598 [Redacted] [Redacted] 5023185 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 688 < 700 Portfolio Select Bank Statement Interest Only program @ approved $xxx loan amount. Minimum 680 score required for Interest Only feature.  Minimum 700 score required for loan amounts > $xxx loan amounts under approved program.  Score supports max $xxx loan amount. 1008 Transmittal states Lender's pricing based on Broker's 702 score not documented in file. Reserves, residual income, stable employment history Reviewer Comment (2017-12-19): Rec'd exception.  Credit score of 688 is less than guideline requirement of 700.
       12/19/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688598 [Redacted] [Redacted] 5024531 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $1,027.04 higher amount in Property Taxes paid by Seller at closing per Consumer's CD disclosed not disclosed on Seller's CD.  $171,956.68 and $150,000.00 Pre-Release disbursements paid by Seller at closing per Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.
     12/19/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688598 [Redacted] [Redacted] 5066274 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy.       Reviewer Comment (2018-02-15): Updated with input


Reviewer Comment (2018-01-19): Rec'd updated Credit Risk Summary reflecting a DTI of 48.744%.  It does not appear the loan was qualified using the proper method for I/O ARM loans.  Qualifying DTI is 52.5%.


Buyer Comment (2018-01-17): The numbers were off on those two months however the DTI is 49% based on the updated worksheet and the fact the xxxx entered the GAP increase as 233.00 and it should have been 113.00. Here is the updated Income calculation and the updated CRS
 02/15/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688598 [Redacted] [Redacted] 5066397 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.57610% or Final Disclosure APR of 6.65600% is in excess of allowable threshold of APOR 3.79% + 2.5%, or 6.29000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-15): Updated input
 02/15/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688598 [Redacted] [Redacted] 5066398 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI   Reviewer Comment (2018-02-15): Updated input
 02/15/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688598 [Redacted] [Redacted] 5066400 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-02-15): updated input
 02/15/2018       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202688598 [Redacted] [Redacted] 5066405 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-02-15): updated input
 02/15/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688598 [Redacted] [Redacted] 5066409 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.
     12/19/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688599 [Redacted] [Redacted] 4979662 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688599 [Redacted] [Redacted] 4979804 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-10): Received econsent
 01/10/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688599 [Redacted] [Redacted] 4979805 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688599 [Redacted] [Redacted] 4995907 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Credit Risk Summary & Exception Approval in file, page 2. Income: to paydown the IRS tax liability of $40,000 at Closing. Compensating Factors: DTI and Residual income. 21.807% housing ratio < 40% maximum

Borrower on this Full documentation loan has a disposable income of $8,622.85		 Reviewer Comment (2017-12-04): Compensating Factors: DTI and Residual income.
       12/04/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688599 [Redacted] [Redacted] 4996055 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 2. Reserves: Requirements not met. Compensating Factors: DTI and Residual income. 21.807% housing ratio < 40% maximum

Borrower on this Full documentation loan has a disposable income of $8,622.85		 Reviewer Comment (2017-12-04): Compensating Factors: DTI and Residual income.
       12/04/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688599 [Redacted] [Redacted] 4996184 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure not reflect a Lender credit for tolerances   Reviewer Comment (2018-02-08): Received Change of Circumstance documents.


Reviewer Comment (2018-01-26): Nothing received to clear this exception.
 02/08/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202688599 [Redacted] [Redacted] 4996248 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $3,140.53 exceeds tolerance of $2,715.00.  Insufficient or no cure was provided to the borrower. (7200) Fee disclosed as $2,715.00 on Loan Estimate dated xx/xx/xxxx, but disclosed as $3,140.53 on Final Closing Disclosure. Valid Change of Circumstance not in file. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-08): Received Change of Circumstance documents.


Reviewer Comment (2018-01-26): Fee increased xx/xx/xxxx, need Change of Circumstance document.
 02/08/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202688599 [Redacted] [Redacted] 4996249 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure,  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-08): Received Change of Circumstance documents.


Reviewer Comment (2018-01-26): Fee added 0xx/xx/xxxx, missing Change of Circumstance document.
 02/08/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202688599 [Redacted] [Redacted] 4996250 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $4,327.96 exceeds tolerance of $4,094.00.  Insufficient or no cure was provided to the borrower. (8304) Fee disclosed as $4,094.00 on Loan Estimate dated xx/xx/xxxx, but disclosed as $4,327.96 on Final Closing Disclosure. Valid Change of Circumstance not in file. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-08): Received Change of Circumstance documents.


Reviewer Comment (2018-01-26): Fee increased both xx/xx/xxxx and xx/xx/xxxx, no Change of Circumstance documents provided.
 02/08/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202688599 [Redacted] [Redacted] 4996292 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $10,679.10 RE Commission fee paid by Seller at closing per Seller's CD not disclosed on Consumer's CD             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688600 [Redacted] [Redacted] 4977276 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.               2 [Redacted] FL Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202688600 [Redacted] [Redacted] 4989472 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 34. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) LTV. 26.191% DTI on this Bank Statement documentation loan < 45% guideline max Reviewer Comment (2017-12-01): Compensating Factors: 1) DTI. 2) LTV.
       12/01/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202688600 [Redacted] [Redacted] 4989509 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Guideline Issue: Derogatory mortgage payments outside of credit guidelines   Credit Risk Summary & Exception Approval in file, page 34. Housing history requirements not met (1x30 and 1x60 with last 24 months - Co-signed mortgage with parents). Compensating Factors: 1) DTI. 2) LTV. 26.191% DTI on this Bank Statement documentation loan < 45% guideline max Reviewer Comment (2017-12-01): Compensating Factors: 1) DTI. 2) LTV.
       12/01/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202688600 [Redacted] [Redacted] 4990456 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property Tax fees shown in Section H should be in Section F (Including number of months collected).   Reviewer Comment (2017-12-26): Rec'd PC CD reflecting a portion of the taxes in Section F.   Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.
         2 [Redacted] FL Primary Refinance - Cash-out - Other Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202688601 [Redacted] [Redacted] 4979995 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688603 [Redacted] [Redacted] 4980806 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 9. DTI > maximum allowed. Compensating Factors: Payment shock and Stable employment history. Guideline variance approved by lender at time of origination Reviewer Comment (2017-12-05): Compensating Factors: Payment shock and Stable employment history.
       12/05/2017 2 [Redacted] WI Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688603 [Redacted] [Redacted] 4980866 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688603 [Redacted] [Redacted] 4981500 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-27): cleared with compliance re-run
 12/27/2017       1 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202688603 [Redacted] [Redacted] 4981501 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $15,838.34 > $15,741.34   Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD and evidence of emailing.
     12/27/2017   2 [Redacted] WI Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688603 [Redacted] [Redacted] 5041543 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] WI Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688604 [Redacted] [Redacted] 4984561 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) The seller's CD reflects $13,588.90 whereas the borrower's CD reflects $13,738.90   Reviewer Comment (2017-12-06): Rec'd LOE, corrected CD and evidence of emailing.
     12/06/2017   2 [Redacted] NJ Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688604 [Redacted] [Redacted] 4984755 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-06): Received
 12/06/2017       1 [Redacted] NJ Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688604 [Redacted] [Redacted] 5021366 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NJ Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202688605 [Redacted] [Redacted] 5007668 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688605 [Redacted] [Redacted] 5007701 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] WI Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688605 [Redacted] [Redacted] 5007702 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Mortgage Broker Contact Name was not provided on Final CD.   Reviewer Comment (2017-12-13): Rec'd LOE, corrected CD and evidence of emailing.
     12/13/2017   2 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202688606 [Redacted] [Redacted] 4985294 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688606 [Redacted] [Redacted] 4985435 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688606 [Redacted] [Redacted] 4998499 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $14,035.43 while closing CD seller's fees total $14,636.08.   Reviewer Comment (2017-12-26): Rec'd LOE, corrected CD and evidence of emailing
     12/26/2017   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688607 [Redacted] [Redacted] 4984298 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688607 [Redacted] [Redacted] 4988810 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-14): rec'd e-consent
 12/14/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688607 [Redacted] [Redacted] 4988917 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) xxxxxxxxxxxxxx   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202688607 [Redacted] [Redacted] 4988923 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Invoice includes a upfront fee of $25.00             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688607 [Redacted] [Redacted] 4988925 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Prepaid property tax number of months was left blank.   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688607 [Redacted] [Redacted] 4988926 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $745,674.10 while closing CD seller's fees total $54,505.30.   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688607 [Redacted] [Redacted] 5001615 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Missing xxxxx bank statement to complete full 24 months.   Reviewer Comment (2017-12-14): Rec'd 10/2015 bank statement
 12/14/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688608 [Redacted] [Redacted] 4984987 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688608 [Redacted] [Redacted] 4985033 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-04): Rec'd e-consent
 01/04/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688608 [Redacted] [Redacted] 4985035 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $2,480.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688608 [Redacted] [Redacted] 4985036 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. (Interim/xx/xx/xxxx)     Reviewer Comment (2018-01-04): Rec'd evidence LE was rec'd by borrower xx/xx/xxxx
 01/04/2018       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202688608 [Redacted] [Redacted] 4985037 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,480.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200) Discount points were not previously disclosed to the borrower.   Reviewer Comment (2018-01-04): Rec'd valid COC
 01/04/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202688608 [Redacted] [Redacted] 5033601 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA fees in Section C should be in Section H.   Reviewer Comment (2018-01-04): Rec'd corrected CD.
     01/04/2018   2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202688609 [Redacted] [Redacted] 4984310 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202688609 [Redacted] [Redacted] 4984389 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-05): Received
 12/05/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688609 [Redacted] [Redacted] 4984545 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Prepaid amount is the actual windstorm premium amount; lender escrowed for higher amount.             2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688610 [Redacted] [Redacted] 4990920 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MN Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202688610 [Redacted] [Redacted] 4991330 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 6.57500% or Final Disclosure APR of 6.60100% is in excess of allowable threshold of USTreasury 2.7700% + 3%, or 5.77000%.  Compliant Subprime Loan.               2 [Redacted] MN Primary Refinance - Rate/Term   B B B B B B B B B B Non QM Non QM No C B
202688610 [Redacted] [Redacted] 4996043 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-29): Received
 12/29/2017       1 [Redacted] MN Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688611 [Redacted] [Redacted] 4989596 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Number of months for prepaid property tax was left blank.             2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688611 [Redacted] [Redacted] 4992767 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   Initial LE dated xx/xx/xxxx was not provided in loan documentation   Reviewer Comment (2017-12-19): Rec'd LE
 12/19/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM Yes C B
202688611 [Redacted] [Redacted] 4998093 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Initial Disclosure not provided.   Reviewer Comment (2017-12-19): Rec'd initial LE


Reviewer Comment (2017-12-14): Initial disclosure already in file. Looking for document signed at closing stating that Appraisal was received 3 days prior to closing.
 12/19/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202688611 [Redacted] [Redacted] 4998095 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Initial Disclosure not provided.   Reviewer Comment (2017-12-19): Rec'd initial LE
 12/19/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202688611 [Redacted] [Redacted] 5000995 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/0xx/xx/xxxx) Initial Loan Estimate not found in file.   Reviewer Comment (2017-12-19): Rec'd initial LE
 12/19/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202688611 [Redacted] [Redacted] 5186618 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $910.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           12/19/2017   1 [Redacted] FL Primary Refinance - Cash-out - Other Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C B
202688612 [Redacted] [Redacted] 4989630 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688612 [Redacted] [Redacted] 4989688 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.   Borrower has job stability for 11 years self-employed.

Guideline variance approved by lender at time of origination		 Reviewer Comment (2017-12-26): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       12/26/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688612 [Redacted] [Redacted] 4989787 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688612 [Redacted] [Redacted] 5014090 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Credit Risk Summary & Exception Approval in file, page 2. Credit: Housing history (mortgage/rent) requirements not met (No housing payment history). Compensating Factors: 1) Credit Score. 2) Credit History. 3) Stable Employment History. Borrower has job stability for 11 years self-employed. Reviewer Comment (2017-12-04): Compensating Factors: 1) Credit Score. 2) Credit History. 3) Stable Employment History.
       12/04/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688612 [Redacted] [Redacted] 5014793 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 2. DTI: Debt Ratio exceeds program guidelines. Compensating Factors: 1) Credit Score. 2) Credit History. 3) Stable Employment History. Borrower has job stability for 11 years self-employed. Reviewer Comment (2017-12-04): Compensating Factors: 1) Credit Score. 2) Credit History. 3) Stable Employment History.
       12/04/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688612 [Redacted] [Redacted] 5016007 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $12,608.55 < $13,786.24   Reviewer Comment (2017-12-26): Rec'd LOE, corrected CD and evidence of emailing.
     12/26/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688613 [Redacted] [Redacted] 4989425 [Redacted] [Redacted] Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Initial Application/1003 not found in the loan file.   Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] CA Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202688613 [Redacted] [Redacted] 4989652 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688613 [Redacted] [Redacted] 4989737 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Approval not provided   Loan file does not contain Lender's Approval or xxxx's Credit Risk Summary & Exception Approval form.   Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688613 [Redacted] [Redacted] 4989742 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688613 [Redacted] [Redacted] 5058614 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided   1008 not found in loan file.   Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688613 [Redacted] [Redacted] 5058853 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx)               2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688614 [Redacted] [Redacted] 4996677 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 45.96% > 45% Portfolio Select Bank Statement program.  Lender's 45.98% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Payment shock and Residual income. Borrower on this Bank Statement documentation loan has a disposable income of $4,970.65.

Payment shock of 130.38% < 300% guideline max.		 Reviewer Comment (2017-12-06): Lender exception approval provided.
       12/06/2017 2 [Redacted] IN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688614 [Redacted] [Redacted] 4996690 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688614 [Redacted] [Redacted] 4996990 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xx/xx/xxxx)     Reviewer Comment (2018-02-12): Received proof of receipt
 02/12/2018       1 [Redacted] IN Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202688614 [Redacted] [Redacted] 4996991 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.70660% or Final Disclosure APR of 6.71000% is in excess of allowable threshold of APOR 3.77% + 1.5%, or 5.27000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-12): Received proof of receipt
 02/12/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688614 [Redacted] [Redacted] 4996993 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xx/xx/xxxx)     Reviewer Comment (2018-02-12): Received proof of receipt


Reviewer Comment (2018-02-08): Per screen shot, presumed receipt date of xxx is not 3 business days prior to closing


Buyer Comment (2018-02-05): signed acknowledgement is not required- we sent the borrower the appraisal through our portal on xx/xx/xxxx please see upload...this was an email to the borrower


Reviewer Comment (2017-12-14): Received tracking tool. Need signed acknowledgment from Borrower that appraisal was received at least 3 days prior to closing. Or copy of email showing appraisal was emailed to the Borrower.
 02/12/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688614 [Redacted] [Redacted] 4996998 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-14): Received
 12/14/2017       1 [Redacted] IN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688614 [Redacted] [Redacted] 4996999 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/xx/xx/xxxx) Acknowledgement that Loan Assumptions Are Not Permitted signed by Borrower(s) is not in file   Reviewer Comment (2017-12-14): Received
 12/14/2017       1 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202688614 [Redacted] [Redacted] 5059308 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $12,485.82 while closing CD seller's fees total $12,613.82.   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] IN Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688615 [Redacted] [Redacted] 4998981 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent not in file   Reviewer Comment (2017-12-06): Received
 12/06/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688615 [Redacted] [Redacted] 4998989 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Prepaid amount includes a fee for new policy not part of the annual premium.             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688615 [Redacted] [Redacted] 4998991 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Initial Closing Disclosure sent on xx/xx/xxxx was not found in the file.   Reviewer Comment (2017-12-06): Received xx/xx/xxxx CD
 12/06/2017       1 [Redacted] CA Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202688615 [Redacted] [Redacted] 4999074 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688615 [Redacted] [Redacted] 5019832 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $17,228.50 while closing CD seller's fees total $17,028.50             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688615 [Redacted] [Redacted] 5020555 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Housing history requirements not met for FTHB.  No verification of payment amount or when payments were made; guidelines require 0x30x12.  Credit Risk Summary & Exception approval allowing use of Notarized letter from Landlord reflective of on time payments.  No comp factors listed. Borrower on this Full documentation loan has a disposable income of $3,081.25 Reviewer Comment (2017-12-06): Received Credit Risk Summary & Exception Approval. Housing history requirements not met. Compensating Factors: 1) Credit History. 2) Residual Income.
       12/06/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688615 [Redacted] [Redacted] 5020935 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Middle FICO of primary wage earner is 538.  538 < 540 guideline minimum for FTHB.  No lender exception approval in file. Borrower on this Full documentation loan has a disposable income of $3,081.25 Reviewer Comment (2017-12-06): Received Credit Risk Summary & Exception Approval. Borrower ok with FICO of 538. Compensating Factors: 1) Credit History. 2) Residual Income.
       12/06/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688616 [Redacted] [Redacted] 4987892 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688616 [Redacted] [Redacted] 5067107 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $34,533.50 while closing CD seller's fees total $31,687.00.   Reviewer Comment (2017-12-15): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2017-12-13): PCCD dated xx/xx/xxxx shows Seller Fees as $34,585.50 which doesn't match Seller CD in file ($34,533.50).
     12/15/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688617 [Redacted] [Redacted] 4995505 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688617 [Redacted] [Redacted] 4995640 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-14): Received
 12/14/2017       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688617 [Redacted] [Redacted] 4997371 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,291.00 exceeds tolerance of $1,231.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)           12/01/2017   1 [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202688617 [Redacted] [Redacted] 5043178 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Proof of wire for funds from sale of departure residence and fully executed settlement statement for property at xxxxxx was not found in loan file and is required by the guidelines.   Reviewer Comment (2017-12-14): Received proof of wire
 12/14/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688617 [Redacted] [Redacted] 5043225 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Missing the VVOE for the Co-Borrower completed within 10 days of closing; required by guidelines.  Loan closed xx/xx/xxxx and latest verification dated xx/xx/xxxx is not within 10 business days. 790 representative FICO score > 700 guideline minimum

40.48%% DTI on this Bank Statement documentation loan < 45% guideline max		 Reviewer Comment (2017-12-14): Received Credit Risk Summary & Exception Approval. Income Documentation missing: ok to use verification that is 11 business days old at note date. Compensating Factors: 1) Credit Score. 2) DTI. 3) LTV.
       12/14/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688617 [Redacted] [Redacted] 5043929 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Missing third party verification of business existence with 10 days of closing; required by guidelines.  Loan closed xx/xx/xxxx and latest verification dated xx/xx/xxxx is not within 10 days. 790 representative FICO score > 700 guideline minimum

40.48%% DTI on this Bank Statement documentation loan < 45% guideline max		 Reviewer Comment (2017-12-14): Received Credit Risk Summary & Exception Approval. Income Documentation missing: ok to use verification that is 11 business days old at note date. Compensating Factors: 1) Credit Score. 2) DTI. 3) LTV.


Reviewer Comment (2017-12-14): Nothing received to clear Exception. (Verification of the existence of the business required within ten (10) days of closing)
       12/14/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688619 [Redacted] [Redacted] 4999245 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > 45% guideline max; Credit Risk Summary & Exception Approval (pg. 30) with compensating factors:  Residual Income in excess of $3000.00 and excess reserves above 6 month guideline minimum. Reserves - Borrower has reserves in excess of what is required. 8.18 months > 6 months guideline minimum.

Borrower on this Bank Statement and SSI documentation loan has a disposable income of $8,100.71		 Reviewer Comment (2017-12-04): Lender Exception approval provided.
       12/04/2017 2 [Redacted] GA Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202688619 [Redacted] [Redacted] 5001733 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $14,041.95 while closing CD seller's fees total $13,786.95   Reviewer Comment (2017-12-12): Rec'd LOE, corrected CD and evidence of emailing.
     12/12/2017   2 [Redacted] GA Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688619 [Redacted] [Redacted] 5018027 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202688620 [Redacted] [Redacted] 4994258 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202688620 [Redacted] [Redacted] 4995248 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, LIne 04 (# months) field is blank.   Reviewer Comment (2017-12-13): Rec'd LOE, corrected CD and evidence of emailing.
     12/13/2017   2 [Redacted] FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688620 [Redacted] [Redacted] 4997356 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] FL Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688621 [Redacted] [Redacted] 5024381 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688621 [Redacted] [Redacted] 5024586 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Flood Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Flood Insurance Premium under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-15): Rec'd LOE and corrected CD
     12/15/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688621 [Redacted] [Redacted] 5024587 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-15): Rec'd LOE and corrected CD
     12/15/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688621 [Redacted] [Redacted] 5027084 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-15): rec'd e-consent
 12/15/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688621 [Redacted] [Redacted] 5027086 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-15): Rec'd LOE and corrected CD
     12/15/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202688621 [Redacted] [Redacted] 5073358 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-15): cleared with compliance re-run
 12/15/2017       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202688622 [Redacted] [Redacted] 5015551 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided       Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] FL Primary Purchase   D A D A D A D A D A Non QM Non QM No D B
202688622 [Redacted] [Redacted] 5016271 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No D B
202688622 [Redacted] [Redacted] 5016354 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Number of months for property tax prepaid was left blank.   Reviewer Comment (2017-12-13): Rec'd LOE, corrected CD and evidence of emailing.
     12/13/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes D B
202688622 [Redacted] [Redacted] 5018685 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $18,207.40 while closing CD seller's fees total $17,957.40.   Reviewer Comment (2017-12-13): Rec'd LOE, corrected CD and evidence of emailing.
     12/13/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes D B
202688622 [Redacted] [Redacted] 5018904 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No D B
202688622 [Redacted] [Redacted] 5040717 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Reserves < 6 month guideline minimum; Lender exception approval not provided. Credit score, DTI, reserves, stable employment history. Reviewer Comment (2017-12-15): Rec'd exception:  Reserve requirements not met.


Reviewer Comment (2017-12-13): Received same asset statements totaling $85,629.85.


Buyer Comment (2017-12-07): we have 24 months documented
       12/15/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No D B
202688623 [Redacted] [Redacted] 5048292 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688623 [Redacted] [Redacted] 5048901 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-25): rec'd e-consent
 01/25/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688623 [Redacted] [Redacted] 5048903 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-2,500.00. (9300) The final CD incorrectly reflects the lender credit as a tolerance cure.  Need corrected PC CD removing reference to cure on page 2 Section J and page 3 Calculating Cash to Close table.  CHD-5181   Reviewer Comment (2018-01-25): Rec'd LOE, corrected CD and evidence of emailing.
     01/25/2018   2 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202688623 [Redacted] [Redacted] 5052968 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Loan/Note dated xxxxx approved under Portfolio Select 24 Months Personal Bank Statement program that is no longer available effective xxxxx Credit score, residual income. Reviewer Comment (2018-02-20): Rec'd exception for:  Application was taken prior to new guidelines being published.  OK to underwrite to old guidelines.
       02/20/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688623 [Redacted] [Redacted] 5053527 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Gift Letter not provided   Missing new letter. Xxxxxxx   Reviewer Comment (2018-02-09): Used 5% of "gift funds amount" as loan due to Loan written on memo line, DTI still meets guidelines


Reviewer Comment (2018-01-25): Rec'd another copy of the $xxxxx  already in file.
 02/09/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688623 [Redacted] [Redacted] 5053815 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Missing 6 months ($9,902.04) PITI reserves under Portfolio Select Bank Statement program.  Gift funds cannot be used towards reserve requirement Credit score, residual income. Reviewer Comment (2018-02-20): Rec'd exception for:  Reserve requirements not met.
       02/20/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688623 [Redacted] [Redacted] 5053844 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower. Calculated Available for Closing of ___ is less than Cash From Borrower of  ___. $53,232.65 in verified assets < $59,899.83 cash required to close from Borrower   Reviewer Comment (2018-02-14): Received wire transfer
 02/14/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688623 [Redacted] [Redacted] 5064790 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing evidence departure residence at xxxx is owned free & clear.   Reviewer Comment (2018-02-21): received insurance dec page showing no Mortgagee
 02/21/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688623 [Redacted] [Redacted] 5408492 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on 0xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/0xx/xx/xxxx) E-consent dated xx/xx/xxxx.             2 [Redacted] GA Primary Purchase No Defined Cure   B   B   B   B   B Non QM Non QM No C B
202688624 [Redacted] [Redacted] 5002522 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C A
202688624 [Redacted] [Redacted] 5002523 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Hazard Insurance Hazard Insurance Policy expires within 90 days of the Note Date.  Check data entry and set applicable exception Hazard Insurance Policy Expiration Date ___, Note Date ___     Reviewer Comment (2017-12-12): 12 mos collected at time of closing.


Reviewer Comment (2017-12-12): Refinance
 12/12/2017       1 [Redacted] AZ Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C A
202688624 [Redacted] [Redacted] 5002556 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $55.00 exceeds tolerance of $28.00 plus 10% or $30.80.  Sufficient or excess cure was provided to the borrower at Closing. (0)           12/01/2017   1 [Redacted] AZ Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202688625 [Redacted] [Redacted] 5000892 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688625 [Redacted] [Redacted] 5000972 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-13): Received
 12/13/2017       1 [Redacted] IN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688625 [Redacted] [Redacted] 5000973 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.  $1,319.14 Property Taxes paid by Seller at closing disclosed.   Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.
     12/19/2017   2 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688625 [Redacted] [Redacted] 5000974 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.
     12/19/2017   2 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688625 [Redacted] [Redacted] 5000976 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $21,499.75 < $22,957.39   Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.
     12/19/2017   2 [Redacted] IN Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688625 [Redacted] [Redacted] 5026933 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xx/xx/xxxx disclosed a negative fee amount. (Final/xx/xx/xxxx) Seller's CD discloses a  -$148.50 credit to Seller from Chicago Title for Prior Title Discount, not disclosed on Consumer's CD   Reviewer Comment (2017-12-19): Rec'd LOE, corrected CD and evidence of emailing.
     12/19/2017   2 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688626 [Redacted] [Redacted] 5015470 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688626 [Redacted] [Redacted] 5025363 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact name not found on FInal CD.   Reviewer Comment (2018-01-11): Rec'd LOE, corrected CD and evidence of emailing.
     01/11/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202688626 [Redacted] [Redacted] 5025364 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Deposit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Deposit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-11): Rec'd borrower's request to omit the earnest money from the application.  Sufficient funds have been documented.
 01/11/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202688626 [Redacted] [Redacted] 5025510 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 2. DTI > maximum allowed. Compensating Factors: 1) Reserves. 2) Residual Income. 31.62 months reserves > 6 months guideline minimum - borrowers have verified reserves of $101,237.96

Borrower on this Full documentation loan has a disposable income of $4,101.36		 Reviewer Comment (2017-12-07): Compensating Factors: 1) Reserves. 2) Residual Income.
       12/07/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688626 [Redacted] [Redacted] 5026019 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-11): Rec'd LOE, corrected CD and evidence of emailing.
     01/11/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688626 [Redacted] [Redacted] 5026020 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-11): Cleared with compliance re-run
     01/11/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688626 [Redacted] [Redacted] 5026021 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $30,953.57 >  $23,940.93   Reviewer Comment (2018-01-11): Rec'd LOE, corrected CD and evidence of emailing.
     01/11/2018   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688626 [Redacted] [Redacted] 5063600 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA dues shown in Section C should be in Section H.   Reviewer Comment (2018-01-11): Rec'd LOE, corrected CD and evidence of emailing.
     01/11/2018   2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202688626 [Redacted] [Redacted] 5063990 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Rec'd e-consent
 01/11/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688627 [Redacted] [Redacted] 5007799 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 7.42580% or Final Disclosure APR of 7.47700% is in excess of allowable threshold of APOR 3.73% + 1.5%, or 5.23000%.  Compliant Higher Priced Loan.               2 [Redacted] OK Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202688627 [Redacted] [Redacted] 5007800 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-10): Received econsent
 01/10/2018       1 [Redacted] OK Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688627 [Redacted] [Redacted] 5007820 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal


Reviewer Comment (2018-01-11): Nothing rec'd.
 03/01/2018       1 [Redacted] OK Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688627 [Redacted] [Redacted] 5042440 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The seller's CD reflects $17,251  whereas the borrower's CD reflects $725.             2 [Redacted] OK Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688627 [Redacted] [Redacted] 5042681 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   4,690.30 < $47,129.58   Reviewer Comment (2018-01-08): Deposit was sourced in file
 01/08/2018       1 [Redacted] OK Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688627 [Redacted] [Redacted] 5042682 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   $47,705.18 deposit on xxxxxx is not sourced verified.    Unable to reconcile $68,149.57 withdrawal from xxxxx account (p 144) prior xxxxx statement date and $47,705.18 as one and the same as a result of an early distribution.   Reviewer Comment (2018-01-08): Deposit was sourced in file
 01/08/2018       1 [Redacted] OK Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688628 [Redacted] [Redacted] 5027364 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing evidence of mandatory escrows for taxes and insurance   Reviewer Comment (2018-01-11): Escrow waiver provided.  Escrows do not show as mandatory on Matrix/Guidelines
 01/11/2018       1 [Redacted] GA Primary Refinance - Cash-out - Other   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202688628 [Redacted] [Redacted] 5028179 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           12/04/2017   1 [Redacted] GA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Higher Priced QM Safe Harbor QM Yes C B
202688628 [Redacted] [Redacted] 5028373 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2018-02-05): Received Amended Data Tape
 02/05/2018       1 [Redacted] GA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202688628 [Redacted] [Redacted] 5028431 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Credit Risk Summary & Exception Approval in file, page 2. Housing Ratio exceeds program guidelines. Compensating Factors: Credit history, Reserves and Residual income. 20.9 months reserves > 6 months guideline minimum - borrowers have verified reserves of $195,291.94

Borrower on this Full documentation loan has a disposable income of $14,016.25		 Reviewer Comment (2017-12-06): Compensating Factors: Credit history, Reserves and Residual income.
       12/06/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Higher Priced QM Safe Harbor QM No C B
202688628 [Redacted] [Redacted] 5056874 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Issue:  Refinance seasoning requirements not met   Credit Risk Summary & Exception Approval in file, page 2. Property Doesn't meet 12 mos owned to app date for using appraised val for LTV. Compensating Factors: Credit history, Reserves and Residual income. 20.9 months reserves > 6 months guideline minimum - borrowers have verified reserves of $195,291.94

Borrower on this Full documentation loan has a disposable income of $14,016.25		 Reviewer Comment (2017-12-06): Compensating Factors: Credit history, Reserves and Residual income.
       12/06/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Higher Priced QM Safe Harbor QM No C B
202688628 [Redacted] [Redacted] 5056943 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Credit Risk Summary & Exception Approval in file, page 2. Ordered Desk Review instead of 2nd appraisal. Compensating Factors: Credit history, Reserves and Residual income. 20.9 months reserves > 6 months guideline minimum - borrowers have verified reserves of $195,291.94

Borrower on this Full documentation loan has a disposable income of $14,016.25		 Reviewer Comment (2017-12-06): Compensating Factors: Credit history, Reserves and Residual income.
       12/06/2017 2 [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C B C B Higher Priced QM Safe Harbor QM No C B
202688628 [Redacted] [Redacted] 5058367 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) Escrow Account does not disclose the reason loan transaction will not have an escrow account (you declined or your lender does not offer one).   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2018-01-12): Various Compliance errors on PCCD dated 0xx/xx/xxxx due to missing Margin on page 4 affecting the figures in the Loan Calculations on page 5.
     01/30/2018   2 [Redacted] GA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Higher Priced QM Safe Harbor QM Yes C B
202688628 [Redacted] [Redacted] 5497761 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received Amended Data Tape             2 [Redacted] GA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202688629 [Redacted] [Redacted] 5007756 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688629 [Redacted] [Redacted] 5007771 [Redacted] [Redacted] Credit Property - Appraisal General Appraisal Requirements Property - Appraisal Appraiser did not analyze the purchase contract Valuation Type: Appraisal / Valuation Report Date: xxxxx     Reviewer Comment (2018-02-08): Received appraiser did analyze contract
 02/08/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688629 [Redacted] [Redacted] 5007785 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-18): rec'd e-consent
 01/18/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688629 [Redacted] [Redacted] 5007786 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $23,655.00 > $21,770.00             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688630 [Redacted] [Redacted] 5007050 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202688630 [Redacted] [Redacted] 5007072 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-14): Received
 12/14/2017       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202688743 [Redacted] [Redacted] 4955856 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CO Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688744 [Redacted] [Redacted] 5019362 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688745 [Redacted] [Redacted] 5033418 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-15): Received
 12/15/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688745 [Redacted] [Redacted] 5073637 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 8. DTI > maximum allowed. Compensating Factors: 1) Payment Shock. 2) Reserves. Guideline variance approved by lender at time of origination Reviewer Comment (2017-12-07): Compensating Factors: 1) Payment Shock. 2) Reserves.
       12/07/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688745 [Redacted] [Redacted] 5074342 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing documentation for large deposit into xxxxxxx   Reviewer Comment (2017-12-15): Large deposit from xxxxx on xx/xx/xxxx.
 12/15/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688746 [Redacted] [Redacted] 5021474 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 5.27 months < 6 months at approved $xxx loan amount under Non-prime program.  Lender's 3 months calculation < 6 months.  Loan amounts ≥ $424,100 under Non-Prime program require 6 months reserves.  Exception not acknowledged by Lender. Stable Employment History - Borrower has 15 years in the same employment. Reviewer Comment (2018-01-11): Rec'd exception for reserve requirements not met, DTI and HDTI > maximum allowed.
       01/11/2018 2 [Redacted] PA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688746 [Redacted] [Redacted] 5021490 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] PA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688746 [Redacted] [Redacted] 5073191 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.80870% or Final Disclosure APR of 7.86900% is in excess of allowable threshold of APOR 3.77% + 2.5%, or 6.27000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-01-11): Rec'd exception for DTI and reserves
 01/11/2018       1 [Redacted] PA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688746 [Redacted] [Redacted] 5073192 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum.  Reserves < minimum.   Reviewer Comment (2018-01-11): Rec'd exception for DTI and reserves
 01/11/2018       1 [Redacted] PA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688746 [Redacted] [Redacted] 5073193 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum.  Reserves < minimum.   Reviewer Comment (2018-01-11): Rec'd exception for DTI and reserves
 01/11/2018       1 [Redacted] PA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202688746 [Redacted] [Redacted] 5073194 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum.  Reserves < minimum.   Reviewer Comment (2018-01-11): Rec'd exception for DTI and reserves
 01/11/2018       1 [Redacted] PA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688746 [Redacted] [Redacted] 5074623 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. No Exception Provided Stable Employment History - Borrower has 15 years in the same employment. Reviewer Comment (2018-01-11): Rec'd exception for reserve requirements not met, DTI and HDTI > maximum allowed.
       01/11/2018 2 [Redacted] PA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688746 [Redacted] [Redacted] 5074625 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. No Exception Provided Stable Employment History - Borrower has 15 years in the same employment. Reviewer Comment (2018-01-11): Rec'd exception for reserve requirements not met, DTI and HDTI > maximum allowed.
       01/11/2018 2 [Redacted] PA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688748 [Redacted] [Redacted] 5021861 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Aged document: Credit Report {loan_credit_report_borrower.order_date} is more than 90 days prior to the note date. Credit Report: Original // Borrower: xxxxxx, Credit Report: Original // Borrower: xxxxxx Credit report dated xxxx is 100 days old on xxxx Note date.  Credit documents must be no more than 90-days old on the date the note is signed.   Reviewer Comment (2017-12-07): The file contains an updated credit report dated xx/xx/xxxx.
 12/07/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688748 [Redacted] [Redacted] 5040857 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. 40.45% DTI > 40% max housing Portfolio Select.  Lender's DTI 41.00% > 40%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Assets, Credit Score, Credit history, Payment shock, Reserves, Stable employment history. Borrower has job stability for 27 years as an Owner.

166 months reserves >6 months guideline minimum

724 representative FICO score >600 guideline minimum		 Reviewer Comment (2017-12-07): Exception in file for DTI exceeds program guidelines.
       12/07/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688748 [Redacted] [Redacted] 5040873 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 48.38% DTI > 45% max housing Portfolio Select.  Lender's DTI 48.93% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Assets, Credit Score, Credit history, Payment shock, Reserves, Stable employment history. Borrower has job stability for 27 years as an Owner.

166 months reserves >6 months guideline minimum

724 representative FICO score >600 guideline minimum		 Reviewer Comment (2017-12-07): Exception in file for DTI exceeds program guidelines
       12/07/2017 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688749 [Redacted] [Redacted] 5026840 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] DE Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688749 [Redacted] [Redacted] 5027121 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $14,403.52 while closing CD seller's fees total $16,336.78.   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] DE Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688749 [Redacted] [Redacted] 5027155 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. The lender on the appraisal is xxx.  xxx is not a party to this transaction.             2 [Redacted] DE Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202688749 [Redacted] [Redacted] 5037992 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Lender approved exception in file with 2 comp factors of low housing ratio and high residual income. Using alimony as deduction instead of debt reduces DTI below guidelines. Front DTI is very low

Residual income is over $7000		 Reviewer Comment (2017-12-07): Exception in file for DTI exceeds guidelines.
       12/07/2017 2 [Redacted] DE Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688751 [Redacted] [Redacted] 5027159 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Title: Evidence of title is missing       Reviewer Comment (2017-12-15): Received Final Title
 12/15/2017       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688751 [Redacted] [Redacted] 5039178 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688752 [Redacted] [Redacted] 5033681 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.  $12,563.83 County/City Taxes prepaid by Borrower at closing disclosed             2 [Redacted] VA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688752 [Redacted] [Redacted] 5033684 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.     Reviewer Comment (2017-12-15): Received
 12/15/2017       1 [Redacted] VA Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688752 [Redacted] [Redacted] 5038984 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 46.31% > 45% Portfolio Select.  Lender's 46.41% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Monthly housing payment decrease, Reserves, Residual income Borrower's mortgage payment decreased by $5,159.55 per month.

15.96 months reserves > 6 months guideline minimum - borrowers have verified reserves of $226,211.16.

Borrower on this Full documentation loan has a disposable income of $31,801.35		 Reviewer Comment (2017-12-07): Lender Exception approval provided.
       12/07/2017 2 [Redacted] VA Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202688752 [Redacted] [Redacted] 5070944 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,121.28 exceeds tolerance of $2,481.00 plus 10% or $2,729.10.  Sufficient or excess cure was provided to the borrower at Closing. (0)           12/07/2017   1 [Redacted] VA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202688753 [Redacted] [Redacted] 5057879 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-07): 2nd full appraisal in file inpu
 03/07/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688753 [Redacted] [Redacted] 5057998 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-14): Received
 12/14/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688753 [Redacted] [Redacted] 5058001 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section. Mortgage Broker contact name is blank.   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202688753 [Redacted] [Redacted] 5058015 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $150.00 Title - Document Prep fee paid by Seller at closing disclosed on Consumer's CD not disclosed on Seller's CD.
TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $77,127.85		   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688753 [Redacted] [Redacted] 5059215 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $140,130.56 < $287,269.25; Missing verification of receipt of gift funds.
- Missing evidence of $50,000.00 wire transfer from donor to settlement agent.
- Missing evidence of $175,000.00 wire transfer from donor to settlement agent.		   Reviewer Comment (2017-12-14): Received evidence of $xxxxx
 12/14/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688753 [Redacted] [Redacted] 5059233 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 49.91% > 45% Portfolio Select.   Lender's DTI 49.70% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Reserves and Residual income 31.01 months reserves > 12 months guideline minimum - borrowers have verified reserves of $299,385.87.

Borrower on this Full documentation loan has a disposable income of $15,008.48.		 Reviewer Comment (2017-12-07): Lender Exception approval provided.
       12/07/2017 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688754 [Redacted] [Redacted] 5026449 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688757 [Redacted] [Redacted] 5034496 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688758 [Redacted] [Redacted] 5029266 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688758 [Redacted] [Redacted] 5029276 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.91320% or Final Disclosure APR of 7.92700% is in excess of allowable threshold of APOR 3.83% + 1.5%, or 5.33000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-01-22): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/22/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688758 [Redacted] [Redacted] 5029277 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum   Reviewer Comment (2018-01-22): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/22/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688758 [Redacted] [Redacted] 5029278 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-01-22): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/22/2018       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202688758 [Redacted] [Redacted] 5029280 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-01-22): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/22/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688758 [Redacted] [Redacted] 5046068 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): rec'd e-consent
 01/11/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688758 [Redacted] [Redacted] 5046420 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   0 months reserves < 3 months guideline minimum.  Missing fully executed Settlement statement for sale of departing residence.   Reviewer Comment (2018-01-11): Rec'd copy of CD from sale of departure residence
 01/11/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688758 [Redacted] [Redacted] 5046433 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $4,728.12 < $64,569.28; Missing signed final Closing Disclosure documenting sale of xxxx reflecting total net proceeds of $90,000.00 and payoff of xxxxxxx   Reviewer Comment (2018-01-11): Rec'd copy of CD from sale of departure residence
 01/11/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688758 [Redacted] [Redacted] 5046437 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 78.31% > 45% Non-Prime Recent Housing Event program.  Missing signed final Closing Disclosure documenting sale of xxxxxxxxxxxxxxx   $1,245.04 mortgage payment total included in total debt obligation and DTI calculation. 18 months reserves > 3 months guideline minimum Reviewer Comment (2018-01-22): Received Credit Risk Summary & Exception approval xx/xx/xxxx


Reviewer Comment (2018-01-17): Rec'd CD from sale of xxxxxx.  DTI is 45.13% and still exceeds maximum 45%.  Credit Risk Summary in file reflects a DTI in excess of 45%, however the exception portion is not completed and the form is not signed.
       01/22/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688759 [Redacted] [Redacted] 4957720 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Investment Purchase   C A C A C A C A C A N/A   No C A
202688759 [Redacted] [Redacted] 4957723 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Note Error: Prepayment penalty period is blank.   Missing Prepayment Penalty Addendum as referenced on Note and CD   Reviewer Comment (2018-01-10): Rec'd prepayment addendum to the note and rider to the mortgage.
 01/10/2018       1 [Redacted] TX Investment Purchase   C A C A C A C A C A N/A   No C A
202688760 [Redacted] [Redacted] 5035835 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688760 [Redacted] [Redacted] 5036196 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-15): rec'd e-consent
 12/15/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688760 [Redacted] [Redacted] 5036197 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker Contact Name field is blank   Reviewer Comment (2017-12-15): Rec'd LOE, corrected CD and evidence of emailing.
     12/15/2017   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202688760 [Redacted] [Redacted] 5036203 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx)               2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688760 [Redacted] [Redacted] 5060638 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   Missing verification of annual hazard insurance for current residence xxxxx.  Loan file contains only annual property tax information.  PITIA not to exceed $1,537.   Reviewer Comment (2017-12-18): Sale of residence was purchased by Relocation Company, evidence of funds received for relocation xx/xx/xxxx.


Reviewer Comment (2017-12-15): At the time the subject transaction closed the borrower still owned the property and would need to qualify with the full PITIA.  Still need evidence of PITIA not to exceed $1,537.


Buyer Comment (2017-12-13): property sold xx/xx/xxxx
 12/18/2017       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688760 [Redacted] [Redacted] 5060660 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 47.76% > 45% Non-Prime program.  Lender's DTI 45.26% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Reserves and Residual income Reserves - Borrower will have 20 months reserves (PITIA) after closing.

Residual Income - Borrower will have $4,500.00 in residual income after payment of obligations.		 Reviewer Comment (2017-12-07): Exception in file for DTI exceeds guidelines
       12/07/2017 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688760 [Redacted] [Redacted] 5060676 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Ineligible property type. ___ 12.93 acre site > A maximum of ten (10) acres is allowed under Non-Prime program.Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Reserves and Residual income Reserves - Borrower will have 20 months reserves (PITIA) after closing.

Residual Income - Borrower will have $4,500.00 in residual income after payment of obligations.		 Reviewer Comment (2017-12-07): Exception in file for:  Acreage exceeds maximum allowed by guidelines.
       12/07/2017 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688762 [Redacted] [Redacted] 5046939 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688762 [Redacted] [Redacted] 5054533 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   =- Missing evidence of receipt and deposit of net proceeds from sale of xxxxxx   Reviewer Comment (2018-01-25): CD is final, same day as closing


Reviewer Comment (2017-12-29): Need documentation that Borrower received the net proceeds or that a copy of wire to Closing agent for subject transaction in the amount of net proceeds from sale.
 01/25/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688762 [Redacted] [Redacted] 5056060 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-29): Received
 12/29/2017       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202688762 [Redacted] [Redacted] 5056061 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $125.00 Title - Title Search fee paid by Seller at closing per Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2017-12-29): Rec'd LOE, corrected CD and evidence of emailing.
     12/29/2017   2 [Redacted] IL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688762 [Redacted] [Redacted] 5056104 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $22,443.33 < $53,492.50   Reviewer Comment (2018-01-25): Received final CD for sale of home, closed same day
 01/25/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688762 [Redacted] [Redacted] 5056117 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Guideline Requirement: Available for Reserves discrepancy.   Missing 3 months ($5,632.50) PITI reserves Non-Prime Recent Housing Event program   Reviewer Comment (2018-01-25): Received final CD for sale of home, closed same day
 01/25/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688762 [Redacted] [Redacted] 5056126 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction ___ xxxxxx   Reviewer Comment (2017-12-29): Received copy of renewal dec page - expires xx/xx/xxxx.
 12/29/2017       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688763 [Redacted] [Redacted] 5038901 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688763 [Redacted] [Redacted] 5046803 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Mortgage Broker Contact Name was left blank.   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202688763 [Redacted] [Redacted] 5054147 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Number of months for prepaid property tax was left blank.   Reviewer Comment (2017-12-14): Rec'd LOE, corrected CD and evidence of emailing.
     12/14/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688764 [Redacted] [Redacted] 5046653 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202688764 [Redacted] [Redacted] 5056189 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-15): rec'd e-consent
 12/15/2017       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202688764 [Redacted] [Redacted] 5056419 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Irregular Transactions TILA-RESPA Integrated Disclosure - Interim Closing Disclosure containing a change in APR, loan product or addition of prepayment penalty was not received by borrower at least three (3) business days prior to consummation. 10/12/17 CD APR = 7.157%.  10/18/17 CD APR = 7.626%.   Reviewer Comment (2018-01-10): Rec'd proof of borrower's receipt xx/xx/xxxx


Reviewer Comment (2017-12-29): Received unsigned CD dated xx/xx/xxxx. No proof of delivery provided to show received by Borrower 3 days prior to Closing.
 01/10/2018       1 [Redacted] GA Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C A
202688764 [Redacted] [Redacted] 5076950 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided       Reviewer Comment (2017-12-15): rec'd fraud report
 12/15/2017       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202688764 [Redacted] [Redacted] 5077733 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing evidence of P & I payment or evidence property is owned free & clear for rental at xxxxx.  Schedule E reflects mortgage interest paid, the 1003 is blank.  DTI subject to change.   Reviewer Comment (2018-01-10): Rec'd fraud report reflecting no mortgage on xxxx


Buyer Comment (2018-01-05): please see page 10 of fraud report there is no mortgage on xxxxx
 01/10/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202688765 [Redacted] [Redacted] 5037259 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided       Reviewer Comment (2017-12-14): Received
 12/14/2017       1 [Redacted] FL Investment Purchase   D A D A D A D A D A N/A N/A No D A
202688765 [Redacted] [Redacted] 5037373 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No D A
202688767 [Redacted] [Redacted] 5066457 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688768 [Redacted] [Redacted] 5051842 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688769 [Redacted] [Redacted] 5058660 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688770 [Redacted] [Redacted] 5042209 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688770 [Redacted] [Redacted] 5042472 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] TN Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202688770 [Redacted] [Redacted] 5042473 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Mortgage notary date xx/xx/xxxx             2 [Redacted] TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688770 [Redacted] [Redacted] 5042482 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $24,436 > $0             2 [Redacted] TN Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688770 [Redacted] [Redacted] 5051231 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Credit Risk Summary & Exception Approval in file, page 9. Housing Ratio > maximum allowed. Compensating Factors: 1) Reserves. 2) Residual Income. 36 months reserves > 6 months guideline minimum - borrowers have verified reserves of $124,393.37

Borrower on this Full documentation loan has a disposable income of $4,659.99		 Reviewer Comment (2017-12-06): Compensating Factors: 1) Reserves. 2) Residual Income.
       12/06/2017 2 [Redacted] TN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202688770 [Redacted] [Redacted] 5052823 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688771 [Redacted] [Redacted] 5042651 [Redacted] [Redacted] Compliance Compliance County Compliance State Defect (County High Cost) Cook County Threshold Loan (Calculated APR/Rate) xxx Predatory Lending Ordinance: APR Threshold is exceeded by .04400%. APR of 8.81400% exceeds a threshold of 8.77000% based on the US Treasury for comparable maturities of 2.77000% plus jurisdiction allowable margin of 6.00000%.  Compliant High Cost Loan.     Reviewer Comment (2017-12-22): Cleared with compliance re-run.
 12/22/2017       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688771 [Redacted] [Redacted] 5042652 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.     Reviewer Comment (2017-12-19): Rec'd SB 1894
 12/19/2017       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688771 [Redacted] [Redacted] 5042655 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $2,950.00 higher amount of RE Commission fee, 400.00 Attorney Fee and $50.00 HOA fee fee paid by Seller at closing disclosed on Consumer's CD not disclosed on Seller's CD   Reviewer Comment (2017-12-22): Rec'd LOE, corrected CD and evidence of emailing.
     12/22/2017   2 [Redacted] IL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202688771 [Redacted] [Redacted] 5087441 [Redacted] [Redacted] Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Compliance Determined Application Date No evidence of application date located in file.  Compliance tests were run using an application date of xx/xx/xxxx.  The source for this date is Month of origination.     Reviewer Comment (2017-12-19): Rec'd initial 1003
 12/19/2017       1 [Redacted] IL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202688771 [Redacted] [Redacted] 5087443 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA TILA NMLSR - Originator Company Not Licensed at time of Application Unable to test LO company NMLS license due to missing information.     Reviewer Comment (2017-12-19): Rec'd initial 1003
 12/19/2017       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688771 [Redacted] [Redacted] 5087444 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application Unable to test Loan Originator license due to missing information.     Reviewer Comment (2017-12-19): Rec'd initial 1003
 12/19/2017       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688771 [Redacted] [Redacted] 5087445 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA TILA NMLSR - Individual Originator License Status Not Approved Unable to test Individual Loan Originator license status due to missing information.     Reviewer Comment (2017-12-19): Rec'd initial 1003
 12/19/2017       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688771 [Redacted] [Redacted] 5087446 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA TILA NMLSR - Originator Company License Status Not Approved Unable to test LO company status due to missing information.     Reviewer Comment (2017-12-19): Rec'd initial 1003
 12/19/2017       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688771 [Redacted] [Redacted] 5087447 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.     Reviewer Comment (2017-12-19): Rec'd initial 1003
 12/19/2017       1 [Redacted] IL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202688772 [Redacted] [Redacted] 5050359 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-15): received
 12/15/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202688772 [Redacted] [Redacted] 5050451 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202688773 [Redacted] [Redacted] 5057974 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Incomplete asset documentation. Xxxxxxxx   Reviewer Comment (2017-12-13): Received wire confirmation document.
 12/13/2017       1 [Redacted] CT Investment Purchase   C A C A C A C A C A N/A N/A No C B
202688773 [Redacted] [Redacted] 5058037 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Loan has a Prepayment Penalty and the Prepayment Penalty Rider is missing       Reviewer Comment (2018-02-28): Loan was modified to remove prepay and PC CD provided


Buyer Comment (2018-02-23): we modified the loan due to not getting a response from the borrower.


Reviewer Comment (2017-12-13): Received copy of Addendum to Note that was already in the file. Need Prepayment Rider to Mortgage.
 02/28/2018       1 [Redacted] CT Investment Purchase   C A C A C A C A C A N/A N/A No C B
202688773 [Redacted] [Redacted] 5058108 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   4.15 < 6 months Portfolio Select Investment program.  $14,860.43 cash-out on purchase transaction the result of $65,000.00 over deposit via $65,000.00 deposit from 1031 Exchange for sale of sold property,  Lender's Credit Risk Summary & Exception Approval acknowledges exception to use cash refund ($14,860.43) towards meeting reserve requirement. LTV 75% < max of 80% Reviewer Comment (2018-01-26): Received Credit Risk Summary & Exception approval xx/xx/xxxx with comp factors


Reviewer Comment (2017-12-13): Credit Risk Summary & Exception Approval form in file, page 15. Reserves: Source ineligible (Cash Out allowed for additional reserve requirement). Compensating Factors: none
       01/26/2018 2 [Redacted] CT Investment Purchase   C B C B C B C B C B N/A N/A No C B
202688774 [Redacted] [Redacted] 5065019 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202688774 [Redacted] [Redacted] 5065023 [Redacted] [Redacted] Credit Data Verification General Data Verification The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio.   Missing employment documention/letter from accountant for xxxxx income $10,500 per month   Reviewer Comment (2017-12-13): CPA letter received, DTI now 32.52067%
 12/13/2017       1 [Redacted] FL Investment Refinance - Cash-out - Other   B A B A B A B A B A N/A N/A No C A
202688774 [Redacted] [Redacted] 5065035 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Employment Error: Employment job title not provided. Borrower: xxx // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: <empty> Missing income documentation   Reviewer Comment (2017-12-13): CPA letter received, DTI now 32.52067%
 12/13/2017       1 [Redacted] FL Investment Refinance - Cash-out - Other   B A B A B A B A B A N/A N/A No C A
202688774 [Redacted] [Redacted] 5065060 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy.   1003 shows borrower self employed, missing letter / Written VVOE from accountant   Reviewer Comment (2017-12-13): CPA letter received, DTI now 32.52067%
 12/13/2017       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202688774 [Redacted] [Redacted] 5065081 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Income Data was not provided Income Source and Qualifying Monthly Income Amount are required. (xxx (employer xxx)/Schedule C)     Reviewer Comment (2017-12-13): CPA letter received, DTI now 32.52067%
 12/13/2017       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202688776 [Redacted] [Redacted] 5059405 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure not reflect a Lender credit for tolerance.   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD, copy of refund check and proof of delivery
     01/22/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202688776 [Redacted] [Redacted] 5059408 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $6,077.50 exceeds tolerance of $5,115.00.  Insufficient or no cure was provided to the borrower. (8304)     Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD, copy of refund check and proof of delivery
     01/22/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202688777 [Redacted] [Redacted] 5054519 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202688777 [Redacted] [Redacted] 5080274 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property taxes are reflected in Section H.  Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.             2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202688777 [Redacted] [Redacted] 5080933 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. The ARM Disclosure is not dated.  Using borrower's signature date of xx/xx/xxxx.   Reviewer Comment (2017-12-18): Received tracking tool showing sent to Borrower xx/xx/xxxx.


Buyer Comment (2017-12-13): see disclosure tracking record- sent x/xx viewed by borrower x/xx
 12/18/2017       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202688778 [Redacted] [Redacted] 5054634 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688778 [Redacted] [Redacted] 5073602 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Both initial and final are missing from package   Reviewer Comment (2017-12-14): Received credit score disclosure printed xx/xx/xxxx
 12/14/2017       1 [Redacted] AZ Investment Purchase     A   A   A   A   A N/A N/A No C A
202688778 [Redacted] [Redacted] 5143496 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. New exception upon receipt of credit score disclosure printed xx/xx/xxxx   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] AZ Investment Purchase     A   A   A   A   A N/A N/A No C A
202688779 [Redacted] [Redacted] 5060842 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688780 [Redacted] [Redacted] 5055612 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Flood insurance coverage amount is insufficient.       Reviewer Comment (2017-12-14): Evidence of Flood Insurance indicates 100% Guaranteed Replacement Cost.


Buyer Comment (2017-12-08): Invalid Condition.  Dec Page states 100% Guaranteed replacement cost
 12/14/2017       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688780 [Redacted] [Redacted] 5055615 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202688781 [Redacted] [Redacted] 5056166 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202693321 [Redacted] [Redacted] 5055187 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Credit Risk Summary & Exception Approval in file, page 2. Housing Ratio > maximum allowed. Compensating Factors: 1) Credit Score. 2) Payment Shock. 3) Reserves. Credit score of 771

Reserves of 23.77 are above minimum required.of 6 months.		 Reviewer Comment (2017-12-12): Credit Risk Summary & Exception Approval in file, page 2. Housing Ratio > maximum allowed. Compensating Factors: 1) Credit Score. 2) Payment Shock. 3) Reserves.
       12/12/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202693321 [Redacted] [Redacted] 5055198 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693321 [Redacted] [Redacted] 5055367 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-01): rec'd e-consent
 02/01/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693321 [Redacted] [Redacted] 5055368 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Missing Mortgage Broker "Contact" name.   Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.
     02/01/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202693321 [Redacted] [Redacted] 5055369 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/323877) Lender escrowed 225.00/mo for HOI vs. actual amount of $224.33/mo. Based on annual premium of $2692.00.   Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.
     02/01/2018   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202693321 [Redacted] [Redacted] 5055370 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/323878) Lender escrowed $225.00/mo for HOI vs. actual amount of $224.33/mo. Based on annual premium of $2692.00.   Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.
     02/01/2018   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202693321 [Redacted] [Redacted] 5055371 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/323879) Lender escrowed $225.00/mo for HOI vs. actual amount of $224.33/mo. Based on annual premium of $2692.00.   Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.
     02/01/2018   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202693321 [Redacted] [Redacted] 5055373 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/323876) Lender escrowed $225.00/mo for HOI vs. actual amount of $224.33/mo. Based on annual premium of $2692.00.   Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.
     02/01/2018   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202693321 [Redacted] [Redacted] 5055376 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $21,786 while closing CD seller's fees total $24,859.56.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202693321 [Redacted] [Redacted] 5055527 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/323876) Lender escrowed $225.00/mo for HOI vs. actual amount of $224.33/mo. Based on annual premium of $2692.00.   Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.
     02/01/2018   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202693321 [Redacted] [Redacted] 5055528 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Lender escrowed $225.00/mo for HOI vs. actual amount of $224.33/mo. Based on annual premium of $2692.00.   Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.
     02/01/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202693321 [Redacted] [Redacted] 5055878 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing further liquidation of retirement assets for closing.   Reviewer Comment (2018-02-23): Updated with receipt of bank statements
 02/23/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693321 [Redacted] [Redacted] 5067530 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing evidence of liquidation of retirement accounts to obtain sufficient funds to close.   Reviewer Comment (2018-02-23): Updated with receipt of bank statement
 02/23/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693321 [Redacted] [Redacted] 5078914 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-01): cleared with compliance re-run
 02/01/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202693322 [Redacted] [Redacted] 5070342 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202693322 [Redacted] [Redacted] 5070497 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)               2 [Redacted] TX Primary Refinance - Cash-out - Other The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B B B B B B B B B B Non QM Non QM No C B
202693322 [Redacted] [Redacted] 5070499 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-12-18): Received
 12/18/2017       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202693322 [Redacted] [Redacted] 5070501 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202693322 [Redacted] [Redacted] 5079226 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Credit Risk Summary & Exception Approval in file, page 2. Credit - one point credit score exception given for pricing. Compensating Factors: 1) LTV. 2) Reserves. 51.713% LTV < 60% guideline max

84.1 months reserves > 3 months guideline minimum - borrowers have verified reserves of $141,981.78 (including cash out proceeds)		 Reviewer Comment (2017-12-08): Compensating Factors: 1) LTV. 2) Reserves.
       12/08/2017 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202693322 [Redacted] [Redacted] 5079243 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Credit Risk Summary & Exception Approval in file, page 2. Alternative income calculation used. Compensating Factors: 1) LTV. 2) Reserves. 51.713% LTV < 60% guideline max

84.1 months reserves > 3 months guideline minimum - borrowers have verified reserves of $141,981.78 (including cash out proceeds)		 Reviewer Comment (2017-12-08): Compensating Factors: 1) LTV. 2) Reserves.
       12/08/2017 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202693323 [Redacted] [Redacted] 5059222 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693323 [Redacted] [Redacted] 5059273 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.88120% or Final Disclosure APR of 6.93000% is in excess of allowable threshold of APOR 3.83% + 1.5%, or 5.33000%.  Non-Compliant Rate Spread Home Loan.     Reviewer Comment (2018-02-12): Received attestation letter for YSP
 02/12/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693323 [Redacted] [Redacted] 5059275 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium. $3,006.00 Broker Compensation (YSP) paid to Broker by Lender at closing   Reviewer Comment (2018-02-12): Received attestation letter for YSP
 02/12/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693323 [Redacted] [Redacted] 5059276 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): rec'd e-consent
 02/06/2018       1 [Redacted] NC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693323 [Redacted] [Redacted] 5059277 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure not reflect a Lender credit for $3,006.00 tolerance.   Reviewer Comment (2018-02-12): Updated with COC
 02/12/2018       1 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202693323 [Redacted] [Redacted] 5059280 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $3,006.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200) $3,006.00 Discount fee not disclosed on Loan Estimate dated xx/xx/xxxx, but disclosed on Closing Disclosure. Change of Circumstance discloses that Borrower requested the interest rate be lowered but not that Discount fee was added as a result of the interest rate lowered via rate buy down. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-12): Updated with COC
 02/12/2018       1 [Redacted] NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202693323 [Redacted] [Redacted] 5080340 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $0.04 more in Property Taxes paid by Seller at closing disclosed on Seller's CD not disclosed on Consumer's CD             2 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202693323 [Redacted] [Redacted] 5086495 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Missing Mortgage Broker Contact NMLS ID number.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202693323 [Redacted] [Redacted] 5560366 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.88120% or Final Disclosure APR of 6.93000% is in excess of allowable threshold of APOR 3.83% + 1.5%, or 5.33000%.  Compliant Rate Spread Home Loan. Received attestation letter for YSP             2 [Redacted] NC Primary Purchase     B   B   B   B   B Non QM Non QM No C B
202693324 [Redacted] [Redacted] 5059566 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202693324 [Redacted] [Redacted] 5073885 [Redacted] [Redacted] Property Property - Appraisal General Appraisal Requirements Property - Appraisal Valuation Exception:   Missing 442 with photos verifying flooring installed foyer/den, living room, dining room, kitchen.bedrooms and shower doors installed in bathroom 1.   Subject is new construction appraised as-is.  Cost to cure not provided by appraiser   Reviewer Comment (2017-12-20): Appraisal done as is.  No need for 442.
 12/20/2017       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202693324 [Redacted] [Redacted] 5074101 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Ineligible property type. ___ Credit Risk Summary & Exception Approval in file, page 2. Condo Project Ineligible. Compensating Factors: LTV and Reserves. 50% < 55% LTV maximum

64.6 months reserves > 12 months guideline minimum - borrowers have verified reserves of $297,322.80		 Reviewer Comment (2017-12-08): Compensating Factors: LTV and Reserves.
       12/08/2017 2 [Redacted] FL Investment Purchase   C B C B C B C B C B N/A N/A No C B
202693325 [Redacted] [Redacted] 5080506 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693325 [Redacted] [Redacted] 5080870 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Payment shock of 278% exceeds guidelines of 250% Borrower on this Full documentation loan has a disposable income of $8,104.91

Borrower has employment stability for 14 years in the xxx.		 Reviewer Comment (2018-01-16): Received Credit Risk Summary & Exception Approval. Payment Shock Exceeds maximum allowed by program. Compensating Factors: 1) Residual Income. 2) Stable Employment History.
       01/16/2018 2 [Redacted] NC Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202693325 [Redacted] [Redacted] 5081141 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.64970% or Final Disclosure APR of 6.79000% is in excess of allowable threshold of APOR 3.79% + 2.5%, or 6.29000%.  Non-Compliant Rate Spread Home Loan.     Reviewer Comment (2018-02-05): Updated with attestation letter
 02/05/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693325 [Redacted] [Redacted] 5081143 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-16): Received
 01/16/2018       1 [Redacted] NC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693325 [Redacted] [Redacted] 5081153 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.     Reviewer Comment (2018-01-16): Received
 01/16/2018       1 [Redacted] NC Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202693325 [Redacted] [Redacted] 5090991 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium.     Reviewer Comment (2018-01-26): Rec'd attestation letter that YSP was charged on the principal balance.
 01/26/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693325 [Redacted] [Redacted] 5101074 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.   Borrower on this Full documentation loan has a disposable income of $8,104.91

Borrower has employment stability for 14 years in the xxx.		 Reviewer Comment (2018-01-16): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Residual Income. 2) Stable Employment History.
       01/16/2018 2 [Redacted] NC Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202693325 [Redacted] [Redacted] 5101078 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___.   Borrower on this Full documentation loan has a disposable income of $8,104.91

Borrower has employment stability for 14 years in the xxx.		 Reviewer Comment (2018-01-16): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Residual Income. 2) Stable Employment History.
       01/16/2018 2 [Redacted] NC Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202693325 [Redacted] [Redacted] 5101129 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.64970% or Final Disclosure APR of 6.79000% is in excess of allowable threshold of APOR 3.79% + 2.5%, or 6.29000%.  Non-Compliant Higher Priced Mortgage Loan. DTI   Reviewer Comment (2018-01-16): Received exception approval for DTI
 01/16/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693325 [Redacted] [Redacted] 5101130 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI   Reviewer Comment (2018-01-16): Received exception approval for DTI
 01/16/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693325 [Redacted] [Redacted] 5101131 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-01-16): Received exception approval for DTI
 01/16/2018       1 [Redacted] NC Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202693325 [Redacted] [Redacted] 5101133 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-01-16): Received exception approval for DTI
 01/16/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693325 [Redacted] [Redacted] 5101134 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index shown on Rate Lock is 1.799%             2 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202693325 [Redacted] [Redacted] 5503009 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.64970% or Final Disclosure APR of 6.79000% is in excess of allowable threshold of APOR 3.79% + 2.5%, or 6.29000%.  Compliant Rate Spread Home Loan.               2 [Redacted] NC Primary Purchase     B   B   B   B   B Non QM Non QM No C B
202693326 [Redacted] [Redacted] 5070871 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-18): Received
 12/18/2017       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693326 [Redacted] [Redacted] 5070874 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7552)           12/07/2017   1 [Redacted] FL Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202693326 [Redacted] [Redacted] 5119962 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202693326 [Redacted] [Redacted] 5120014 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Mortgage notary date is xx/xx/xxxx             2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202693327 [Redacted] [Redacted] 5071416 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Document rec'd xx/xx/xxxx.
 01/11/2018       1 [Redacted] SC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693327 [Redacted] [Redacted] 5071417 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) CD is missing the Mortgage Broker "Contact" name on page 5.   Reviewer Comment (2018-01-11): Corrected PC CD rec'd on xx/xx/xxxx.
 01/11/2018       1 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C B
202693327 [Redacted] [Redacted] 5071424 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 4.             2 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202693327 [Redacted] [Redacted] 5121359 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693328 [Redacted] [Redacted] 5070913 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202693328 [Redacted] [Redacted] 5071128 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-18): Received
 12/18/2017       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202693329 [Redacted] [Redacted] 5072877 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing Vvoe within 10 days of Note from xxxxx   Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693329 [Redacted] [Redacted] 5073014 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Documents rec'd xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693329 [Redacted] [Redacted] 5073015 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 5   Reviewer Comment (2018-01-11): Corrected PC CD rec'd on xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202693329 [Redacted] [Redacted] 5073020 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-11): Rec'd Seller CD on xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202693329 [Redacted] [Redacted] 5122252 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.800             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202693330 [Redacted] [Redacted] 5084646 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-21): Received
 12/21/2017       1 [Redacted] FL Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693330 [Redacted] [Redacted] 5084650 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx)               2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202693330 [Redacted] [Redacted] 5084855 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202693330 [Redacted] [Redacted] 5102079 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower. Calculated Available for Closing of ___ is less than Cash From Borrower of  ___. Missing fully executed settlement statement and verification of wire or receipt of funds in the amount of $99,800.00 by the Borrower for sale of property at xxxxxxx Borrower on this Bank Statement documentation loan has a disposable income of $6,468.66 Reviewer Comment (2018-01-29): Received Credit Risk Summary & Exception approval xx/xx/xxxx waiving only evidence of receipt of funds from sale, the Final HUD1 is provided and was a Simutaneous closing with this subject loan.


Reviewer Comment (2018-01-11): Evidence of receipt of funds not provided.


Reviewer Comment (2017-12-21): Received settlement statement. Still need evidence of receipt of funds.
       01/29/2018 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202693330 [Redacted] [Redacted] 5103125 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Guideline Issue:Insufficient asset documentation.   Loan was approved under 24 months business bank statement program.  File does not contain complete 24 months business bank statements.  File is missing statement for xxxx  Lender calculated income, per worksheet, using xxxxx income twice. Borrower on this Bank Statement documentation loan has a disposable income of $6,468.66 Reviewer Comment (2017-12-27): Received Credit Risk Summary & Exception Approval. Income Documentation missing - Missing 1 month bank statement. Compensating Factors: 1) Payment Shock. 2) Residual Income.
       12/27/2017 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202693330 [Redacted] [Redacted] 5103773 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Broker contact name was left blank on Final CD.   Reviewer Comment (2018-01-11): Rec'd corrected CD.
 01/11/2018       1 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C B
202693331 [Redacted] [Redacted] 5074991 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-12): Received
 01/12/2018       1 [Redacted] GA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693331 [Redacted] [Redacted] 5074996 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/xx/xx/xxxx) Used the lower of original purchase price within the past year of $xxx vs current appraised value of $xxx.   Reviewer Comment (2018-01-12): Rec'd LOE, corrected CD and evidence of emailing.
     01/12/2018   1 [Redacted] GA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202693331 [Redacted] [Redacted] 5074999 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-12): Rec'd LOE, corrected CD and evidence of emailing.
     01/12/2018   2 [Redacted] GA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202693331 [Redacted] [Redacted] 5106472 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/325722)     Reviewer Comment (2018-02-09): xxx's audited projected payments table is the default approach, which has been vetted with outside counsel (in this scenario, discloses the fixed rate period in the first column, first ARM adjustments until the end of the IO period in the second column, first adjustment to P&I payment (end of IO period) in the third column, and remaining period and adjustments in the fourth column). Notwithstanding the foregoing, we acknowledge that the project payments regulation could be read such that the alternative method for disclosure utilized by the creditor may also be deemed correct. Accordingly, xxx will accept alternative method for disclosure. OK to clear PPT exception on this loan. (CHD-5678)


Reviewer Comment (2018-02-08): PCCD dated xx/xx/xxxx has not cured the issue.


Reviewer Comment (2018-01-12): $1,688 < $4,660
 02/09/2018       1 [Redacted] GA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202693331 [Redacted] [Redacted] 5106474 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/325723)     Reviewer Comment (2018-02-09): xxx's audited projected payments table is the default approach, which has been vetted with outside counsel (in this scenario, discloses the fixed rate period in the first column, first ARM adjustments until the end of the IO period in the second column, first adjustment to P&I payment (end of IO period) in the third column, and remaining period and adjustments in the fourth column). Notwithstanding the foregoing, we acknowledge that the project payments regulation could be read such that the alternative method for disclosure utilized by the creditor may also be deemed correct. Accordingly, xxx will accept alternative method for disclosure. OK to clear PPT exception on this loan. (CHD-5678)


Reviewer Comment (2018-01-12): $1,688 < $4,660
 02/09/2018       1 [Redacted] GA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202693331 [Redacted] [Redacted] 5106475 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx)     Reviewer Comment (2018-02-16): Received confirmation


Reviewer Comment (2018-02-13): Rec'd screenshot indicating "e-disclosures" sent to the borrower xx/xx/xxxx.  The screenshot has blacked out information and does not identify the documents that were sent.
 02/16/2018       1 [Redacted] GA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202693331 [Redacted] [Redacted] 5311151 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Reran compliance. Index per Rate Lock is 1.791%   Reviewer Comment (2018-02-13): Cleared with compliance re-run
 02/13/2018       1 [Redacted] GA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure   A   A   A   A   A Non QM Non QM Yes C B
202693332 [Redacted] [Redacted] 5081626 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent form not in file   Reviewer Comment (2017-12-21): Received
 12/21/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693332 [Redacted] [Redacted] 5082281 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693332 [Redacted] [Redacted] 5105268 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $41,721.41 while closing CD seller's fees total $38,188.91.   Reviewer Comment (2017-12-21): Rec'd LOE, corrected CD and evidence of emailing.
     12/21/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202693333 [Redacted] [Redacted] 5073223 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Ineligible property type. ___ 2.8.2 Acreage - A maximum of ten (10) acres is allowed, however parcels not exceeding twenty (20) acres may be considered if it is typical for the area and value/marketability is supported with appraisal comparables of similar acreage. Exception Provided LTV

Residual Income		 Reviewer Comment (2017-12-11): Exception in file.  Acreage exceeds maximum allowed by guidelines.
       12/11/2017 2 [Redacted] TN Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202693333 [Redacted] [Redacted] 5075111 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TN Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202693333 [Redacted] [Redacted] 5075163 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-21): Received
 12/21/2017       1 [Redacted] TN Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693335 [Redacted] [Redacted] 5084773 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202693335 [Redacted] [Redacted] 5084833 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-21): Received
 12/21/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202693336 [Redacted] [Redacted] 5086871 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > 45% max; Lender exception approval does not list an exception approval for DTI. 111 months reserves > 3 months guideline minimum - borrowers have verified reserves of $352,517.72

Borrower on this Full documentation loan has a disposable income of $7,360.19		 Reviewer Comment (2017-12-21): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Reserves. 2) Residual Income.
       12/21/2017 2 [Redacted] AZ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202693336 [Redacted] [Redacted] 5086939 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693336 [Redacted] [Redacted] 5087043 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.96770% or Final Disclosure APR of 8.02600% is in excess of allowable threshold of APOR 3.78% + 1.5%, or 5.28000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-12-21): Received exception approval for DTI.
 12/21/2017       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693336 [Redacted] [Redacted] 5087044 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2017-12-21): Received exception approval for DTI.
 12/21/2017       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693336 [Redacted] [Redacted] 5087045 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2017-12-21): Received exception approval for DTI.
 12/21/2017       1 [Redacted] AZ Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202693336 [Redacted] [Redacted] 5087046 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2017-12-21): Received exception approval for DTI.
 12/21/2017       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693336 [Redacted] [Redacted] 5087047 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-21): Received
 12/21/2017       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693336 [Redacted] [Redacted] 5106563 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $547.01 while closing CD seller's fees total $754.76.             2 [Redacted] AZ Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202693338 [Redacted] [Redacted] 5088476 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C B
202693338 [Redacted] [Redacted] 5108545 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Subject property is currently listed on market; does not meet 12 month guideline requirement.  Lender Exception approval provided with comp factors:Low LTV, Excess reserves. 50% LTV < 65% guideline max

114 months reserves > 12 months guideline minimum		 Reviewer Comment (2017-12-11): Lender exception approval provided.
       12/11/2017 2 [Redacted] FL Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A N/A No C B
202693339 [Redacted] [Redacted] 5109232 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-12): Documents rec'd xx/xx/xxxx.
 01/12/2018       1 [Redacted] IL Primary Refinance - Cash-out - Home Improvement No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693339 [Redacted] [Redacted] 5109243 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Missing income calculation for xxxxx, based on information provided income  is less than broker qualified. Residual income at $9700, Full Doc Reviewer Comment (2018-01-10): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/10/2018 2 [Redacted] IL Primary Refinance - Cash-out - Home Improvement   C B C B C B C B C B Non QM Non QM No C B
202693339 [Redacted] [Redacted] 5109476 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2018-01-10): Received Credit Risk Summary & Exception approval
 01/10/2018       1 [Redacted] IL Primary Refinance - Cash-out - Home Improvement Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202693339 [Redacted] [Redacted] 5109477 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2018-01-10): Received Credit Risk Summary & Exception approval
 01/10/2018       1 [Redacted] IL Primary Refinance - Cash-out - Home Improvement   C A C A C A C A C A Non QM Non QM No C B
202693339 [Redacted] [Redacted] 5111004 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-12): Corrected PC CD rec'd xx/xx/xxxx.
 01/12/2018       1 [Redacted] IL Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C B
202693339 [Redacted] [Redacted] 5111066 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Lender documented replacement cost is $750,494 and insurance amount is $750,000. Unknown what xxxxxx coverage may include.   Reviewer Comment (2018-01-10): binder includes coverage for Detached Garage, included 10% other structures
 01/10/2018       1 [Redacted] IL Primary Refinance - Cash-out - Home Improvement   C A C A C A C A C A Non QM Non QM No C B
202693340 [Redacted] [Redacted] 5087973 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-12-21): Received
 12/21/2017       1 [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202693340 [Redacted] [Redacted] 5107325 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. 5% LTV exception required due to cash-out >$100k, Lender exception granted. Compensating Factors: 35mo reserves and 7yrs current mortgage history 45 months reserves > 3 months guideline minimum

Mortgage payment history is 0x30 since 2010.		 Reviewer Comment (2017-12-11): Lender Exception approval provided.
       12/11/2017 2 [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202693340 [Redacted] [Redacted] 5107337 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202693341 [Redacted] [Redacted] 5093417 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202693341 [Redacted] [Redacted] 5093489 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-12): Documentation rec'd xx/xx/xxxx.
 01/12/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202693341 [Redacted] [Redacted] 5093497 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx)     Reviewer Comment (2018-01-12): Documentation rec'd xx/xx/xxxx.
 01/12/2018       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C A
202693341 [Redacted] [Redacted] 5115297 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA Transfer in Section C should be in Section H.   Reviewer Comment (2018-01-12): Corrected PC CD rec'd xx/xx/xxxx.
 01/12/2018       1 [Redacted] FL Primary Purchase Good Faith Redisclosure B A B A B A B A B A Non QM Non QM Yes C A
202693342 [Redacted] [Redacted] 5094408 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-12-21): Received
 12/21/2017       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202693342 [Redacted] [Redacted] 5094825 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202693342 [Redacted] [Redacted] 5094865 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2017-12-20): Based on revised data tape
 12/20/2017       1 [Redacted] GA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202693342 [Redacted] [Redacted] 5094866 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-21): Received
 12/21/2017       1 [Redacted] GA Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202693342 [Redacted] [Redacted] 5094869 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Prepaid City/County taxes number of months was left blank on Final CD.             2 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202693342 [Redacted] [Redacted] 5203526 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Based on revised data tape provided             2 [Redacted] GA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202693343 [Redacted] [Redacted] 5104812 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property taxes are reflected in Section H.  Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.             2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202693343 [Redacted] [Redacted] 5105368 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693343 [Redacted] [Redacted] 5105429 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received EConsent
 01/17/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693343 [Redacted] [Redacted] 5115625 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Insufficient housing history verification. Residual Income

Employment		 Reviewer Comment (2017-12-12): Exception in file for insufficient housing history verification.
       12/12/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202693343 [Redacted] [Redacted] 5116069 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Valuation:   Missing secondary valuation required for non-arms length transactions.  The borrower is employed by the originating Broker.   Reviewer Comment (2018-01-12): Guidelines are vague and this is not always reqyuired
 01/12/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693343 [Redacted] [Redacted] 5116592 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. 90% requires a credit score of 680.  The borrower's score is 678. Residual Income

Employment		 Reviewer Comment (2018-01-17): Received exception approval for LTV up to 90% based on residual income and stable employment
       01/17/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202693343 [Redacted] [Redacted] 5116598 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Combined loan to value discrepancy.   90% requires a credit score of 680.  The borrower's score is 678. Residual Income

Employment		 Reviewer Comment (2018-01-19): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/19/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202693344 [Redacted] [Redacted] 5106130 [Redacted] [Redacted] Compliance Compliance Federal Compliance Flood Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone Loan originated post December 2015, the subject property  is in a flood zone, flood insurance is not escrowed. Missing matrix allowing for waived escrows.             2 [Redacted] FL Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202693344 [Redacted] [Redacted] 5106135 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) It is not indicated whether the borrower declined or the lender does not offer.   Reviewer Comment (2017-12-22): Rec'd LOE, corrected CD and evidence of emailing.
     12/22/2017   2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202693344 [Redacted] [Redacted] 5116968 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Loan product type is ineligible per guidelines.   Interest only is for rate/term refinances only.  The subject transaction is cash out. Guideline variance approved by lender at time of origination.

Guideline variance approved by lender at time of origination.

Borrower has employment stability for 15 years.		 Reviewer Comment (2017-12-12): Exception in file allowing cash out on an interest only loan.
       12/12/2017 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202693345 [Redacted] [Redacted] 5109925 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] NM Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693345 [Redacted] [Redacted] 5109952 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.   LTV, residual income Reviewer Comment (2017-12-12): Exception in file for reserves requirement not met.
       12/12/2017 2 [Redacted] NM Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202693345 [Redacted] [Redacted] 5121298 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property taxes are reflected in Section H.  Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.             2 [Redacted] NM Primary Refinance - Rate/Term Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202693345 [Redacted] [Redacted] 5121366 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NM Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202693345 [Redacted] [Redacted] 5121403 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Per guidelines, NSF and overdraft activity must be reviewed for acceptability.  The borrower has 21 instances of NSF and overdraft fees in the last 24 months that have not been addressed. LTV, residual income Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception Approval. Income - Analyzed bankstatements ok to proceed with NSF charges. Compensating Factors: 1) LTV. 2) Residual Income.
       01/17/2018 2 [Redacted] NM Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202693346 [Redacted] [Redacted] 5110681 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Safe Harbor QM Safe Harbor QM No C B
202693346 [Redacted] [Redacted] 5110816 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2017-12-27): Received updated data tape with designations
 12/27/2017       1 [Redacted] FL Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Safe Harbor QM Safe Harbor QM Yes C B
202693346 [Redacted] [Redacted] 5110817 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] FL Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Safe Harbor QM Safe Harbor QM No C B
202693346 [Redacted] [Redacted] 5110818 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/327336) Lender escrowed Flood insurance premium and monthly amount based on previous revised policy at $510.00/yr; Current renewal policy effective on xx/xx/xxxx is $505.00/yr.  Lender also escrowed for windstorm insurance using the annual premium for the current flood policy; file does not contain evidence of windstorm insurance.   Reviewer Comment (2017-12-26): Rec'd LOE, corrected CD and evidence of emailing.
     12/26/2017   2 [Redacted] FL Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Safe Harbor QM Safe Harbor QM Yes C B
202693346 [Redacted] [Redacted] 5110819 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/327337) Lender escrowed Flood insurance premium and monthly amount based on previous revised policy at $510.00/yr; Current renewal policy effective on xx/xx/xxxx is $505.00/yr.  Lender also escrowed for windstorm insurance using the annual premium for the current flood policy; file does not contain evidence of windstorm insurance.   Reviewer Comment (2017-12-26): Rec'd LOE, corrected CD and evidence of emailing.
     12/26/2017   2 [Redacted] FL Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Safe Harbor QM Safe Harbor QM Yes C B
202693346 [Redacted] [Redacted] 5110820 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/327338) Lender escrowed Flood insurance premium and monthly amount based on previous revised policy at $510.00/yr; Current renewal policy effective on xx/xx/xxxx is $505.00/yr.  Lender also escrowed for windstorm insurance using the annual premium for the current flood policy; file does not contain evidence of windstorm insurance.   Reviewer Comment (2017-12-26): Rec'd LOE, corrected CD and evidence of emailing.
     12/26/2017   2 [Redacted] FL Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Safe Harbor QM Safe Harbor QM Yes C B
202693346 [Redacted] [Redacted] 5110821 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/327339) Lender escrowed Flood insurance premium and monthly amount based on previous revised policy at $510.00/yr; Current renewal policy effective on xx/xx/xxxx is $505.00/yr.  Lender also escrowed for windstorm insurance using the annual premium for the current flood policy; file does not contain evidence of windstorm insurance.   Reviewer Comment (2017-12-26): Rec'd LOE, corrected CD and evidence of emailing.
     12/26/2017   2 [Redacted] FL Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Safe Harbor QM Safe Harbor QM Yes C B
202693346 [Redacted] [Redacted] 5110822 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/327336) Lender escrowed Flood insurance premium and monthly amount based on previous revised policy at $510.00/yr; Current renewal policy effective on xx/xx/xxxx is $505.00/yr.  Lender also escrowed for windstorm insurance using the annual premium for the current flood policy; file does not contain evidence of windstorm insurance.   Reviewer Comment (2017-12-26): Rec'd LOE, corrected CD and evidence of emailing.
     12/26/2017   2 [Redacted] FL Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Safe Harbor QM Safe Harbor QM Yes C B
202693346 [Redacted] [Redacted] 5110827 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] FL Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A C A C A Safe Harbor QM Safe Harbor QM Yes C B
202693346 [Redacted] [Redacted] 5117598 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Negative Amortization TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains Negative Amortization. (Final/xx/xx/xxxx) Negative Amortization question was left blank on Final CD.   Reviewer Comment (2017-12-26): Rec'd LOE, corrected CD and evidence of emailing.
     12/26/2017   2 [Redacted] FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Safe Harbor QM Safe Harbor QM Yes C B
202693347 [Redacted] [Redacted] 5117103 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage amount is not sufficient to cover the estimated cost new or the total loan amount for 1st and 2nd.   Reviewer Comment (2018-01-10): Received documented insurable value from xxxxx
 01/10/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202693347 [Redacted] [Redacted] 5117114 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202693347 [Redacted] [Redacted] 5117204 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-29): Received
 12/29/2017       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202693348 [Redacted] [Redacted] 5108967 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-04): Received
 01/04/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202693348 [Redacted] [Redacted] 5112529 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202693348 [Redacted] [Redacted] 5112580 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2018-01-10): Received Amended Data Tape
 01/10/2018       1 [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202693348 [Redacted] [Redacted] 5123465 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains a Demand Feature. (Final/xx/xx/xxxx) No box selected on CD.   Reviewer Comment (2018-01-12): Corrected PC CD rec'd xx/xx/xxxx.
 01/12/2018       1 [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Higher Priced QM Safe Harbor QM Yes C B
202693348 [Redacted] [Redacted] 5295904 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.               2 [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202693465 [Redacted] [Redacted] 5122986 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Investment Purchase   C A C A C A C A C A N/A N/A No C A
202693466 [Redacted] [Redacted] 5117187 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202693466 [Redacted] [Redacted] 5117306 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-18): Received
 12/18/2017       1 [Redacted] FL Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693466 [Redacted] [Redacted] 5130451 [Redacted] [Redacted] Credit Property - Appraisal Property Eligibility - Subject and Improvements Property - Appraisal Guideline Issue:  Property type not allowed per credit guidelines   Portfolio Select Guide xxxx, 2.8.29 Rural Properties: Primary residence only. Borrower on this Full documentation loan has a disposable income of $4,132.57

Borrower has job stability for 31 years as a xxx.		 Reviewer Comment (2017-12-18): Received Credit Risk Summary & Exception Approval. Property Type ineligible. Compensating Factors: 1) Residual Income. 2) Stable Employment History.
       12/18/2017 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202693467 [Redacted] [Redacted] 5116334 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A   No C A
202693468 [Redacted] [Redacted] 5129265 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy. Note loan amount of ___ is greater than Guideline maximum loan amount of ___. Loan amount > guideline max of $750,000.00.  Lender Exception approval form does not reflect an approved lender exception. 68.376% < 70.00% maximum LTV

Borrower on this Foreign National documentation loan has a disposable income of $25,067.75

108 months reserves > 12 months guideline minimum - borrowers have verified reserves of $858,620.60.		 Reviewer Comment (2017-12-22): Received Credit Risk Summary & Exception Approval. Loan Exceeds maximum allowed by product. Compensating Factors: 1) LTV. 2) Reserves. 3) Residual Income.
       12/22/2017 2 [Redacted] FL Investment Purchase   C B C B C B C B C B N/A N/A No C B
202693468 [Redacted] [Redacted] 5129267 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202693468 [Redacted] [Redacted] 5131788 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   File is missing verification that Primary residence is owned free & clear; property tax and HOI not verified with docs in file.   Reviewer Comment (2018-02-15): Received Letter from Accountant


Reviewer Comment (2017-12-22): Need something in writing, such as from CPA, that primary residence is owned free and clear wtih homeowners and property tax information for the primary residence.


Buyer Comment (2017-12-22): per uw: This is a FN. His primary (that's owned free and clear) is in xxxx. The HOI in question is for another property he owns located at xxxxx

This property has a mortgagee tied to it and since the HOI says "mortgagee billed" that's indicative of it being escrowed however I still hit him for T&I on the REO screen to be conservative.
 02/15/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202693469 [Redacted] [Redacted] 5123801 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202693470 [Redacted] [Redacted] 5122124 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. Loan amount is < $150,000.00 guideline minimum for Brokered loans with Lender paid compensation.  No lender exception approval found in file. Borrower on this Full documentation loan has a disposable income of $6,183.34 Reviewer Comment (2017-12-22): Received Credit Risk Summary & Exception Approval. Loan Amount Less than minimum allowed by program. Compensating Factor: Residual Income.
       12/22/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202693470 [Redacted] [Redacted] 5122126 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202693470 [Redacted] [Redacted] 5122204 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-22): Received
 12/22/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202693471 [Redacted] [Redacted] 5123134 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NJ Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202693471 [Redacted] [Redacted] 5123300 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-08): Received
 01/08/2018       1 [Redacted] NJ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202693472 [Redacted] [Redacted] 5123910 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202693472 [Redacted] [Redacted] 5125540 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Loan is signed as LLC, missing Personal Guaranty   Reviewer Comment (2017-12-20): Borrower signed as both LLC and individual
 12/20/2017       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202700300 [Redacted] [Redacted] 5130158 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202700300 [Redacted] [Redacted] 5130341 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received.
 01/17/2018       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202700300 [Redacted] [Redacted] 5132902 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $17,272.14 while closing CD seller's fees total $17,182.50.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] IL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202700300 [Redacted] [Redacted] 5134917 [Redacted] [Redacted] Property Property - Appraisal General Appraisal Requirements Property - Appraisal Valuation Exception:   File is missing the required appraisal delivery form verifying borrower's receipt of the appraisal within 3 days of the report completion date for transferred appraisals.  File contains only an acknowledgement of receipt signed on xx/xx/xxxx; the appraisal report date is xx/xx/xxxx.   Reviewer Comment (2018-01-17): Received internal tracking showing send Efolder xx/xx/xxxx
 01/17/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202700300 [Redacted] [Redacted] 5141124 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing third party verification within 10 days of Note for borrowers business: xxxxx Borrower has residual income of $12,580 Reviewer Comment (2018-01-17): Received VVOE / Internet Search xx/xx/xxxx - outside of 10 days of Note date, with Credit Risk Summary & Exception approval
       01/17/2018 2 [Redacted] IL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202700301 [Redacted] [Redacted] 5134294 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202700301 [Redacted] [Redacted] 5134418 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-22): Received
 12/22/2017       1 [Redacted] IN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202700301 [Redacted] [Redacted] 5142677 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Flood Cert and Hazard Insurance show address as xxxxx. Note shows address as xxxxx. (USPS website shows address as xxxxx).   Reviewer Comment (2018-01-10): Received flood with correct address


Reviewer Comment (2017-12-27): Received Evidence of Property Insurance with road shown as County (instead of Country). Still need revised Flood Cert..
 01/10/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202700302 [Redacted] [Redacted] 5134964 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202700302 [Redacted] [Redacted] 5134966 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $690 Home Warranty   Reviewer Comment (2018-01-19): No violation


Reviewer Comment (2017-12-15): xx


Reviewer Comment (2017-12-14): There is no 0% tolerance violation; Home Warranty fee was captured in incorrect section and an exception has been set.
 01/19/2018       1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202700302 [Redacted] [Redacted] 5134968 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Warranty.  Fee Amount of $690.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $690 Home Warranty   Reviewer Comment (2018-01-19): No violation


Reviewer Comment (2017-12-15): xx


Reviewer Comment (2017-12-14): There is no 0% tolerance violation; Home Warranty fee was captured in incorrect section and an exception has been set.
 01/19/2018       1 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202700302 [Redacted] [Redacted] 5135082 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Closing Disclosure Closing Date xxxx vs. Actual Closing Date xxxxx (Notary date on Mortgage)   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202700302 [Redacted] [Redacted] 5135151 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202700302 [Redacted] [Redacted] 5144817 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Home Warranty Fee paid by the Borrower was disclosed in Section C of Final CD and should have been disclosed in Section H.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] CA Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202700302 [Redacted] [Redacted] 5155408 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI increased after removing transfers from Bank Statement income and including PITI for departing residence. Residual income at $6650 per month Reviewer Comment (2018-01-19): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/19/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202700302 [Redacted] [Redacted] 5155472 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.21330% or Final Disclosure APR of 6.23600% is in excess of allowable threshold of APOR 3.86% + 1.5%, or 5.36000%.  Non-Compliant Higher Priced Mortgage Loan. DTI   Reviewer Comment (2018-01-19): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/19/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202700302 [Redacted] [Redacted] 5155473 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI   Reviewer Comment (2018-01-19): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/19/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202700302 [Redacted] [Redacted] 5155474 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-01-19): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/19/2018       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202700302 [Redacted] [Redacted] 5155475 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-01-19): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/19/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202700302 [Redacted] [Redacted] 5155476 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $45,091.23 while closing CD seller's fees total $45,253.23.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202700303 [Redacted] [Redacted] 5133681 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202700303 [Redacted] [Redacted] 5133821 [Redacted] [Redacted] Property Collateral General Collateral Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: xxxxx www.asc.gov shows effective date/issue date of xxxx.  License in file shows issued date of xxxx.  Appraisal was completed on xxxx   Reviewer Comment (2017-12-26): TX does not show status history, license in file


Buyer Comment (2017-12-19): please see license that is uploaded-- the appraiser renewed it prior to expiration date
 12/26/2017       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202700303 [Redacted] [Redacted] 5133899 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-22): Received
 12/22/2017       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202700303 [Redacted] [Redacted] 5141265 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 12. Reserves: Requirements not met. Compensating Factors: 1) Credit History. 2) LTV. 3) Payment Shock. 58.36576% < 60% max LTV Reviewer Comment (2017-12-14): Compensating Factors: 1) Credit History. 2) LTV. 3) Payment Shock.
       12/14/2017 2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202700303 [Redacted] [Redacted] 5142079 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-12-22): Received
 12/22/2017       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202700304 [Redacted] [Redacted] 5146407 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Safe Harbor QM No C B
202700304 [Redacted] [Redacted] 5147075 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Number of months for prepaid City Property Tax was left blank.             2 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Safe Harbor QM Yes C B
202700304 [Redacted] [Redacted] 5147076 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Number of months for prepaid County Property Tax was left blank.             2 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Safe Harbor QM Yes C B
202700304 [Redacted] [Redacted] 5159671 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $788.36 exceeds tolerance of $786.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)           12/15/2017   1 [Redacted] GA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A A A Non QM Safe Harbor QM Yes C B
202700304 [Redacted] [Redacted] 5160269 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Amortization term discrepancy. Note amortization term of ___ does not match Guideline amortization term of ___. Jumbo Prime guidelines do not allow for a 20 Year Fixed rate loan. 814 representative FICO score Reviewer Comment (2018-01-19): Credit Risk Summary & Exception approval received xx/xx/xxxx
       01/19/2018 2 [Redacted] GA Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Safe Harbor QM No C B
202700304 [Redacted] [Redacted] 5863229 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated tape date with designation of QM Safe Harbor             2 [Redacted] GA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status   B   B   B   B   B Non QM Safe Harbor QM Yes C B
202700305 [Redacted] [Redacted] 5143494 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202700305 [Redacted] [Redacted] 5143981 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-22): Received
 12/22/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202700305 [Redacted] [Redacted] 5143982 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Broker Contact name was left blank on Final Closing Disclosure.   Reviewer Comment (2017-12-22): Rec'd LOE, corrected CD and evidence of emailing.
     12/22/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202700306 [Redacted] [Redacted] 5150814 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-08): Received
 01/08/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202700306 [Redacted] [Redacted] 5150881 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202700306 [Redacted] [Redacted] 5156621 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $16,644.53 while closing CD seller's fees total $25,214.53.   Reviewer Comment (2018-01-17): Rec'd LOE, corrected CD and evidence of emailing.
     01/17/2018   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202700306 [Redacted] [Redacted] 5156970 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI is > 45% guideline max.  Credit Risk Summary & Exception Approval (p. 2) was provided with comp factors of: excess reserves and excess residual income. 46.26 months reserves > 6 months guideline minimum

Borrower on this Alt documentation loan has a disposable income of $3,903.85		 Reviewer Comment (2017-12-15): Lender Exception approval form provided.
       12/15/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202700307 [Redacted] [Redacted] 5156633 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202700307 [Redacted] [Redacted] 5156772 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Broker Contact name was left blank of Final Closing Disclosure.   Reviewer Comment (2017-12-22): Rec'd LOE, corrected CD and evidence of emailing.
     12/22/2017   2 [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202700307 [Redacted] [Redacted] 5160945 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-22): Received
 12/22/2017       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202700307 [Redacted] [Redacted] 5160946 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $590.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           12/15/2017   1 [Redacted] IL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202703075 [Redacted] [Redacted] 5154696 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202703076 [Redacted] [Redacted] 5152904 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-22): Received
 12/22/2017       1 [Redacted] FL Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202703076 [Redacted] [Redacted] 5173586 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy. Note loan amount of ___ is greater than Guideline maximum loan amount of ___. Credit Risk Summary & Exception Approval, pg 273. Loan amount exceeds maximum allowed by product. Loan amount > $2,000,000 requires a credit score of 700. Compensating Factors: 1) Housing ratio 2) Housing payment decreasing 3) Residual Income 4) Employment history 33.49% Housing Ratio is below the guideline limit of 40%

$38,826.38 Residual income exceeds program guidelines of $3000 (Bank Statement income)		 Reviewer Comment (2017-12-18): Compensating Factors: 1) Housing ratio 2) Housing payment decreasing 3) Residual Income 4) Employment history
       12/18/2017 2 [Redacted] FL Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202703076 [Redacted] [Redacted] 5173618 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.776. Lowest Index in date range available used is 1.79067%.             2 [Redacted] FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202703076 [Redacted] [Redacted] 5174925 [Redacted] [Redacted] Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal was made "subject to" and Form 442 was not provided. Valuation Type: Appraisal / Valuation Report Date: xx/xx/xxxx Appraisal dated xx/xx/xxxx was made "subject to the following repairs or alterations on the basis of a hypothetical condition that repairs or alterations have been completed".   Reviewer Comment (2017-12-22): Received revised appraisal showing property "as is".
 12/22/2017       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202703076 [Redacted] [Redacted] 5176112 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Loan file contained two partial bank statements for xxxx, Missing xxxxx statement for bank statement income.   Reviewer Comment (2018-01-04): Change in cycling for the bank account, averaged over 24 months, (2 statements for June due to Cycling)


Reviewer Comment (2017-12-27): Received same two partial xxxxx statements, which are not being requested. Looking for xxxx (missing 24 months required), received xxxxx statement that was already in the file. NEED: xxxx statement for Bank Statement income.
 01/04/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202703077 [Redacted] [Redacted] 5157881 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] MD Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202703077 [Redacted] [Redacted] 5158394 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance Maryland HPML Threshold Test Compliant Maryland Higher-Priced Mortgage Loan: APR on subject loan of 8.01160% or Final Disclosure APR of 8.03900% is in excess of allowable threshold of APOR 3.88% + 1.5%, or 5.38000%.  Compliant Higher Priced Loan.               2 [Redacted] MD Primary Refinance - Cash-out - Debt Consolidation   B B B B B B B B B B Non QM Non QM No C B
202703077 [Redacted] [Redacted] 5158396 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] MD Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202703077 [Redacted] [Redacted] 5158409 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $575.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           12/15/2017   1 [Redacted] MD Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202703077 [Redacted] [Redacted] 5158458 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MD Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202703077 [Redacted] [Redacted] 5183203 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   Missing Compliance Report (Mavent, ComplianceEase, etc.)   Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] MD Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM Yes C B
202703077 [Redacted] [Redacted] 5334897 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance High Cost Indicator Flag Loan does not exceed any high cost thresholds, however, documentation indicating loan was originated as a high cost loan found in file. New exception upon receipt of Mavent report dated xxxxx showing High Cost Fail.             2 [Redacted] MD Primary Refinance - Cash-out - Debt Consolidation     B   B   B   B   B Non QM Non QM No C B
202703078 [Redacted] [Redacted] 5148888 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202703078 [Redacted] [Redacted] 5149301 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202703078 [Redacted] [Redacted] 5149309 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $8,555.00 while closing CD seller's fees total $8,505.00.   Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD and evidence of emailing.
     12/27/2017   2 [Redacted] AZ Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202703078 [Redacted] [Redacted] 5151905 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Residual income discrepancy. Calculated disposable income of ___ is less than Guideline required disposable income of ___. Residual income is < $2,000.00 guideline minimum; Lender exception approval was not provided. 68.80% < 70% maximum

47.3 months reserves > 6 months guideline minimum - borrowers have verified reserves of $37,589.47		 Reviewer Comment (2017-12-26): Received Credit Risk Summary & Exception Approval. Residual Income < required. Compensating Factors: 1) LTV. 2) Reserves.
       12/26/2017 2 [Redacted] AZ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202703079 [Redacted] [Redacted] 5159998 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202703079 [Redacted] [Redacted] 5160551 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 1008 indicates that reserves have been waived. No Lender exception approval document in file. 42.055 < 45% maximum DTI

Borrower on this Full documentation loan has a disposable income of $3,838.81		 Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Credit Score. 2) DTI. 3) Payment Shock. 4) Residual Income.
       01/17/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202703079 [Redacted] [Redacted] 5161035 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202703079 [Redacted] [Redacted] 5161036 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Missing Mortgage Broker "Contact" name.   Reviewer Comment (2018-01-17): Rec'd LOE, corrected CD and evidence of emailing.
     01/17/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202703079 [Redacted] [Redacted] 5161037 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 4             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202703080 [Redacted] [Redacted] 5160341 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202703080 [Redacted] [Redacted] 5160469 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] GA Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202703080 [Redacted] [Redacted] 5164098 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Large deposits in primary money market account were not sourced.  Lender exception approval provided due borrower being of retirement age with plenty of reserves to cover.  Compensating factors: DTI, Reserves, and Residual Income. 27.51% DTI on this Full documentation loan < 45% guideline max - 17.49% below program guideline maximum

261 months reserves > 6 months guideline minimum

Borrower on this Full documentation loan has a disposable income of $14,354.02		 Reviewer Comment (2017-12-15): Lender Exception Approval provided.
       12/15/2017 2 [Redacted] GA Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202703081 [Redacted] [Redacted] 5176820 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NM Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202703081 [Redacted] [Redacted] 5180044 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > 45% guideline max; Credit Risk Summary & Exception Approval (pg.325) reflects Lender approved DTI exception with comp factors: Stable Employment history - 20 years S/E and 739 FICO > 700 FICO minimum. 739 representative FICO score > 700 guideline minimum - 39 points above guideline minimum

Borrower has employment stability for 20 years as a S/E xxx.		 Reviewer Comment (2017-12-19): Lender Exception approval provided.
       12/19/2017 2 [Redacted] NM Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202703082 [Redacted] [Redacted] 5158148 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202703082 [Redacted] [Redacted] 5158426 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-26): Received
 12/26/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202703082 [Redacted] [Redacted] 5158435 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Irregular Transactions TILA-RESPA Integrated Disclosure - Interim Closing Disclosure containing a change in APR, loan product or addition of prepayment penalty was not received by borrower at least three (3) business days prior to consummation.     Reviewer Comment (2017-12-26): Received CD dated xx/xx/xxxx


Buyer Comment (2017-12-19): did not change by more than an eighth
 12/26/2017       1 [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202703082 [Redacted] [Redacted] 5170539 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval, pg 247. DTI > Maximum allowed. Compensating Factors: 1) Reserves 2) Residual Income. 20 months reserves > 3 months guideline minimum - borrowers have verified reserves of $74,000.25

Borrower on this Full documentation loan has a disposable income of $5,391.24		 Reviewer Comment (2017-12-18): Compensating Factors: 1) Reserves 2) Residual Income.
       12/18/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202703082 [Redacted] [Redacted] 5170594 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. Credit Risk Summary & Exception Approval, pg 247. LTV exceeds 70% max allowed for FICO. Compensating Factor: 1) Reserves 2) Residual Income. 20 months reserves > 3 months guideline minimum - borrowers have verified reserves of $74,000.25

Borrower on this Full documentation loan has a disposable income of $5,391.24		 Reviewer Comment (2017-12-18): Compensating Factors: 1) Reserves 2) Residual Income.
       12/18/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202703083 [Redacted] [Redacted] 5186477 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility Borrower and Mortgage Eligibility 1003 Error: Citizenship Source Documentation  was not provided Borrower: xxxxxx Final 1003 indicates that the Co-Borrower is a Permanent Resident Alien. File is missing Permanent Resident card for Co-Borrower.             2 [Redacted] AZ Investment Purchase   B B B B B B B B B B N/A N/A No B B
202703084 [Redacted] [Redacted] 5158110 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Missing Mortgage Broker "Contact" name on last page of CD.   Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD and evidence of emailing.
     12/27/2017   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202703084 [Redacted] [Redacted] 5158112 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-11): Rec'd corrected change of circumstance form.


Reviewer Comment (2017-12-27): Need corrected Change of Circumstance document
 01/11/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202703084 [Redacted] [Redacted] 5158114 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $475.00.  Insufficient or no cure was provided to the borrower. (7506) Appraisal fee increased without a valid change of circumstance.   Reviewer Comment (2018-01-11): Rec'd corrected change of circumstance form.


Reviewer Comment (2017-12-27): Change of Circumstance document provided is not specific enough, need to indicate why appraisal fee is higher.
 01/11/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202703084 [Redacted] [Redacted] 5158240 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $7,602.98 > $7,481.64   Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD and evidence of emailing.
     12/27/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202703084 [Redacted] [Redacted] 5158371 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. OO/2nd Homes with Lender Paid Compensation Min loan amount $150K 87.3 months reserves > 6 months guideline minimum - borrowers have verified reserves of $72,594.64 Reviewer Comment (2017-12-27): Received updated Credit Risk Summary & Exception Approval. Loan Amount less than minimum allowed by program. Compensating Factors: 1) LTV. 2) Reserves.
       12/27/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202703084 [Redacted] [Redacted] 5188297 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 313. DTI > maximum allowed. Compensating Factors: 1) LTV. 2) Reserves. 87.3 months reserves > 6 months guideline minimum - borrowers have verified reserves of $72,594.64 Reviewer Comment (2017-12-19): Compensating Factors: 1) LTV. 2) Reserves.
       12/19/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202703084 [Redacted] [Redacted] 5188506 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Residual income is less than $1,500.00 and below guideline minimum.   Credit Risk Summary & Exception Approval in file, page 313. Residual Income < required. Compensating Factors: 1) LTV. 2) Reserves. 87.3 months reserves > 6 months guideline minimum - borrowers have verified reserves of $72,594.64 Reviewer Comment (2017-12-19): Compensating Factors: 1) LTV. 2) Reserves.
       12/19/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202703085 [Redacted] [Redacted] 5159522 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202703085 [Redacted] [Redacted] 5186521 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement for disclosures was not provided.  File does contain an esign consent specifically for the gift letter only.   Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202703085 [Redacted] [Redacted] 5187303 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA Dues fees was disclosed in section C of Final CD and should have been disclosed in Section H.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202703085 [Redacted] [Redacted] 5187316 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Broker Contact name was left blank.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202703085 [Redacted] [Redacted] 5187318 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) HOA Dues fees was disclosed in section C of Final CD and should have been disclosed in Section H.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202703085 [Redacted] [Redacted] 5187319 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Dues.  Fee Amount of $170.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) HOA Dues fees was disclosed in section C of Final CD and should have been disclosed in Section H.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202703086 [Redacted] [Redacted] 5154500 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2017-12-27): Received
 12/27/2017       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202703086 [Redacted] [Redacted] 5154697 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202703086 [Redacted] [Redacted] 5154790 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Section F Line 1 indicates that 1 month of Homeowner's Insurance Premium was collected, should read 12 months.   Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD and evidence of emailing.
     12/27/2017   2 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202703087 [Redacted] [Redacted] 5175026 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 698 FICO < 700 guideline minimum.  Credit Risk Summary & Exception Approval form (pg. 323) reflects Lender approved exception for FICO with comp factors: $18,000 residual income and 28.7% DTI. 28.68% DTI on this Alternate documentation loan < 45% guideline max -16.32% below program guideline maximum

Borrower on this Alternate documentation loan has a disposable income of $17,516.90 > $3000.00 minimum required.		 Reviewer Comment (2017-12-19): Lender Exception Approval provided.
       12/19/2017 2 [Redacted] NJ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202703087 [Redacted] [Redacted] 5175046 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NJ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202703088 [Redacted] [Redacted] 5162374 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202703088 [Redacted] [Redacted] 5162452 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-27): Received
 12/27/2017       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202703088 [Redacted] [Redacted] 5178073 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Reserves verified are less than 6 month guideline minimum; Credit Risk Summary & Exception Approval (pg. 314) does not list any approved exceptions. Residual income $19,300 Reviewer Comment (2017-12-26): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       12/26/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202703088 [Redacted] [Redacted] 5187652 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $9,256.36 while closing CD seller's fees total $9,561.60.   Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD and evidence of emailing.
     12/27/2017   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202703088 [Redacted] [Redacted] 5188734 [Redacted] [Redacted] Property Collateral General Collateral Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: xxxxx License Issue/Effective date is xxxx   Reviewer Comment (2017-12-28): Verified through state of xxxx borrower is active and has been since xxxxx


Reviewer Comment (2017-12-26): Website shows xx/xx/xxxx - effective date of License


Buyer Comment (2017-12-26): the expiration date of license is xx/xx/xxxx- if you checked the appraisers website they renewed their appraiser license xx/xx/xxxx prior to expiration instead of letting it lapse
 12/28/2017       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202703089 [Redacted] [Redacted] 5167996 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.               2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202703089 [Redacted] [Redacted] 5168028 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index provided on Rate Lock is 1.810%             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202703089 [Redacted] [Redacted] 5175243 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Portfolio select program requires a minimum of 6 months reserves. 28.345% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $5,757.76		 Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income.
       01/17/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202703089 [Redacted] [Redacted] 5175286 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xx/xx/xxxx disclosed a negative fee amount. (Final/xx/xx/xxxx) Seller's CD evidenced a negative fee on block H.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202703089 [Redacted] [Redacted] 5175287 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $8,603.14 < $8,780.64   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202703091 [Redacted] [Redacted] 5164605 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Missing Mortgage Broker "Contact" name   Reviewer Comment (2017-12-27): Rec'd LOE, corrected CD and evidence of emailing.
     12/27/2017   2 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202703091 [Redacted] [Redacted] 5177053 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. YTD Recruiting Bonus not used in audit income. $8,509.20 Residual income on a full doc loan Reviewer Comment (2017-12-27): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factor: Residual Income.
       12/27/2017 2 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202703091 [Redacted] [Redacted] 5177179 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.83580% or Final Disclosure APR of 6.85500% is in excess of allowable threshold of APOR 3.72% + 2.5%, or 6.22000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-12-27): Received Exception approval for DTI.
 12/27/2017       1 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202703091 [Redacted] [Redacted] 5177180 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2017-12-27): Received Exception approval for DTI.
 12/27/2017       1 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202703091 [Redacted] [Redacted] 5177181 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2017-12-27): Received Exception approval for DTI.
 12/27/2017       1 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202703091 [Redacted] [Redacted] 5177182 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2017-12-27): Received Exception approval for DTI.
 12/27/2017       1 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202703091 [Redacted] [Redacted] 5191044 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202703091 [Redacted] [Redacted] 5192090 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2017-12-27): Received
 12/27/2017       1 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202703092 [Redacted] [Redacted] 5160970 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202703092 [Redacted] [Redacted] 5161450 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-01-11): Received
 01/11/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202703092 [Redacted] [Redacted] 5161454 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Received
 01/11/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202703092 [Redacted] [Redacted] 5161458 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Number of months for prepaid property tax was left blank.   Reviewer Comment (2018-01-11): Rec'd LOE, corrected CD and evidence of emailing.
     01/11/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202703092 [Redacted] [Redacted] 5161462 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $16.20 cure provided for recording fee charge of $212.00 vs. max allowed of $165.00.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.


Reviewer Comment (2018-01-11): Additional $30.80 cure for recording fee not provided.
     02/09/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202703092 [Redacted] [Redacted] 5161463 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $212.00 exceeds tolerance of $150.00 plus 10% or $165.00.  Insufficient or no cure was provided to the borrower. (0) $16.20 cure provided for recording fee charge of $212.00 vs. max allowed of $165.00.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.


Reviewer Comment (2018-01-11): Additional $30.80 cure for recording fee not provided.
     02/09/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202703092 [Redacted] [Redacted] 5164373 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI exceeds max of 45%; Lender exception approval with comp factors: Residual Income and length of property ownership. Borrower has owned the subject property for 6 years.

Borrower on this Full documentation loan has a disposable income of $2,919.21		 Reviewer Comment (2017-12-15): Lender Exception Approval provided.
       12/15/2017 2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202703093 [Redacted] [Redacted] 5171871 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202703093 [Redacted] [Redacted] 5172135 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-04): Received
 01/04/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202703093 [Redacted] [Redacted] 5189388 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $616.50 exceeds tolerance of $301.00 plus 10% or $331.10.  Sufficient or excess cure was provided to the borrower at Closing. (0)           12/19/2017   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202703094 [Redacted] [Redacted] 5158651 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NM Second Home Purchase   C A C A C A C A C A Non QM Non QM No C A
202703094 [Redacted] [Redacted] 5158820 [Redacted] [Redacted] Compliance Compliance Federal Compliance Missing Required Data Disparity in Occupancy The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence.  (Compliance testing performed based on the Occupancy Type of Second Home) Initial 1003, 1008 and Multi-Purpose disclosure indicate property as primary residence. Letter of explanation in file states borrower intends to eventually make the subject property the primary residence   Reviewer Comment (2018-01-09): Based on letter provided loan meets definition of second home, reviewed CHD-5457 and ran compliance as primary and loan passes all tests.. okay to clear
 01/09/2018       1 [Redacted] NM Second Home Purchase   C A C A C A C A C A Non QM Non QM No C A
202703094 [Redacted] [Redacted] 5158828 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Rec'd xx/xx/xxxx.
 01/11/2018       1 [Redacted] NM Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202703094 [Redacted] [Redacted] 5189490 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $22,524.14 while post-closing CD seller's fees total $22,799.14.   Reviewer Comment (2018-01-11): Corrected PC CD rec'd.
 01/11/2018       1 [Redacted] NM Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202703094 [Redacted] [Redacted] 5189492 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. File does not contain a signed Final CD; system is testing on Initial CD. Post Closing CD dated xx/xx/xxxx is correct.   Reviewer Comment (2017-12-19): PC CD in file dated xx/xx/xxxx is correct.
 12/19/2017       1 [Redacted] NM Second Home Purchase   B A B A B A B A B A Non QM Non QM No C A
202703094 [Redacted] [Redacted] 5189493 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) File does not contain a signed Final CD; system is testing on Initial CD. Post Closing CD dated xx/xx/xxxx reflects the correct closing date of xx/xx/xxxx.   Reviewer Comment (2017-12-19): PC CD in file dated xx/xx/xxxx is correct.
 12/19/2017       1 [Redacted] NM Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202703094 [Redacted] [Redacted] 5189494 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) All CD's in file are missing the Broker Contact name.   Reviewer Comment (2018-01-11): Corrected PC CD rec'd.
 01/11/2018       1 [Redacted] NM Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C A
202703094 [Redacted] [Redacted] 5189495 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/331412) File does not contain a signed Final CD; system is testing on Initial CD. Post Closing CD dated xx/xx/xxxx is correct.   Reviewer Comment (2017-12-19): PC CD in file dated xx/xx/xxxx is correct.
 12/19/2017       1 [Redacted] NM Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C A
202703094 [Redacted] [Redacted] 5189496 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/331412) File does not contain a signed Final CD; system is testing on Initial CD. Post Closing CD dated xx/xx/xxxx is correct.   Reviewer Comment (2017-12-19): PC CD in file dated xx/xx/xxxx is correct.
 12/19/2017       1 [Redacted] NM Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C A
202703094 [Redacted] [Redacted] 5189499 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Security Instrument Error: Security Instrument Maturity Date  was not provided   Missing pages 2 and 6 of Security Instrument.   Reviewer Comment (2018-01-11): Rec'd all pages of Mortgage xx/xx/xxxx.
 01/11/2018       1 [Redacted] NM Second Home Purchase   C A C A C A C A C A Non QM Non QM No C A
202728309 [Redacted] [Redacted] 5228084 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $51,025.00 while CD seller's fees total $55,245.42.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes B B
202728310 [Redacted] [Redacted] 5212709 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-25): Rec'd flood cert.
 01/25/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202728310 [Redacted] [Redacted] 5213221 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2018-01-25): Rec'd disclosure
 01/25/2018       1 [Redacted] GA Primary Refinance - Rate/Term   B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202728310 [Redacted] [Redacted] 5213224 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2018-01-24): Received Amended Data Tape Changing Loan Designation
 01/24/2018       1 [Redacted] GA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202728310 [Redacted] [Redacted] 5213226 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-25): Rec'd e-consent
 01/25/2018       1 [Redacted] GA Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202728310 [Redacted] [Redacted] 5213227 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for homeowner's insurance under Prepaids. (Final/xx/xx/xxxx) Section F Line 1 has zero entered, should 12 (months).   Reviewer Comment (2018-01-25): Rec'd LOE, corrected CD and evidence of emailing.
     01/25/2018   2 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202728310 [Redacted] [Redacted] 5213251 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 210. Assets: Reserve requirements not met. Compensating Factors: 1) Credit History. 2) Residual Reserves. 3) Stable Employment History. Borrower on this Full documentation loan has a disposable income of $8,328.31

Borrower has job stability for 8 years as an xxx.		 Reviewer Comment (2017-12-26): Compensating Factors: 1) Credit History. 2) Residual Reserves. 3) Stable Employment History.
       12/26/2017 2 [Redacted] GA Primary Refinance - Rate/Term   C B C B C B C B C B Higher Priced QM Safe Harbor QM No C B
202728310 [Redacted] [Redacted] 5224105 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   Missing Closing Disclosure dated xx/xx/xxxx.   Reviewer Comment (2018-01-25): Rec'd xx/xx/xxxx CD
 01/25/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202728310 [Redacted] [Redacted] 5398707 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.               2 [Redacted] GA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202728312 [Redacted] [Redacted] 5211718 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI exceeds guideline max of 45%.  Credit Risk Summary & Exception approval (pg.299) approved DTI with the following compensating factors: Residual Income exceeds minimum required and LTV is below maximum permitted by program guidelines Borrower on this Full documentation loan has a disposable income of $8,464.92

72.3% LTV < 75% guideline max		 Reviewer Comment (2017-12-27): Lender exception approval provided.
       12/27/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202728312 [Redacted] [Redacted] 5211723 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Housing Ratio of 43.2% exceeds guideline max of 40%; no Lender exception approval provided. Borrower on this Full documentation loan has a disposable income of $8,464.92

72.3% LTV < 75% guideline max		 Reviewer Comment (2018-01-04): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed - calculated investor qualifying housing ratio of 43.1231% exceeds Guideline housing ratio of 40%. Compensating Factors: 1) LTV. 2) Residual Income.
       01/04/2018 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202728312 [Redacted] [Redacted] 5211726 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202728312 [Redacted] [Redacted] 5211748 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing VVOE within 10 days of closing for Co-borrower; no VOE in file. Borrower on this Full documentation loan has a disposable income of $8,464.92 Reviewer Comment (2018-01-10): Borrower still employed per VVOE done post closing
       01/10/2018 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202728312 [Redacted] [Redacted] 5212210 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-04): Received
 01/04/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728314 [Redacted] [Redacted] 5218336 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-25): rec'd flood cert
 01/25/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728314 [Redacted] [Redacted] 5219313 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Missing signed settlement statement and verification of receipt of funds for sale of property at xxxxx. Borrower has job stability for 15 years in xxx.

739 > 720 minimum credit score required		 Reviewer Comment (2018-02-07): Received Credit Risk Summary & Exception Approval. Assets: Calculated PITIA months reserves of 5.72 is less than Guideline PITIA months reserves of 6.00.


Reviewer Comment (2018-01-29): Still short reserves


Reviewer Comment (2018-01-25): Rec'd copy of settlement statement, missing evidence funds were deposited in borrower's account.
       02/07/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728314 [Redacted] [Redacted] 5219319 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing signed settlement statement and verification of receipt of funds for sale of property at xxxxx.   Reviewer Comment (2018-02-07): Received wire info showing $57,061.87


Reviewer Comment (2018-01-25): Rec'd copy of settlement statement, missing evidence funds were deposited in borrower's account.
 02/07/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728314 [Redacted] [Redacted] 5219326 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing signed settlement statement and verification of receipt of funds for sale of property at xxxxx. Borrower has job stability for 15 years in xxx.

739 > 720 minimum credit score required		 Reviewer Comment (2018-02-26): Received Credit Risk Summary & Exception approval xx/xx/xxxx waiving Proof of liquidation of Ameritrade Stocks for Cash to close


Reviewer Comment (2018-02-15): Nothing provided for short funds to close, only exception approval for reserves


Reviewer Comment (2018-02-07): Still short funds to close


Reviewer Comment (2018-01-29): still short funds


Reviewer Comment (2018-01-29): Received HUD for sale, still short funds.


Reviewer Comment (2018-01-25): Rec'd settlement statement, missing evidence funds were deposited in borrower's account.
       02/26/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728314 [Redacted] [Redacted] 5219327 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728314 [Redacted] [Redacted] 5219514 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-25): rec'd e-consent
 01/25/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728315 [Redacted] [Redacted] 5233086 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > 45% guideline max.  Credit Risk Summary & Exception approval (pg.381) reflects DTI exception granted with compensating factors: Excess residual income and stable employment history of 4 years for each borrower. Borrower on this Full documentation loan has a disposable income of $7,876.16 > $1,500.00 guideline minimum.

Borrowers each have job stability for 4+ years with same employer.		 Reviewer Comment (2017-12-29): Lender Exception approval provided.
       12/29/2017 2 [Redacted] AZ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728315 [Redacted] [Redacted] 5233109 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728315 [Redacted] [Redacted] 5233241 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-08): Received
 01/08/2018       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728316 [Redacted] [Redacted] 5217026 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728316 [Redacted] [Redacted] 5218738 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): rec'd e-consent
 01/19/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728316 [Redacted] [Redacted] 5230688 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 298. DTI > maximum allowed. Compensating Factors: 1) DTI. 2) Reserves. 3) Residual Income. 68.9 months reserves > 6 months guideline minimum - borrowers have verified reserves of $298,809.83

$7,536.09 Residual income on a Bank Statement documentation loan		 Reviewer Comment (2017-12-27): Compensating Factors: 1) DTI. 2) Reserves. 3) Residual Income.
       12/27/2017 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728316 [Redacted] [Redacted] 5231036 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $200 difference   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202728317 [Redacted] [Redacted] 5202341 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-04): Received
 01/04/2018       1 [Redacted] AL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728317 [Redacted] [Redacted] 5202342 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Mortgage Broker Contact name was left blank.   Reviewer Comment (2018-01-04): Rec'd LOE, corrected CD and evidence of emailing.
     01/04/2018   2 [Redacted] AL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202728317 [Redacted] [Redacted] 5202345 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $751.00 while CD seller's fees total $1,296.10   Reviewer Comment (2018-01-04): Rec'd LOE, corrected CD and evidence of emailing.
     01/04/2018   2 [Redacted] AL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728317 [Redacted] [Redacted] 5202383 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728320 [Redacted] [Redacted] 5223800 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/24/2018       1 [Redacted] SC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728320 [Redacted] [Redacted] 5241130 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Credit Risk Summary & Exception Approval form in file, page 297. Income Documentation missing - annuity docs. Compensating Factors: 1) LTV. 2) Reserves. 60% < 65% max

Reserves of 51.8 months is greater than the 3 months of reserves required. $85,020.94.		 Reviewer Comment (2017-12-29): Compensating Factors: 1) LTV. 2) Reserves.
       12/29/2017 2 [Redacted] SC Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728320 [Redacted] [Redacted] 5242539 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Nothing in file to show xxxxxxx were paid off as indicated on Final 1003. After providing proof of payoffs the DTI will be 46.23583%. 60% < 65% max

Reserves of 51.8 months is greater than the 3 months of reserves required. $85,020.94.		 Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx


Reviewer Comment (2018-01-23): payoffs on addendum to CD. waiting for exception approval for DTI
       01/24/2018 2 [Redacted] SC Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728320 [Redacted] [Redacted] 5242541 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728320 [Redacted] [Redacted] 5242552 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.61780% or Final Disclosure APR of 7.66700% is in excess of allowable threshold of APOR 3.88% + 1.5%, or 5.38000%.  Non-Compliant Higher Priced Mortgage Loan. DTI   Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/24/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728320 [Redacted] [Redacted] 5242553 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI   Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/24/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728320 [Redacted] [Redacted] 5242554 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/24/2018       1 [Redacted] SC Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202728320 [Redacted] [Redacted] 5242555 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/24/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728320 [Redacted] [Redacted] 5242556 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $11,301.26 > $10,900.00   Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] SC Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202728321 [Redacted] [Redacted] 5216787 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202728321 [Redacted] [Redacted] 5216914 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Mortgage notarized on xx/xx/xxxx   Reviewer Comment (2018-01-25): Rec'd LOE, corrected CD and evidence of emailing.
     01/25/2018   1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Higher Priced QM Safe Harbor QM Yes C B
202728321 [Redacted] [Redacted] 5216917 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $66,087.04 < $67,714.04   Reviewer Comment (2018-01-25): Seller fees were not corrected on the PC CD dated xx/xx/xxxx
         2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202728321 [Redacted] [Redacted] 5218141 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Credit Risk Summary & Exception Approval, pg 230. Front end ratio exceeds 35%. Compensating Factors: 1) Credit History. 2) DTI. 3) Payment shock. 4) Reserves. 5) Residual income. 6) Employment history. Borrower has job stability for 13 years as an xxx.

Borrower on this Full documentation loan has a disposable income of $8,712.14

26.3 months reserves > 6 months guideline minimum - borrowers have verified reserves of $144,523.75

39.267% < 43% maximum DTI.		 Reviewer Comment (2017-12-27): Compensating Factors: 1) Credit History. 2) DTI. 3) Payment shock. 4) Reserves. 5) Residual income. 6) Employment history.
       12/27/2017 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Higher Priced QM Safe Harbor QM No C B
202728321 [Redacted] [Redacted] 5231561 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing Final Settlement statement for sale of current residence, xxx. File only contains an Estimated statement that doesn't match proceeds wire.   Reviewer Comment (2018-01-30): Received
 01/30/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202728321 [Redacted] [Redacted] 5231741 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2018-01-24): Received Amended Data Tape Changing Loan Designation
 01/24/2018       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202728321 [Redacted] [Redacted] 5398760 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.               2 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202728322 [Redacted] [Redacted] 5218229 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NC Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202728322 [Redacted] [Redacted] 5218695 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.13870% or Final Disclosure APR of 8.17700% is in excess of allowable threshold of APOR 3.75% + 1.5%, or 5.25000%.  Compliant Rate Spread Home Loan.               2 [Redacted] NC Primary Refinance - Cash-out - Debt Consolidation   B B B B B B B B B B Non QM Non QM No C B
202728322 [Redacted] [Redacted] 5228412 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___.   18.19 months reserves > 3 months guideline minimum - borrowers have verified reserves of $38,294.66

$5,390.23 Residual income on a Full doc loan

66.666% < 70% maximum LTV		 Reviewer Comment (2018-01-04): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) LTV. 2) Reserves. 3) Residual Income.
       01/04/2018 2 [Redacted] NC Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202728322 [Redacted] [Redacted] 5228531 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.13870% or Final Disclosure APR of 8.17700% is in excess of allowable threshold of APOR 3.75% + 1.5%, or 5.25000%.  Non-Compliant Higher Priced Mortgage Loan. DTI   Reviewer Comment (2018-01-04): Received DTI exception approval.
 01/04/2018       1 [Redacted] NC Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202728322 [Redacted] [Redacted] 5228532 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI   Reviewer Comment (2018-01-04): Received DTI exception approval.
 01/04/2018       1 [Redacted] NC Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202728322 [Redacted] [Redacted] 5228533 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-01-04): Received DTI exception approval.
 01/04/2018       1 [Redacted] NC Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202728322 [Redacted] [Redacted] 5228534 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-01-04): Received DTI exception approval.
 01/04/2018       1 [Redacted] NC Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202728323 [Redacted] [Redacted] 5206758 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided   The Flood Certificate was not provided.   Reviewer Comment (2018-01-05): Received
 01/05/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728323 [Redacted] [Redacted] 5207095 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Guidelines require a minimum of 6 months in reserves. Asset documentation verified 5.88 months in reserves. 40.058% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $4,183.24		 Reviewer Comment (2018-01-05): Received Credit Risk Summary & Exception Approval. Reserve requirements not met. Compensating Factors: 1) DTI. 2) LTV. 3) Residual Income. 4) Stable Employment History.
       01/05/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728323 [Redacted] [Redacted] 5207201 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728323 [Redacted] [Redacted] 5207331 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-05): Received
 01/05/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728323 [Redacted] [Redacted] 5209052 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 5   Reviewer Comment (2018-01-05): Rec'd LOE, corrected CD and evidence of emailing.
     01/05/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728324 [Redacted] [Redacted] 5222868 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > 45% guideline max.  Credit Risk Summary & Exception approval reflects DTI exception granted with compensating factors: LTV below guideline max and low payment shock. Payment shock of 21.68% < 350% guideline max

75% LTV < 80% guideline max		 Reviewer Comment (2017-12-29): Lender Exception Approval provided.
       12/29/2017 2 [Redacted] NV Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728324 [Redacted] [Redacted] 5222878 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Provide evidence borrower's gave consent to receive electronic disclosures.   Reviewer Comment (2018-01-10): Received
 01/10/2018       1 [Redacted] NV Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728324 [Redacted] [Redacted] 5241749 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Seller CD for this transaction and property were not found in the loan file.   Reviewer Comment (2018-01-12): Received Sellers CD


Reviewer Comment (2018-01-10): Received Seller CD for a different transaction (xxxx).
 01/12/2018       1 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202728325 [Redacted] [Redacted] 5204065 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect South Carolina CHL Complaint Agency Disclosure Timing Test South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.     Reviewer Comment (2018-02-12): Rec'd disclosure dated within 3 business days of application.
 02/12/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728325 [Redacted] [Redacted] 5227060 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Missing Document: Flood Insurance Policy not provided       Reviewer Comment (2018-01-29): Received
 01/29/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728325 [Redacted] [Redacted] 5227572 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 4             2 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728326 [Redacted] [Redacted] 5219331 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202728326 [Redacted] [Redacted] 5219427 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for homeowner's insurance under Prepaids. (Final/xx/xx/xxxx) Final CD reflects 0 months for HOI prepaids.             2 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728327 [Redacted] [Redacted] 5212333 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728327 [Redacted] [Redacted] 5214280 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.77800% or Final Disclosure APR of 7.79100% is in excess of allowable threshold of APOR 3.88% + 2.5%, or 6.38000%.  Compliant Rate Spread Home Loan.               2 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202728327 [Redacted] [Redacted] 5214282 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $470.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           12/21/2017   1 [Redacted] NC Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202728327 [Redacted] [Redacted] 5214283 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $75.75 exceeds tolerance of $35.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)           12/21/2017   1 [Redacted] NC Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202728327 [Redacted] [Redacted] 5214381 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.77800% or Final Disclosure APR of 7.79100% is in excess of allowable threshold of APOR 3.88% + 2.5%, or 6.38000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx for Alternative income calculations used.
 01/24/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728327 [Redacted] [Redacted] 5217993 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Transfers from other business account (#xxxxx) excluded from Bank Statement income calculation.   Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx for Alternative income calculations used.
 01/24/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728327 [Redacted] [Redacted] 5218008 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx for Alternative income calculations used.
 01/24/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728327 [Redacted] [Redacted] 5218009 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx for Alternative income calculations used.
 01/24/2018       1 [Redacted] NC Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202728327 [Redacted] [Redacted] 5218010 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx for Alternative income calculations used.
 01/24/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728327 [Redacted] [Redacted] 5233696 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy.   Transfers from other business account (#xxxxx) excluded from Bank Statement income calculation. 31 mos reserves Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/24/2018 2 [Redacted] NC Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728329 [Redacted] [Redacted] 5212425 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CO Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728329 [Redacted] [Redacted] 5212593 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-23): Received
 01/23/2018       1 [Redacted] CO Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728329 [Redacted] [Redacted] 5212595 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202728329 [Redacted] [Redacted] 5212596 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $22,572.00 > $22,492.00   Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] CO Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202728329 [Redacted] [Redacted] 5212597 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.     Reviewer Comment (2018-01-29): Updated input
 01/29/2018       1 [Redacted] CO Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202728330 [Redacted] [Redacted] 5219556 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. OO/2nd Homes with Lender Paid Compensation Min loan amount $150K 33.555% DTI on this Full documentation loan < 45% guideline max

53.475% LTV < 60% guideline max

Borrower on this Full documentation loan has a disposable income of $4,309.21		 Reviewer Comment (2018-01-10): Received Credit Risk Summary & Exception Approval. Loan Amount Less than minimum allowed by program. Compensating Factors: 1) DTI. 2) LTV. 3) Residual Income.
       01/10/2018 2 [Redacted] TX Primary Refinance - Cash-out - Home Improvement   C B C B C B C B C B Non QM Non QM No C B
202728330 [Redacted] [Redacted] 5219565 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Home Improvement   C A C A C A C A C A Non QM Non QM No C B
202728330 [Redacted] [Redacted] 5219649 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-01-11): Rec'd document signed by Lender xx/xx/xxxx.
 01/11/2018       1 [Redacted] TX Primary Refinance - Cash-out - Home Improvement To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202728330 [Redacted] [Redacted] 5219650 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Points and Fees Exceeds 3% of Original Principal Balance) Texas Constitution Section 50(a)(6): Points and fees on subject loan of 4.00000% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount.  Points and Fees total $4,000.00 on an Original Principal Loan Amount of $xxx vs. an allowable total of $3,000.00 (an overage of $1,000.00 or 1.00000%.)     Reviewer Comment (2018-03-06): Updated undiscounted rate.


Buyer Comment (2018-03-06): xxxxxx, please review the attached snapshots - one for the undiscounted rate and one with the discounted rate. In the first snapshot the undiscounted rate is populating in the Net Buy Rate not the undiscounted rate field.


Buyer Comment (2018-02-22): Please review the attached explanation from our Compliance Officer


Reviewer Comment (2018-02-21): The documentation provided does not clear the loan, it is showing the base rate (start rate) same as note rate - no evidence the rate was bought down, therefore discount points are not bonafide.


Buyer Comment (2018-02-13): Please review attached and advise acceptability. Thank you.


Reviewer Comment (2018-01-12): Sent for Compliance review


Buyer Comment (2018-01-09): You are including discount points in the calculation for high cost in TX but those should not be included as they are considered "bona fide" via state law because they are being used to reduce the rate
 03/06/2018       1 [Redacted] TX Primary Refinance - Cash-out - Home Improvement Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) C A C A C A C A C A Non QM Non QM Yes C B
202728330 [Redacted] [Redacted] 5219655 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 4   Reviewer Comment (2018-01-11): Corrected PC CD rec'd xx/xx/xxxx.
 01/11/2018       1 [Redacted] TX Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202728331 [Redacted] [Redacted] 5212165 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] LA Investment Purchase   C A C A C A C A C A N/A N/A No C A
202728332 [Redacted] [Redacted] 5236426 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx) ESign consent agreement does not reflect the actual consent date.  Used date from anti-steering disclosure tracking form (only document with a consent date) ; unable to determine initial esign consent date.   Reviewer Comment (2018-01-19): Received eDisclosure Agreement dated xx/xx/xxxx
 01/19/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202728332 [Redacted] [Redacted] 5236435 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202728333 [Redacted] [Redacted] 5221853 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-10): Received
 01/10/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202728333 [Redacted] [Redacted] 5222362 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202728333 [Redacted] [Redacted] 5222441 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2018-01-05): Received Amended Data Tape
 01/05/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202728333 [Redacted] [Redacted] 5222443 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-10): Received
 01/10/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202728333 [Redacted] [Redacted] 5222444 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.799%             2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202728333 [Redacted] [Redacted] 5244031 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Credit Risk Summary & Exception Approval in file, page 220. DTI: Housing Ratio exceeds program guidelines. Compensating Factors: 1) Credit Score. 2) Credit History. 3) LTV. 4) Reserves. 5) Residual Income. 6) Stable Employment History. 803 representative FICO score > 680 guideline minimum

49.243% CLTV < 75% guideline max

86 months reserves > 6 months guideline minimum - borrowers have verified reserves of $443,673.11

Residual Income $7,717.08

Borrower has employment stability for 20 years in the xxx		 Reviewer Comment (2017-12-29): Compensating Factors: 1) Credit Score. 2) Credit History. 3) LTV. 4) Reserves. 5) Residual Income. 6) Stable Employment History.
       12/29/2017 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Higher Priced QM Safe Harbor QM No C B
202728333 [Redacted] [Redacted] 5244168 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) Box not checked off: you declined it OR your lender does not offer one   Reviewer Comment (2018-01-10): Rec'd LOE, corrected CD and evidence of emailing.
     01/10/2018   2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Higher Priced QM Safe Harbor QM Yes C B
202728333 [Redacted] [Redacted] 5276253 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.               2 [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202728334 [Redacted] [Redacted] 5220585 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided   The Flood Certificate was not provided.   Reviewer Comment (2018-01-11): Rec'd document xxx.
 01/11/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728334 [Redacted] [Redacted] 5221674 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728334 [Redacted] [Redacted] 5221753 [Redacted] [Redacted] Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.               2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202728334 [Redacted] [Redacted] 5221763 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. (Final/xx/xx/xxxx) $210,500.39 < $210,632.39   Reviewer Comment (2018-01-11): Corrected PC CD rec'd xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202728334 [Redacted] [Redacted] 5221765 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-11): Corrected PC CD rec'd xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202728334 [Redacted] [Redacted] 5222529 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $575.00 exceeds tolerance of $545.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           12/22/2017   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202728334 [Redacted] [Redacted] 5247811 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Credit Risk Summary & Exception Approval in file, page 195. Credit - no rent history. Compensating Factors: 1) Credit History. 2) DTI (front ratio). 3) LTV. 4) Reserves. 5) Residual Income. 27.288% housing ratio < 45% max

70.00% LTV < 80.00% guideline max

29.6 months reserves > 6 months guideline minimum - borrowers have verified reserves of $185,305.56

Borrower on this Full documentation loan has a disposable income of $11,489.85		 Reviewer Comment (2018-01-01): Compensating Factors: 1) Credit History. 2) DTI (front ratio). 3) LTV. 4) Reserves. 5) Residual Income.
       01/01/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728334 [Redacted] [Redacted] 5247836 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $76,903.70 > $62,871.00   Reviewer Comment (2018-01-11): Corrected PC CD rec'd xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM Yes C B
202728335 [Redacted] [Redacted] 5219809 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-10): Received
 01/10/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728335 [Redacted] [Redacted] 5219813 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $17,864.94 < $17,899.94   Reviewer Comment (2018-01-10): Rec'd LOE, corrected CD and evidence of emailing.
     01/10/2018   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728335 [Redacted] [Redacted] 5220234 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728335 [Redacted] [Redacted] 5240044 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. City name on Appraisal doesn't match City name on Note.             2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202728335 [Redacted] [Redacted] 5240045 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $825.00 exceeds tolerance of $565.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           12/28/2017   1 [Redacted] TX Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202728336 [Redacted] [Redacted] 5223963 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728336 [Redacted] [Redacted] 5224129 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index shown on Rate Lock is 1.808%             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728336 [Redacted] [Redacted] 5224130 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728336 [Redacted] [Redacted] 5224132 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Transfer.  Fee Amount of $90.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77122)     Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202728336 [Redacted] [Redacted] 5224133 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $275.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7723)     Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202728336 [Redacted] [Redacted] 5246220 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Estoppel Fee, HOA dues, HOA Transfer and Water/Sewer/Municipal Fees shown in Section C should be in Section H.   Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202728336 [Redacted] [Redacted] 5246653 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] FL Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202728337 [Redacted] [Redacted] 5220149 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-09): Received
 01/09/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Non QM No C B
202728337 [Redacted] [Redacted] 5221630 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM.     Reviewer Comment (2018-01-09): Received Amended Data Tape changing to Non-QM
 01/09/2018       1 [Redacted] FL Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Non QM Yes C B
202728337 [Redacted] [Redacted] 5221632 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-09): Received
 01/09/2018       1 [Redacted] FL Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Higher Priced QM Non QM No C B
202728337 [Redacted] [Redacted] 5221657 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Non QM No C B
202728337 [Redacted] [Redacted] 5239248 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Verification of the existence of the business required within ten (10) calendar days prior to the note date by both:
• A third party, such as a CPA, regulatory agency, or the applicable licensing bureau, if possible (IN FILE); and
• A phone listing and address verified for the borrower's business using a telephone book, the internet, or directory assistance (STILL NEED).		   Reviewer Comment (2018-01-30): Received internet search dated xx/xx/xxxx.


Reviewer Comment (2018-01-09): Do not need for W2 income employment. Need for self-employment: xxxxxx
 01/30/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Non QM No C B
202728337 [Redacted] [Redacted] 5239262 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation - YTD P&L Qualified Mortgage (Dodd-Frank 2014): YTD P&L is dated before the quarter prior to creditor application date.  YTD Date xxxxx, Creditor Application Date = xxxx (xxxx). (xxxxxx xxxxxx   Reviewer Comment (2018-01-09): Received Amended Data Tape changing to Non-QM
 01/09/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Non QM No C B
202728337 [Redacted] [Redacted] 5239263 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). Still need: • A phone listing and address verified for the borrower's business using a telephone book, the internet, or directory assistance.   Reviewer Comment (2018-01-09): Received Amended Data Tape changing to Non-QM
 01/09/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Non QM No C B
202728337 [Redacted] [Redacted] 5286978 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Check Restated Loan Designation Match - General Ability to Repay Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.               2 [Redacted] FL Primary Refinance - Rate/Term     B   B   B   B   B Higher Priced QM Non QM Yes C B
202728338 [Redacted] [Redacted] 5225426 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Verified reserves are less than 6 month guideline minimum.  Credit Risk Summary and Exception Approval reflects lender exception approval for reserves with comp factors of DTI and residual income.  There is a DTI exception on the loan, therefore, only remaining comp factor is residual income. Borrower on this Alternate - 12 month personal bank statement documentation loan has a disposable income of $17,834.22 > $3,000.00 guideline minimum

Borrower has employment stability for 15 years in the xxx.		 Reviewer Comment (2018-01-10): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Residual Income. 2) Stable Employment History.
       01/10/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728338 [Redacted] [Redacted] 5225494 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $33,089.70 while CD seller's fees total $36,186.55.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728338 [Redacted] [Redacted] 5225495 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $193.00 exceeds tolerance of $158.00 plus 10% or $173.80.  Sufficient or excess cure was provided to the borrower at Closing. (0)           12/26/2017   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202728338 [Redacted] [Redacted] 5246113 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI exceeds max of 45%; Unable to determine how Lender calculated income due to missing income worksheet.  Excluded deposits from refunds and transfers from savings account, as required by guidelines. Borrower on this Alternate - 12 month personal bank statement documentation loan has a disposable income of $17,834.22 > $3,000.00 guideline minimum

Borrower has employment stability for 15 years in the xxx.		 Reviewer Comment (2018-01-10): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Residual Income. 2) Stable Employment History.


Buyer Comment (2018-01-04): we do not back out deposits
       01/10/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728338 [Redacted] [Redacted] 5246126 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Lender's bank statement income worksheet was not provided.   Reviewer Comment (2018-01-10): Received
 01/10/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728338 [Redacted] [Redacted] 5246190 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.06770% or Final Disclosure APR of 7.07000% is in excess of allowable threshold of APOR 3.79% + 2.5%, or 6.29000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-01-10): Received Exception approval for DTI.
 01/10/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728338 [Redacted] [Redacted] 5246191 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > Guideline max.   Reviewer Comment (2018-01-10): Received Exception approval for DTI.
 01/10/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728338 [Redacted] [Redacted] 5246192 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > Guideline max.   Reviewer Comment (2018-01-10): Received Exception approval for DTI.
 01/10/2018       1 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202728338 [Redacted] [Redacted] 5246193 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > Guideline max.   Reviewer Comment (2018-01-10): Received Exception approval for DTI.
 01/10/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728339 [Redacted] [Redacted] 5201544 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-05): Received
 01/05/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202728339 [Redacted] [Redacted] 5202945 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202728339 [Redacted] [Redacted] 5203039 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Loan Designation is Higher Higher Priced QM.   Reviewer Comment (2018-01-05): Received updated Data Tape changing to SHQM
 01/05/2018       1 [Redacted] GA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202728339 [Redacted] [Redacted] 5220786 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   xxxxx payment plan does not meet minimum payments requirement; set up on xxxxx.  Credit Risk Summary & Exception approval (pg. 176) reflects approval with comp factors: DTI of 19.9%, Housing payment decreasing $700/mo, and $27,911.00 residual income. 19.83% DTI on this Full documentation loan < 43% guideline max - 23.17% below program guideline maximum

Borrower on this Full documentation loan has a disposable income of $27,964.46

Housing payment decreasing by $736.46/mo.		 Reviewer Comment (2017-12-22): Lender exception approval provided.
       12/22/2017 2 [Redacted] GA Primary Refinance - Rate/Term   C B C B C B C B C B Higher Priced QM Safe Harbor QM No C B
202728339 [Redacted] [Redacted] 5274334 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.               2 [Redacted] GA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202728340 [Redacted] [Redacted] 5226642 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728340 [Redacted] [Redacted] 5226893 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728340 [Redacted] [Redacted] 5226894 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Mortgage Broker Contact Name was left blank on Final Closing Disclosure.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202728340 [Redacted] [Redacted] 5226895 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $19,625.82 while CD seller's fees total $19,940.82.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728341 [Redacted] [Redacted] 5225377 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NJ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728341 [Redacted] [Redacted] 5225390 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-09): Received
 01/09/2018       1 [Redacted] NJ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728341 [Redacted] [Redacted] 5225391 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.732%, lowest Index in date range used - 1.80011%             2 [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728341 [Redacted] [Redacted] 5288806 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on 0xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/0xx/xx/xxxx) New exception upon receipt of eConsent dated xx/xx/xxxx.             2 [Redacted] NJ Primary Purchase No Defined Cure   B   B   B   B   B Non QM Non QM No C B
202728342 [Redacted] [Redacted] 5245804 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing evidence of receipt of $xxxxxx   Reviewer Comment (2018-01-30): Received proof of gift funds wired xx/xx/xxxx
 01/30/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728342 [Redacted] [Redacted] 5245807 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing evidence of receipt of $82,000 gift funds.   Reviewer Comment (2018-01-30): Received proof of gift funds wired xx/xx/xxxx
 01/30/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728342 [Redacted] [Redacted] 5245808 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728342 [Redacted] [Redacted] 5245815 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.843%             2 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728343 [Redacted] [Redacted] 5223265 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NV Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728343 [Redacted] [Redacted] 5223274 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-10): Received
 01/10/2018       1 [Redacted] NV Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728343 [Redacted] [Redacted] 5225456 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $15143.25 vs. $15121.50 on Seller CD.   Reviewer Comment (2018-01-10): Rec'd LOE, corrected CD and evidence of emailing.
     01/10/2018   2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728343 [Redacted] [Redacted] 5225457 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $160.00 exceeds tolerance of $80.00 plus 10% or $88.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)           12/26/2017   1 [Redacted] NV Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202728343 [Redacted] [Redacted] 5249442 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 4   Reviewer Comment (2018-01-10): Rec'd LOE, corrected CD and evidence of emailing.
     01/10/2018   2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728344 [Redacted] [Redacted] 5227838 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728344 [Redacted] [Redacted] 5228902 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ xxxxx W2's not provided; required by guidelines. 15.8 months reserves > 6 months guideline minimum - borrowers have verified reserves of $67,730.48

Borrower on this Full documentation loan has a disposable income of $25,659.94		 Reviewer Comment (2018-01-10): Received Credit Risk Summary & Exception Approval. Income Documentation missing. Compensating Factors: 1) LTV. 2) Reserves. 3) Residual Income.
       01/10/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728345 [Redacted] [Redacted] 5226431 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728345 [Redacted] [Redacted] 5227061 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $248.00 exceeds tolerance of $188.00 plus 10% or $206.80.  Sufficient or excess cure was provided to the borrower at Closing. (0)           12/26/2017   1 [Redacted] TX Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202728345 [Redacted] [Redacted] 5253786 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Occupancy discrepancy. Property occupancy of ___ does not match Guideline property occupancy of ___. Final 1003 VIII Declaration indicate that the Borrowers will not occupy the property "Do you intend to occupy the property as your primary residence? NO".   Reviewer Comment (2018-02-21): Received corrected and initialed 1003 for Occupancy
 02/21/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728345 [Redacted] [Redacted] 5254147 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-21): Received
 02/21/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728345 [Redacted] [Redacted] 5254148 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Seller CD for subject transaction not provided.   Reviewer Comment (2018-02-26): Received Seller CD
 02/26/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202728345 [Redacted] [Redacted] 5696731 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) New exception upon receipt of Seller's CD. $27,221.30 < $28,341.30.             2 [Redacted] TX Primary Purchase     B   B   B   B   B Non QM Non QM Yes C B
202728346 [Redacted] [Redacted] 5228583 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202728346 [Redacted] [Redacted] 5258799 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   Missing Evidence that the taxes and insurance are included for xxxxx   Reviewer Comment (2018-01-17): Received payment letter showing PITI
 01/17/2018       1 [Redacted] IL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202728347 [Redacted] [Redacted] 5231402 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: xx/xx/xxxx   Guideline variance approved by lender at time of origination. Reviewer Comment (2018-01-10): Exception approval based on 754 credit score, paid all mortgages on time since 2004, and 20 months reserves
       01/10/2018 2 [Redacted] CA Investment Purchase   C B C B C B C B C B N/A   No C B
202728347 [Redacted] [Redacted] 5260063 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline There are more than four loans for one of the borrowers, which exceeds guideline allowance.   Multiple property owned/financed that exceed guidelines. Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-03): Credit Risk Summary & Exception approval  p402
       01/03/2018 2 [Redacted] CA Investment Purchase   C B C B C B C B C B N/A   No C B
202728347 [Redacted] [Redacted] 5260341 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Ineligible property   Property has 2 parcels with 2 properties Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-03): Credit Risk Summary & Exception approval p402
       01/03/2018 2 [Redacted] CA Investment Purchase   C B C B C B C B C B N/A   No C B
202728348 [Redacted] [Redacted] 5225773 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $495.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           12/26/2017   1 [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202728348 [Redacted] [Redacted] 5226024 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-10): Received
 01/10/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728348 [Redacted] [Redacted] 5226700 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The Seller's Closing Disclosure seller paid fees are $5,323.89 and the Consumer's Final Closing Disclosure seller paid fees are $5,245.46.   Reviewer Comment (2018-01-10): Rec'd LOE, corrected CD and evidence of emailing.
     01/10/2018   2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202728348 [Redacted] [Redacted] 5256987 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.893%   Reviewer Comment (2018-01-05): cleared with compliance re-run
 01/05/2018       1 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202728348 [Redacted] [Redacted] 5256988 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 5   Reviewer Comment (2018-01-10): Rec'd LOE, corrected CD and evidence of emailing.
     01/10/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728349 [Redacted] [Redacted] 5223136 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] FL Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202728349 [Redacted] [Redacted] 5223141 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.810%             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202728349 [Redacted] [Redacted] 5247802 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Flood Certificate Error: Certificate Number was not provided.   Standard Flood Hazard Determination Form is illegible on the bottom, unable to determine if for Life of Loan and the Certificate Number.             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202728349 [Redacted] [Redacted] 5247805 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Net retirement withdrawal deposited into saving account. Borrower on this Full documentation loan has a disposable income of $9,761.45 Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Credit History. 2) Residual Income.
       01/17/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728351 [Redacted] [Redacted] 5223289 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728351 [Redacted] [Redacted] 5223300 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-10): Received
 01/10/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202728351 [Redacted] [Redacted] 5250279 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing evidence of receipt of xxxxxx) to either the Borrower or the Closing Agent.   Reviewer Comment (2018-01-10): Received wire confirmation.
 01/10/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728351 [Redacted] [Redacted] 5250292 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing evidence of receipt of xxxxx) to either the Borrower or the Closing Agent.   Reviewer Comment (2018-01-10): Received wire confirmation.
 01/10/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728351 [Redacted] [Redacted] 5250316 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $20,813.50 > $20,785.50   Reviewer Comment (2018-01-10): Rec'd LOE, corrected CD and evidence of emailing.
     01/10/2018   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202728352 [Redacted] [Redacted] 5230349 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202728352 [Redacted] [Redacted] 5254230 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Housing payment history verification not met.  Lender Exception approval provided (pg.307)-waiving requirement for VOR with comp factors: 733 FICO, credit history 0x30x36, 44.212% DTI, OT and Bonus income not used, 12 months reserves, $11,781.75 residual income, and B1 on same job since xxxx Borrower has job stability for 4.29 years as a xxx.

733 representative FICO score > 720 guideline minimum - 13 points above guideline minimum

Borrower on this Full documentation loan has a disposable income of $11,781.75 > $3,000.00 guideline minimum.

44.21237% DTI on this Full documentation loan < 50% guideline max - > 5% below program guideline maximum

13.62 months reserves > 6 months guideline minimum - borrowers have verified reserves of $69,950.35.

Credit payment history is 0x30 for 36 months.		 Reviewer Comment (2018-01-02): Lender Exception approval provided.
       01/02/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202728353 [Redacted] [Redacted] 5223080 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202728354 [Redacted] [Redacted] 5223041 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202728354 [Redacted] [Redacted] 5253189 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Missing third party verification of Borrower's business within 10 days of the Note (such as Internet search with date stamp).   Reviewer Comment (2018-01-29): Received


Reviewer Comment (2018-01-10): Received undated internet printout.
 01/29/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202728354 [Redacted] [Redacted] 5253201 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing documentation that Borrower received funds from sale of current home.   Reviewer Comment (2018-01-29): Received


Reviewer Comment (2018-01-11): Rec'd wire confirmation for funds to Title agency in the amount of $145,000.00; Still need signed copy of the Final HUD from the sale of the property.
 01/29/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202728354 [Redacted] [Redacted] 5253204 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing documentation that Borrower received funds from sale of current home.   Reviewer Comment (2018-01-29): Received


Reviewer Comment (2018-01-11): Rec'd wire confirmation for funds to Title agency in the amount of $145,000.00; Still need a signed copy of the Final HUD from the sale of the property.
 01/29/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202728355 [Redacted] [Redacted] 5223253 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No B B
202728355 [Redacted] [Redacted] 5223255 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.808%.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes B B
202728357 [Redacted] [Redacted] 5232683 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202728357 [Redacted] [Redacted] 5232795 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-10): Received
 01/10/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202728357 [Redacted] [Redacted] 5232798 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)           12/27/2017   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202790266 [Redacted] [Redacted] 5237256 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] UT Investment Purchase   C A C A C A C A C A N/A   No C B
202790266 [Redacted] [Redacted] 5276647 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline issue: Property type is not allowed per credit guidelines.   Condo Project Ineligible - Comp Factors LTV @ 60% Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-05): Credit Risk Summary & Exception approval p209
       01/05/2018 2 [Redacted] UT Investment Purchase   C B C B C B C B C B N/A   No C B
202790269 [Redacted] [Redacted] 5240557 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent form not in file   Reviewer Comment (2018-01-11): Rec'd E-Sign Consent Agreement on xx/xx/xxxx.
 01/11/2018       1 [Redacted] VA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790269 [Redacted] [Redacted] 5240569 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $16,852.00 while CD seller's fees total $16,425.00.   Reviewer Comment (2018-01-11): Corrected PC CD rec'd xx/xx/xxxx.
 01/11/2018       1 [Redacted] VA Primary Purchase   B A B A B A B A B A Non QM Non QM Yes C B
202790269 [Redacted] [Redacted] 5240777 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] VA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790269 [Redacted] [Redacted] 5278322 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Verified reserves are < 6 months guideline minimum for FTHB and Limited tradelines.  Credit Risk Summary and Exception Approval (pg. 179) provided with comp factors for short reserves.  Comp factors: Payment shock < 350% max, excess residual income, and LTV (not valid comp factor). Borrower on this Full documentation loan has a disposable income of $3,093.11

Housing payment shock of 119.22% < 350% guideline max.		 Reviewer Comment (2018-01-05): Lender Exception approval provided.
       01/05/2018 2 [Redacted] VA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790270 [Redacted] [Redacted] 5241193 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202790270 [Redacted] [Redacted] 5283947 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Missing Vvoe within 10 days of Closing from xxxxx   Reviewer Comment (2018-01-30): Received Vvoe dated xx/xx/xxxx


Reviewer Comment (2018-01-16): Employer name, start date and job title on Vvoe do not match the WVOE in file.
 01/30/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202790270 [Redacted] [Redacted] 5283956 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-16): Received
 01/16/2018       1 [Redacted] FL Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790270 [Redacted] [Redacted] 5283957 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202790272 [Redacted] [Redacted] 5244759 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202790272 [Redacted] [Redacted] 5250602 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Issue:  Insufficient tradelines per credit guidelines   1 trade lines < 3 minimum requirement per guidelines.   Reviewer Comment (2018-01-24): Received Credit Letters from xxxxxx
 01/24/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202790273 [Redacted] [Redacted] 5239617 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202790273 [Redacted] [Redacted] 5239856 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $675.00 exceeds tolerance of $565.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Cure of $110 was provided to borrower         12/28/2017   1 [Redacted] AZ Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202790273 [Redacted] [Redacted] 5239882 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Rec'd E-Sign Consent Agreement on xx/xx/xxxx
 01/11/2018       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202790273 [Redacted] [Redacted] 5239885 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Verification of Borrower's receipt of the Initial CD was not provided.   Reviewer Comment (2018-01-11): Rec'd verification of receipt of Initial CD.
 01/11/2018       1 [Redacted] AZ Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C A
202790273 [Redacted] [Redacted] 5281412 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing verification of HOA fees on departing residence; HOA fees disclosed on Initial and Final application.   Reviewer Comment (2018-01-11): Rec'd HOA verification on xx/xx/xxxx.
 01/11/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202790274 [Redacted] [Redacted] 5243406 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202790274 [Redacted] [Redacted] 5244892 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.               2 [Redacted] FL Investment Purchase   B B B B B B B B B B N/A N/A No C B
202790275 [Redacted] [Redacted] 5243568 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202790275 [Redacted] [Redacted] 5244757 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller's Closing Disclosure seller paid fees are $21,692.95 paid at closing and $309.00 paid before Closing and the Consumer's Final Closing Disclosure seller paid fees are $21,692.95 paid at closing.   Reviewer Comment (2018-01-11): Corrected PC CD rec'd xx/xx/xxxx.
 01/11/2018       1 [Redacted] AL Primary Purchase   B A B A B A B A B A Non QM Non QM Yes C A
202790276 [Redacted] [Redacted] 5239424 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790276 [Redacted] [Redacted] 5239485 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Document rec'd on xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790276 [Redacted] [Redacted] 5277862 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Private VOR provided, however, cancelled checks for verification of paymenta over last 12 months not provided.  Credit Risk Summary & Exception Approval (pg.200) provided with approval and comp factor: Stable employment history with 9 years on job. Borrower has job stability for 9 years as a xxx with xxx. Reviewer Comment (2018-01-05): Lender Exception approval provided.
       01/05/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790277 [Redacted] [Redacted] 5246167 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.   Payment shock of 46% is less than the guideline limit of 300%

Borrower has been self employed for over 20 years.		 Reviewer Comment (2018-01-02): Credit Risk Summary & Exception approval, pg 223. Reserve requirements not met, only 3 months of reserves verified. Compensating factors: 1) Employment history 2) Payment shock
       01/02/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790277 [Redacted] [Redacted] 5246173 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790277 [Redacted] [Redacted] 5246237 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-12): received
 01/12/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790277 [Redacted] [Redacted] 5246239 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD reported seller fees of $170.00 versus $95 reported on final CD.   Reviewer Comment (2018-01-12): Rec'd LOE, corrected CD and evidence of emailing.
     01/12/2018   2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202790279 [Redacted] [Redacted] 5244899 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202790279 [Redacted] [Redacted] 5244950 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Rec'd document on xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202790279 [Redacted] [Redacted] 5244952 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.     Reviewer Comment (2018-01-11): Rec'd document on xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202790280 [Redacted] [Redacted] 5250217 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790280 [Redacted] [Redacted] 5250289 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $35,162.56 while CD seller's fees total $34,962.56.             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202790280 [Redacted] [Redacted] 5250799 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-01): Received
 02/01/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790281 [Redacted] [Redacted] 5235019 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202790281 [Redacted] [Redacted] 5235141 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Loan Type TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Loan Type that does not match the actual loan type for the loan. (Final/xx/xx/xxxx) TRID Non-Compliant.  Final Closing Disclosure reflects loan type as Other-NON.   Reviewer Comment (2018-01-11): Corrected PC CD rec'd on xx/xx/xxxx.
 01/11/2018       1 [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202790281 [Redacted] [Redacted] 5235142 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Rec'd document on xx/xx/xxxx.
 01/11/2018       1 [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790281 [Redacted] [Redacted] 5276185 [Redacted] [Redacted] Property Valuation General Valuation Subject is a refinance and property is listed for sale.   Subject transaction is a Cash-Out Refinance and property was recently listed for sale on xx/xx/xxxx and taken off the market on xx/xx/xxxx; Lender Exception approval with comp factors was provided. Borrower on this Full documentation loan has a disposable income of $4,629.41 > $1500.00 guideline minimum.

Borrower has job stability for 9.75 years as an xxx.		 Reviewer Comment (2018-01-05): Lender Exception approval provided.
       01/05/2018 2 [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202790281 [Redacted] [Redacted] 5276322 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. LTV > 70% guideline max. Credit Risk Summary w/Exception approval (pg.167) and comp factors: excess residual income and stable employment history Borrower on this Full documentation loan has a disposable income of $4,629.41 > $1500.00 guideline minimum.

Borrower has job stability for 9.75 years as an xxx.		 Reviewer Comment (2018-01-05): Lender exception approval provided
       01/05/2018 2 [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202790282 [Redacted] [Redacted] 5246455 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790282 [Redacted] [Redacted] 5246548 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] TX Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202790282 [Redacted] [Redacted] 5246550 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Deposit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Deposit that does not match the Deposit from the Calculating Cash to Close table. (Final/xx/xx/xxxx) Deposit shown on incorrect line, so not being shown in Calculating Cash to Close section.             2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790282 [Redacted] [Redacted] 5246551 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.768%, used lowest index in date range (1.80956%)             2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790282 [Redacted] [Redacted] 5246554 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Lender credit of $150 provided on Final Closing Disclosure.         12/29/2017   1 [Redacted] TX Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202790282 [Redacted] [Redacted] 5246573 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD listed real estate broker commission as $19552.70 and borrower final Closing Disclosure listed as $19522.70             2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202790283 [Redacted] [Redacted] 5245041 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202790284 [Redacted] [Redacted] 5244900 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790284 [Redacted] [Redacted] 5244997 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.810%             2 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790284 [Redacted] [Redacted] 5244998 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790284 [Redacted] [Redacted] 5245001 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA dues.  Fee Amount of $246.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712)     Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] WI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202790284 [Redacted] [Redacted] 5245002 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Transfer.  Fee Amount of $500.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77121)     Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] WI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202790284 [Redacted] [Redacted] 5248667 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval, pg 192. DTI > maximum allowed. Compensating Factors: 1) Payment Shock 2) Reserves Total monthly payment shock is negative.

Reserves exceeds the guideline requirements of 3 months by 54 months.		 Reviewer Comment (2018-01-02): Lender approved exception.
       01/02/2018 2 [Redacted] WI Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790284 [Redacted] [Redacted] 5286134 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA dues and HOA Transfer shown in Section C should be in Section H.   Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] WI Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202790284 [Redacted] [Redacted] 5287621 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. OO/2nd Homes with Lender Paid Compensation Min loan amount $150K Total monthly payment shock is negative.

Reserves exceeds the guideline requirements of 3 months by 54 months.		 Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception Approval. Loan Amount Less than minimum allowed by program. Compensating Factors: 1) Payment Shock. 2) Reserves.
       01/24/2018 2 [Redacted] WI Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790284 [Redacted] [Redacted] 5287636 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-24): Received
 01/24/2018       1 [Redacted] WI Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790285 [Redacted] [Redacted] 5240395 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202790285 [Redacted] [Redacted] 5278254 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Document rec'd xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202790286 [Redacted] [Redacted] 5257665 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790286 [Redacted] [Redacted] 5257717 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval, pg 261. DTI > Maximum allowed. Compensating Factors: 1) Credit Score 2) Employment History Stable employment history, same job for 19 years.

FICO score of 804.		 Reviewer Comment (2018-01-03): Lender approved exception.
       01/03/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790286 [Redacted] [Redacted] 5258023 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.03420% or Final Disclosure APR of 6.03900% is in excess of allowable threshold of APOR 3.77% + 1.5%, or 5.27000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-13): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/13/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790286 [Redacted] [Redacted] 5258024 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2018-02-13): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/13/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790286 [Redacted] [Redacted] 5258032 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.     Reviewer Comment (2018-02-13): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/13/2018       1 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202790286 [Redacted] [Redacted] 5258033 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) Missing VVOE for xxxx, within 10 days of closing   Reviewer Comment (2018-02-13): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/13/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790286 [Redacted] [Redacted] 5258034 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) Missing VVOE xxxxx within 10 days of closing   Reviewer Comment (2018-02-13): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/13/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790286 [Redacted] [Redacted] 5258037 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.     Reviewer Comment (2018-02-13): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/13/2018       1 [Redacted] FL Primary Purchase   A A A A A A A A A A Non QM Non QM No C B
202790286 [Redacted] [Redacted] 5258041 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. E-sign Consent Agreement not provided.   Reviewer Comment (2018-01-24): Received
 01/24/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790286 [Redacted] [Redacted] 5258043 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Final CD did not provide broker contact information.   Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202790286 [Redacted] [Redacted] 5258044 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Seller CD not provided.   Reviewer Comment (2018-01-24): Received Sellers CD
 01/24/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202790286 [Redacted] [Redacted] 5259081 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx VVOE for B1 and B2 Stable employment history, same job for 19 years.

FICO score of 804.		 Reviewer Comment (2018-02-08): Rec'd VVOEs dated xx/xx/xxxx.  Exception provided for VVOEs for both borrowers outside 10 days of closing.  Ok to proceed.
       02/08/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790288 [Redacted] [Redacted] 5250764 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790288 [Redacted] [Redacted] 5250889 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790288 [Redacted] [Redacted] 5289935 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Minimum score for 90% LTV is 680. $16,646.88 Residual Income on a Full doc loan Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception Approval. Credit Score < program requirements. Compensating Factors: 1) Payment Shock. 2) Residual Income.
       01/17/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790288 [Redacted] [Redacted] 5290290 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Rec'd PC CD dated xx/xx/xxxx reflecting $24,567 whereas the seller's CD reflects $30,682.83.
         2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202790289 [Redacted] [Redacted] 5239268 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TN Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202790289 [Redacted] [Redacted] 5241957 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2018-01-11): Documents rec'd on xx/xx/xxxx.
 01/11/2018       1 [Redacted] TN Primary Refinance - Rate/Term   B A B A B A B A B A Non QM Non QM No C B
202790289 [Redacted] [Redacted] 5242432 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval, pg 197.  Reserve requirements not met. Compensating Factors: 1) Credit History 2) LTV Credit history has no late payments in the last 36 months.

LTV of 75% is less than the max available LTV of 80% under the program guidelines.		 Reviewer Comment (2017-12-29): Lender approved exception.
       12/29/2017 2 [Redacted] TN Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202790289 [Redacted] [Redacted] 5242435 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval, pg 197.  DTI > maximum allowed.. Compensating Factors: 1) Credit History 2) LTV Credit history has no late payments in the last 36 months.

LTV of 75% is less than the max available LTV of 80% under the program guidelines.		 Reviewer Comment (2017-12-29): Lender approved exception.
       12/29/2017 2 [Redacted] TN Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202790290 [Redacted] [Redacted] 5255821 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval, pg 332. DTI > Maximum allowed. Compensating Factors: 1) Payment Shock 2) Residual Income. Payment shock of only 24.9872%.

Residual income of $3265.88 exceeds guideline requirements of $1500.		 Reviewer Comment (2018-01-03): Lender approved exception.
       01/03/2018 2 [Redacted] VA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790290 [Redacted] [Redacted] 5288598 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Within 10 days of closing   Reviewer Comment (2018-01-17): Received


Buyer Comment (2018-01-12): revived closing package page 105 has this in original file


Buyer Comment (2018-01-12): Please note this doc should have been in original file please confirm it was not.
 01/17/2018       1 [Redacted] VA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790291 [Redacted] [Redacted] 5242288 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202790292 [Redacted] [Redacted] 5248924 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CO Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790292 [Redacted] [Redacted] 5249049 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202790292 [Redacted] [Redacted] 5250381 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Owner's policy fee amount is $1921.60 on Seller CD, $1927.50 on Borrower CD.   Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790293 [Redacted] [Redacted] 5250781 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2018-01-11): Document rec'd on xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202790293 [Redacted] [Redacted] 5250789 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Number of months was left blank on the Final CD.   Reviewer Comment (2018-01-11): Corrected PC CD rec'd on xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202790293 [Redacted] [Redacted] 5274074 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790293 [Redacted] [Redacted] 5274375 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $3,664.50 while CD seller's fees total $2,455.00.   Reviewer Comment (2018-01-11): Corrected PC CD rec'd on xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM Yes C B
202790293 [Redacted] [Redacted] 5304326 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Corrected PC CD was sent to Borrower electronically and E-sign consent agreement was not previously required or provided.             2 [Redacted] FL Primary Purchase No Defined Cure   B   B   B   B   B Non QM Non QM No C B
202790294 [Redacted] [Redacted] 5239471 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Reserves of 2.54 months < 6 months guideline minimum.  Credit Risk Summary and Exception Approval provided (pg.193) reflects Lender exception granted. Compensating factors: 1) Excess residual income > $3000 min  2) Stable employment history = 7 years on current job Borrower has job stability for 7 years as a self-employed xxx.

Borrower on this Alt-12 months personal bank statements documentation loan has a disposable income of $12,242.79 > $3,000.00 guideline minimum.		 Reviewer Comment (2018-01-08): Lender Exception approval provided.
       01/08/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790294 [Redacted] [Redacted] 5239490 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790294 [Redacted] [Redacted] 5239536 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] TX Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202790294 [Redacted] [Redacted] 5239566 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $57,387.81 while closing CD seller's fees total $74,685.44.             2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790294 [Redacted] [Redacted] 5282609 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Final Loan Approval and Final 1008 were not provided; The documents provided do not reflect the final loan terms; Note rate does not match signed Note in file.   Reviewer Comment (2018-01-17): Received revised documents
 01/17/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790295 [Redacted] [Redacted] 5241186 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Credit Risk Summary & Exception Approval in file, page 186. Housing Ratio > maximum allowed. Compensating Factors: 1) LTV. 2) Reserves. ((need proof of sale proceeds to waive)) Guideline variance approved by lender at time of origination.

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-01-29): Credit Risk Summary & Exception approval in file


Reviewer Comment (2018-01-26): Received proof of proceeds wire in the amount of $15,010.57,
Need $76,462.47 + $2,500.00 = $78,962.47 so short $8,947.07 and have zero reserves.


Reviewer Comment (2018-01-11): Documentation provided on xx/xx/xxxx is verification of the buyer's funds for the purchase of the home; this document does not verify the funds received by the seller (our borrower) on the sale of this property.  Please provide documentation of the funds received by the borrower , I.e. deposit into their checking account or funds wired to close for the amount due to the seller from the Final HUD.
       01/29/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790295 [Redacted] [Redacted] 5241216 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Document rec'd on xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790295 [Redacted] [Redacted] 5241217 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.799%, lowest index in date range used (1.80844%).   Reviewer Comment (2018-01-11): Corrected based on additional rate lock form provided dated xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202790295 [Redacted] [Redacted] 5241219 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $10,918.01 < $11,115.51   Reviewer Comment (2018-01-11): Corrected PC CD rec'd on xx/xx/xxxx.
 01/11/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202790295 [Redacted] [Redacted] 5241232 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790295 [Redacted] [Redacted] 5284311 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing documentation to show that Borrower received proceeds from sale of previous home (file only contains a copy of the Settlement statement).   Reviewer Comment (2018-01-29): Received Wire from Sellers Proceeds


Reviewer Comment (2018-01-26): Received proof of proceeds wire in the amount of $15,010.57,
Need $76,462.47 + $2,500.00 = $78,962.47 so short $8,947.07 and have zero reserves.


Reviewer Comment (2018-01-11): Documentation provided on xx/xx/xxxx is verification of the buyer's funds for the purchase of the home; this document does not verify the funds received by the seller (our borrower) on the sale of this property.  Please provide documentation of the funds received by the borrower , I.e. deposit into their checking account or funds wired to close for the amount due to the seller from the Final HUD.
 01/29/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790295 [Redacted] [Redacted] 5284312 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing documentation to show that Borrower received proceeds from sale of previous home (file only contains a copy of the Settlement statement).   Reviewer Comment (2018-01-29): Received Wire from Sellers Proceeds


Reviewer Comment (2018-01-26): Received proof of proceeds wire in the amount of $15,010.57,
Need $76,462.47 + $2,500.00 = $78,962.47 so short $8,947.07 and have zero reserves.


Reviewer Comment (2018-01-11): Documentation provided on xx/xx/xxxx is verification of the buyer's funds for the purchase of the home; this document does not verify the funds received by the seller (our borrower) on the sale of this property.  Please provide documentation of the funds received by the borrower , I.e. deposit into their checking account or funds wired to close for the amount due to the seller from the Final HUD.
 01/29/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790296 [Redacted] [Redacted] 5254168 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval, pg 210. Reserve requirements not met. Compensating Factors: 1) Payment Shock Payment shock of 116% is less than the guideline allowance of 200%. Reviewer Comment (2018-01-03): Lender approved exception.
       01/03/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790296 [Redacted] [Redacted] 5254173 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790296 [Redacted] [Redacted] 5288949 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-11): Document rec'd xx/xx/xxxx.
 01/11/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790297 [Redacted] [Redacted] 5259539 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 197. DTI > maximum allowed. Compensating Factors: 1) Credit Score. 2) Reserves. 38.2 months reserves > 6 months guideline minimum - borrowers have verified reserves of $90,215.31.

Credit score of 719 exceeds requirements of 700.		 Reviewer Comment (2018-01-10): Compensating Factors: 1) Credit Score. 2) Reserves.
       01/10/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790297 [Redacted] [Redacted] 5259542 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790297 [Redacted] [Redacted] 5259732 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790297 [Redacted] [Redacted] 5291223 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. Error appears to be due to Final CD having incorrect "Date Issued xx/xx/xxxx".   Reviewer Comment (2018-01-19): Rec'd attestation letter that CD with an issue date of xx/xx/xxxx is the final CD and should have been dated xx/xx/xxxx.  No violation.
 01/19/2018       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202790297 [Redacted] [Redacted] 5291224 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Error appears to be due to Final CD having incorrect "Date Issued xx/xx/xxxx".   Reviewer Comment (2018-01-19): Rec'd attestation letter that CD with an issue date of xx/xx/xxxx is the final CD and should have been dated xx/xx/xxxx.  The closing date is correct on the xx/xx/xxxx CD.
     01/19/2018   1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202790297 [Redacted] [Redacted] 5291225 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Error appears to be due to Final CD having incorrect "Date Issued xx/xx/xxxx".   Reviewer Comment (2018-01-19): Rec'd attestation letter that CD with an issue date of xx/xx/xxxx is the final CD and should have been dated xx/xx/xxxx.  The broker contact info is complete on the xx/xx/xxxx CD.
     01/19/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202790297 [Redacted] [Redacted] 5291226 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/340612) Error appears to be due to Final CD having incorrect "Date Issued xx/xx/xxxx".   Reviewer Comment (2018-01-19): Rec'd attestation letter that CD with an issue date of xx/xx/xxxx is the final CD and should have been dated xx/xx/xxxx.  The escrow payment is accurate on the xx/xx/xxxx CD.
     01/19/2018   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202790297 [Redacted] [Redacted] 5291227 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/340613) Error appears to be due to Final CD having incorrect "Date Issued xx/xx/xxxx".   Reviewer Comment (2018-01-19): Rec'd attestation letter that CD with an issue date of xx/xx/xxxx is the final CD and should have been dated xx/xx/xxxx.  The escrow payment is accurate on the xx/xx/xxxx CD.
     01/19/2018   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202790297 [Redacted] [Redacted] 5291228 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/340614) Error appears to be due to Final CD having incorrect "Date Issued xx/xx/xxxx".   Reviewer Comment (2018-01-19): Rec'd attestation letter that CD with an issue date of xx/xx/xxxx is the final CD and should have been dated xx/xx/xxxx.  The escrow payment is accurate on the xx/xx/xxxx CD.
     01/19/2018   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202790297 [Redacted] [Redacted] 5291230 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/340615) Error appears to be due to Final CD having incorrect "Date Issued xx/xx/xxxx".   Reviewer Comment (2018-01-19): Rec'd attestation letter that CD with an issue date of xx/xx/xxxx is the final CD and should have been dated xx/xx/xxxx.  The escrow payment is accurate on the xx/xx/xxxx CD.
     01/19/2018   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202790297 [Redacted] [Redacted] 5291231 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/340612) Error appears to be due to Final CD having incorrect "Date Issued xx/xx/xxxx".   Reviewer Comment (2018-01-19): Rec'd attestation letter that CD with an issue date of xx/xx/xxxx is the final CD and should have been dated xx/xx/xxxx.  The payment is accurate on the xx/xx/xxxx CD.
     01/19/2018   2 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202790297 [Redacted] [Redacted] 5291232 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xx/xx/xxxx) Error appears to be due to Final CD having incorrect "Date Issued xx/xx/xxxx".   Reviewer Comment (2018-01-19): Rec'd attestation letter that CD with an issue date of xx/xx/xxxx is the final CD and should have been dated xx/xx/xxxx.  Seller paid fees are accurate on the xx/xx/xxxx CD.
     01/19/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202790297 [Redacted] [Redacted] 5291233 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.848%.   Reviewer Comment (2018-01-19): Cleared with compliance re-run.
 01/19/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202790297 [Redacted] [Redacted] 5291234 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller Change - Adjustments TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether there was a change in the Adjustments and Other Credits. (Final/xx/xx/xxxx) Error appears to be due to Final CD having incorrect "Date Issued xx/xx/xxxx".   Reviewer Comment (2018-01-19): Rec'd attestation letter that CD with an issue date of xx/xx/xxxx is the final CD and should have been dated xx/xx/xxxx.  The xx/xx/xxxx CD is accurate.
     01/19/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790297 [Redacted] [Redacted] 5291235 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing vs Closing Disclosure TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (Initial/xx/xx/xxxx) Error appears to be due to Final CD having incorrect "Date Issued xx/xx/xxxx".   Reviewer Comment (2018-01-19): Rec'd attestation letter that CD with an issue date of xx/xx/xxxx is the final CD and should have been dated xx/xx/xxxx.  The xx/xx/xxxx CD is accurate.
 01/19/2018       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202790298 [Redacted] [Redacted] 5257322 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790298 [Redacted] [Redacted] 5258111 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-24): rec'd e-consent
 01/24/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790298 [Redacted] [Redacted] 5258112 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information, Mortgage Broker Contact field is blank   Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202790298 [Redacted] [Redacted] 5258113 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-24): cleared with compliance re-run
 01/24/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202790299 [Redacted] [Redacted] 5264450 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790299 [Redacted] [Redacted] 5264773 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. Initial Escrow Disclosure discloses $1,582.65 vs. $1,610.49 disclosed on Final Disclosure             2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202790299 [Redacted] [Redacted] 5264774 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker Contact field is blank   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202790299 [Redacted] [Redacted] 5264786 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 5 (# months) field is blank.   $662.28 City Taxes paid by Seller at closing disclosed.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790299 [Redacted] [Redacted] 5264787 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F , Line 4 (# months) field is blank.   $3,748.68 Property Taxes paid by Seller at closing disclosed.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790299 [Redacted] [Redacted] 5264794 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $24,930.00 in fees paid by Seller at closing disclosed on Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202790299 [Redacted] [Redacted] 5265046 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) The final CD overstated the Total Interest Percentage.   Reviewer Comment (2018-01-19): cleared with compliance re-run
 01/19/2018       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202790299 [Redacted] [Redacted] 5288643 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Credit Report Error: Missing source document for credit/housing history.   11 months cancelled rent checks < Residential pay history 0 x 30 x 12 and 1 x 30 x 24 under Portfolio Select Bank Statement program.   Borrower rents current residence 11 months.  Prior lived 3 months rent free and owned free and clear property (xxxxx)  1.5 years.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit history and Residual income. Residual income $13,846 per month Reviewer Comment (2018-01-19): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/19/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790299 [Redacted] [Redacted] 5288651 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing verification xxxxxprior owned residence sold verifying Borrower has not financial obligation in property.   Reviewer Comment (2018-01-19): Received Final HUD1 showing borrower paid cash for this property


Buyer Comment (2018-01-19): the cd that was uploaded indicates this was a cash transaction


Reviewer Comment (2018-01-19): Received taxes for above property and corrected p3 of 1003, missing evidence free/Clear
 01/19/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790300 [Redacted] [Redacted] 5261380 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-22): Received
 01/22/2018       1 [Redacted] NC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790300 [Redacted] [Redacted] 5261537 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower. Calculated Available for Closing of ___ is less than Cash From Borrower of  ___. $9,649.53 < $70,291.65   Reviewer Comment (2018-01-22): Received Final HUD1
 01/22/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790300 [Redacted] [Redacted] 5261538 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790300 [Redacted] [Redacted] 5262704 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.60920% or Final Disclosure APR of 6.61800% is in excess of allowable threshold of APOR 3.84% + 1.5%, or 5.34000%.  Compliant Rate Spread Home Loan.               2 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202790300 [Redacted] [Redacted] 5289082 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $640.00 exceeds tolerance of $638.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Closing Disclosure reflects $2.00 Lender credit for tolerance.         01/09/2018   1 [Redacted] NC Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202790300 [Redacted] [Redacted] 5289099 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing copy of final signed Closing Disclosure supporting $54,086.12 deposit into xxx #xxxx on xx/xx/xxxx is from sale of departing residence xxxxx

Evidence of the sale or redemption of the xxxx $17,689.73 for closing not documented under Portfolio Select.  Liquidation not required for reserves.		   Reviewer Comment (2018-01-22): Received
 01/22/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790301 [Redacted] [Redacted] 5263513 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790301 [Redacted] [Redacted] 5263689 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval, pg 305. DTI > maximum allowed. Compensating Factors: 1) LTV 2) Payment Shock 3) Residual Income 69.504% LTV < 90% guideline max -  $144,500.00 more equity than required by program guidelines

Guideline variance approved by lender at time of origination, residual income $7,447.32 > $2,000.00 required by program guidelines.

Guideline variance approved by lender at time of origination. Payment Shock 31.676% < 250% maximum permitted by program guidelines.		 Reviewer Comment (2018-01-04): Lender approved exception
       01/04/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790301 [Redacted] [Redacted] 5263827 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790301 [Redacted] [Redacted] 5263828 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $30,514.93 > $27,444.00   Reviewer Comment (2018-01-17): Rec'd LOE, corrected CD and evidence of emailing.
     01/17/2018   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202790303 [Redacted] [Redacted] 5261144 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Investment Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A N/A   No C B
202790303 [Redacted] [Redacted] 5261192 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: xx/xx/xxxx   Guideline variance approved by lender at time of origination. Reviewer Comment (2018-01-11): Exception approval for square footage based on reserves and LTV
       01/11/2018 2 [Redacted] CA Investment Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B N/A   No C B
202790306 [Redacted] [Redacted] 5259594 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CO Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790306 [Redacted] [Redacted] 5259849 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790306 [Redacted] [Redacted] 5259851 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Capital Contribution.  Fee Amount of $40.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712)     Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202790306 [Redacted] [Redacted] 5259852 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Dues.  Fee Amount of $129.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77121)     Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202790306 [Redacted] [Redacted] 5262041 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Appraisal zip code of xxxxx is correct. The Note and Mortgage have the wrong zip code.             2 [Redacted] CO Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202790306 [Redacted] [Redacted] 5295496 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA Capital Contribution and HOA dues shown in Section C should be in Section H.   Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.
     01/24/2018   2 [Redacted] CO Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202790306 [Redacted] [Redacted] 5296302 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Four $2,500 unverified deposits into #xxxxx deducted from account balance. Residual income $28,500 Reviewer Comment (2018-01-22): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/22/2018 2 [Redacted] CO Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202790306 [Redacted] [Redacted] 5296357 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-22): Received
 01/22/2018       1 [Redacted] CO Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790306 [Redacted] [Redacted] 5296358 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $17,496.50 < $17,611.50   Reviewer Comment (2018-01-24): Rec'd LOE, corrected CD and evidence of emailing.


Buyer Comment (2018-01-22): Seller CD reflected negative fees.  Negative fees are not permitted on buyers CD.  Please subtract the difference to get the correct amount of seller paid fees.
     01/24/2018   2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790307 [Redacted] [Redacted] 5257857 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] AZ Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202790307 [Redacted] [Redacted] 5258204 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] AZ Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790307 [Redacted] [Redacted] 5258205 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-17): Rec'd LOE, corrected CD and evidence of emailing.
     01/17/2018   2 [Redacted] AZ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202790308 [Redacted] [Redacted] 5262385 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790308 [Redacted] [Redacted] 5262531 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-26): Received
 01/26/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790308 [Redacted] [Redacted] 5262553 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790308 [Redacted] [Redacted] 5298720 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202790308 [Redacted] [Redacted] 5298721 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx)               2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202790309 [Redacted] [Redacted] 5263347 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202790309 [Redacted] [Redacted] 5263610 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202790309 [Redacted] [Redacted] 5264194 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $510.00 exceeds tolerance of $470.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           01/04/2018   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202790309 [Redacted] [Redacted] 5298962 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 256. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income. 30.03% DTI on this Full documentation loan < 45% guideline max

$16,066.84 Residual income on a Full doc loan		 Reviewer Comment (2018-01-11): Compensating Factors: 1) DTI. 2) Residual Income.
       01/11/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791536 [Redacted] [Redacted] 5265473 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - ARM not provided       Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791536 [Redacted] [Redacted] 5265591 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791536 [Redacted] [Redacted] 5265593 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact field is blank   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202791536 [Redacted] [Redacted] 5265939 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 45.21% > 45% Portfolio Select program.  Lender's 45.2% > 45%.  Exception not acknowledged by Lender. Borrower has been in same line of work 10 years Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/17/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791536 [Redacted] [Redacted] 5265950 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791536 [Redacted] [Redacted] 5265998 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.91200% or Final Disclosure APR of 6.96300% is in excess of allowable threshold of APOR 3.84% + 1.5%, or 5.34000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/17/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791536 [Redacted] [Redacted] 5265999 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. Reserves < minimum.  DTI > maximum.  Loan amount < minimum.   Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/17/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791536 [Redacted] [Redacted] 5266000 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum.  Loan amount < minimum.   Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/17/2018       1 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202791536 [Redacted] [Redacted] 5266001 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum.  Loan amount < minimum.   Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 01/17/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791536 [Redacted] [Redacted] 5268652 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 1.54 months < 6 months ($7,125.06) PITI reserves Portfolio Select..  Lender's 2 months calculation  < 6 months.  Lender's Risk Summary & Exception Approval in file.  Compensating factors:Payment shock Guideline variance approved by lender at time of origination. Reviewer Comment (2018-01-12): Credit Risk Summary & Exception approval p2 u/s
       01/12/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791536 [Redacted] [Redacted] 5304013 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $1,154.30 Transfer Taxes and $164.01 Property Taxes paid by Seller at closing per Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202791536 [Redacted] [Redacted] 5304031 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. $xxx < $xxx required for Owner Occupied Homes with Lender Paid Compensation under Portfolio Select program.  Per final Closing Disclosure, $xxx Broker Compensation paid to Broker by Lender.   Exception not acknowledged by Lender. Borrower has been in same line of work 10 years Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/17/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791537 [Redacted] [Redacted] 5269322 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791537 [Redacted] [Redacted] 5269377 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791537 [Redacted] [Redacted] 5269378 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $125,000.00 Pay off paid by Seller at closing per Seller's CD not disclosed on Consumer's CD             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202791537 [Redacted] [Redacted] 5295910 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Borrower has greater than 1x30 mortgage late and not allowable per  guidelines.   2 x 30 1 x 60 > 1 x 30 mortgage history within recent 12 months under Portfolio Select program.   xxxxx, secured by xxxxxx property, eports  309 days late payments xxxxxx and 60 day late payment xxxxx.  Exception not acknowledged by Lender. Borrower on this Full documentation loan has a disposable income of $9100

17months reserves		 Reviewer Comment (2018-01-19): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/19/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791537 [Redacted] [Redacted] 5296352 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing two (2) current pay stubs covering a 30-day period issued to Borrower Borrower on this Full documentation loan has a disposable income of $9100

17months reserves		 Reviewer Comment (2018-01-19): Received Credit Risk Summary & Exception approval  xx/xx/xxxx
       01/19/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5276670 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing VOR (cancelled rent checks) verifying current housing history xxxxxxxx  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit history and Residual income Credit history: All accounts paid as agreed.

Residual income of $19,163 exceeds required residual income of $3,000		 Reviewer Comment (2018-01-08): Lender approved exception.
       01/08/2018 2 [Redacted] AZ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5278081 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5278212 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.     Reviewer Comment (2018-02-01): Corrected Initial App Date
 02/01/2018       1 [Redacted] AZ Primary Purchase Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202791538 [Redacted] [Redacted] 5278213 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. xxxxxxxxxxx             2 [Redacted] AZ Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5278214 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.33150% or Final Disclosure APR of 6.44400% is in excess of allowable threshold of APOR 3.90% + 1.5%, or 5.40000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-01): Corrected Initial App Date
 02/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5278217 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date plus 3)   Reviewer Comment (2018-02-01): Corrected Initial App Date
 02/01/2018       1 [Redacted] AZ Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5278218 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Appraisal Disclosure - HPML Timing HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date plus 3)   Reviewer Comment (2018-02-01): Corrected Initial App Date
 02/01/2018       1 [Redacted] AZ Primary Purchase Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202791538 [Redacted] [Redacted] 5278219 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-05): ESign Consent agreement provided - TD xx/xx/xxxx
 02/05/2018       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5278220 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Closing Disclosure did not provide Loan Originator name.   Reviewer Comment (2018-02-05): Corrected PC CD provided xx/xx/xxxx.
 02/05/2018       1 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C B
202791538 [Redacted] [Redacted] 5278224 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791538 [Redacted] [Redacted] 5278225 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date plus 3)   Reviewer Comment (2018-02-01): Corrected Initial App Date
 02/01/2018       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5278226 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xx/xx/xxxx)     Reviewer Comment (2018-02-01): Corrected Initial App Date
 02/01/2018       1 [Redacted] AZ Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5278228 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $400.00 HOA - Transfer/Disclosure fee paid by Seller at closing disclosed on Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2018-02-05): Corrected PC CD provided xx/xx/xxxx.
 02/05/2018       1 [Redacted] AZ Primary Purchase   B A B A B A B A B A Non QM Non QM Yes C B
202791538 [Redacted] [Redacted] 5278229 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date plus 3)   Reviewer Comment (2018-02-01): Corrected Initial App Date
 02/01/2018       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5278230 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date plus 3)   Reviewer Comment (2018-02-01): Corrected Initial App Date
 02/01/2018       1 [Redacted] AZ Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5278231 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date plus 3)   Reviewer Comment (2018-02-01): Corrected Initial App Date
 02/01/2018       1 [Redacted] AZ Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202791538 [Redacted] [Redacted] 5278246 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date plus 3)   Reviewer Comment (2018-02-01): Corrected Initial App Date
 02/01/2018       1 [Redacted] AZ Primary Purchase Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202791539 [Redacted] [Redacted] 5270409 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] NV Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791539 [Redacted] [Redacted] 5270563 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] NV Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791539 [Redacted] [Redacted] 5270565 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)               2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791539 [Redacted] [Redacted] 5271971 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.   Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-30): Exception approval for months of reserves based on DTI, Residual Income, and stable employment


Reviewer Comment (2018-01-29): Received exception approval with no exception
       01/30/2018 2 [Redacted] NV Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791539 [Redacted] [Redacted] 5272044 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791539 [Redacted] [Redacted] 5307979 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx)               2 [Redacted] NV Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202791540 [Redacted] [Redacted] 5277507 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202791540 [Redacted] [Redacted] 5284504 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 48.03% > 45% Portfolio Select Bank Statement program.  48.03% review DTI based on lower 12 month average $16,404.61 amount of recent 12 months personal bank statements vs. higher 24 month average $17,846.86 amount used by Lender for 43.995% DTI approval.  24 months personal bank statement documentation type not available under Portfolio Select Bank Statement program. 56.30252% LTV < 80% guideline max

Borrower on this Alternative - 12 months personal bank statements documentation loan has a disposable income of $8,525.47; Guideline minimum is $3,000.00.		 Reviewer Comment (2018-02-05): Lender Exception approval provided - TD xx/xx/xxxx.  DTI > guideline max with comp factors: Residual Income and LTV.
       02/05/2018 2 [Redacted] DE Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202791540 [Redacted] [Redacted] 5284552 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.87150% or Final Disclosure APR of 7.87100% is in excess of allowable threshold of APOR 3.89% + 1.5%, or 5.39000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-06): Received Credit Risk Summary & Exception approval
 02/06/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202791540 [Redacted] [Redacted] 5284553 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied. DTI > maximum   Reviewer Comment (2018-02-06): Received Credit Risk Summary & Exception approval
 02/06/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202791540 [Redacted] [Redacted] 5284554 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-02-06): Received Credit Risk Summary & Exception approval
 02/06/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202791540 [Redacted] [Redacted] 5284555 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-02-06): Received Credit Risk Summary & Exception approval
 02/06/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202791540 [Redacted] [Redacted] 5284584 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. $1,2570.05 < $1,136.58.  Closing Disclosure dated xx/xx/xxxx signed by Borrower xx/xx/xxxx is dated > Note and Mortgage dated xx/xx/xxxx signed by Borrower xx/xx/xxxx             2 [Redacted] DE Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202791540 [Redacted] [Redacted] 5284585 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Initial Closing Disclosure dated xx/xx/xxxx discloses closing date xx/xx/xxxx.  
Closing Disclosure dated xx/xx/xxxx signed by Borrower xx/xx/xxxx is dated > Note and Mortgage dated xx/xx/xxxx signed by Borrower xx/xx/xxxx		             2 [Redacted] DE Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791540 [Redacted] [Redacted] 5284586 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/342724) $228,69 < $254.01.  Closing Disclosure dated xx/xx/xxxx signed by Borrower xx/xx/xxxx is dated > Note and Mortgage dated xx/xx/xxxx signed by Borrower xx/xx/xxxx   Reviewer Comment (2018-02-01): Borrower received corrected CD xx/x, prior to disbursement
     02/01/2018   2 [Redacted] DE Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202791540 [Redacted] [Redacted] 5284587 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/342724) Closing Disclosure dated xx/xx/xxxx signed by Borrower xx/xx/xxxx is dated > Note and Mortgage dated xx/xx/xxxx signed by Borrower xx/xx/xxxx   Reviewer Comment (2018-02-01): Borrower received corrected CD xx/x, prior to disbursement
     02/01/2018   2 [Redacted] DE Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202791541 [Redacted] [Redacted] 5262046 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791541 [Redacted] [Redacted] 5262631 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791541 [Redacted] [Redacted] 5265932 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791541 [Redacted] [Redacted] 5265933 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.835%   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791541 [Redacted] [Redacted] 5265935 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $18,760.93 < $20,522.59   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791541 [Redacted] [Redacted] 5320996 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Credit Risk Summary & Exception Approval in file, page 199. Ineligible borrower type - Non-Perm Res. Compensating Factors: 1) Credit History. 2) DTI. 3) Payment Shock. 4) Residual Income. 30.758% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $7,218.38		 Reviewer Comment (2018-01-16): Compensating Factors: 1) Credit History. 2) DTI. 3) Payment Shock. 4) Residual Income.
       01/16/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791542 [Redacted] [Redacted] 5270099 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] CA Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202791542 [Redacted] [Redacted] 5270104 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791542 [Redacted] [Redacted] 5308147 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx within 10 days of closing   Reviewer Comment (2018-01-19): Received


Buyer Comment (2018-01-19): Please note this was pulled on 11/27 and was within 10 days of closing
 01/19/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791543 [Redacted] [Redacted] 5268437 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2018-01-29): Received Amended Data Tape
 01/29/2018       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202791543 [Redacted] [Redacted] 5268439 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202791543 [Redacted] [Redacted] 5268520 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202791543 [Redacted] [Redacted] 5322684 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___
___		 Missing signed personal 4506-T (Request for Transcript of Tax Return).   Reviewer Comment (2018-01-26): Received


Reviewer Comment (2018-01-19): Received Transcripts, however missing form 4506 or 4506-T
 01/26/2018       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202791543 [Redacted] [Redacted] 5322721 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-01-26): Received ClearCapital Post Disaster Inspection Form dated xx/xx/xxxx.
 01/26/2018       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202791543 [Redacted] [Redacted] 5432127 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.               2 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202791545 [Redacted] [Redacted] 5267793 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202791545 [Redacted] [Redacted] 5267934 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-22): Received
 01/22/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202791545 [Redacted] [Redacted] 5269503 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing verification 6 months ($32,899.32) PITI reserves under Portfolio Select Bank Statement program   Reviewer Comment (2018-01-29): Updated balance on xxxx for xx/xx/xxxx


Reviewer Comment (2018-01-22): Received assets - same as in file, using the statement balance from the business account on xxxx still has insufficient reserves, 4 months less than 6 months required
 01/29/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202791545 [Redacted] [Redacted] 5269504 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $164,551.93 < $166,991.47   Reviewer Comment (2018-01-29): Updated balance on xxxxx for xx/xx/xxxx


Buyer Comment (2018-01-22): Please see Earnest Money checks cleared the account in xxxxx and xxxx  Should not be deducted from accounts dated xxxx
 01/29/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202791545 [Redacted] [Redacted] 5294960 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   $42,073.48 in assets on deposit with xxxxx per final 1003 not verified (sourced and seasoned for 30 days).   Reviewer Comment (2018-01-29): Assets are all updated and have 24 months of statements


Buyer Comment (2018-01-22): $42k was transferred from account ending in xxx to account ending in xxx.  Then transferred back from account ending in xxx to account ending in xxx.  Funds were seasoned 30 days in account ending in xxxx
 01/29/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202791546 [Redacted] [Redacted] 5270362 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202791546 [Redacted] [Redacted] 5274429 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202791547 [Redacted] [Redacted] 5267574 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] AZ Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202791547 [Redacted] [Redacted] 5267749 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] AZ Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202791548 [Redacted] [Redacted] 5277972 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202791548 [Redacted] [Redacted] 5277987 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] FL Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791548 [Redacted] [Redacted] 5277988 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains a Demand Feature. (Final/xx/xx/xxxx) Demand Feature not disclosed in Loan Disclosure section of Final Closing Disclosure.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791548 [Redacted] [Redacted] 5277989 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Negative Amortization TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains Negative Amortization. (Final/xx/xx/xxxx) Negative Amortization (Increase in Loan Amount) not disclosed in Loan Disclosure section of Final Closing Disclosure.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202791548 [Redacted] [Redacted] 5277990 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Partial Payments TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xx/xx/xxxx) Partial Payments not disclosed in Loan Disclosure section of Final Closing Disclosure.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202791548 [Redacted] [Redacted] 5277991 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791550 [Redacted] [Redacted] 5268440 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791550 [Redacted] [Redacted] 5268463 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] SC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791550 [Redacted] [Redacted] 5268470 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Flood Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Flood Insurance Premium under Prepaids. (Final/xx/xx/xxxx) Section G, Line 05 (#  months) field is blank.   $1,287.00 Flood Insurance premium paid by Borrower at closing disclosed   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791550 [Redacted] [Redacted] 5268471 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section G, Line 04 (#  months) field is blank.   $182.03 Property Taxes paid by Borrower at closing and $2,586.40 paid by Seller at closing disclosed   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791550 [Redacted] [Redacted] 5268472 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791550 [Redacted] [Redacted] 5268473 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202791550 [Redacted] [Redacted] 5358967 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-19): Data was corrected on subsequent CDs (SFIG)
 01/19/2018       1 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure   A   A   A   A   A Non QM Non QM Yes C B
202791551 [Redacted] [Redacted] 5272307 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information, Mortgage Broker contact field is blank   Reviewer Comment (2018-02-02): Rec'd LOE, corrected CD and evidence of emailing.
     02/02/2018   2 [Redacted] UT Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202791551 [Redacted] [Redacted] 5272492 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 47.78% > 45% Non-Prime program.  Lender's 47.24% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: LTV and Reserves Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-12): Credit Risk Summary & Exception approval p2 u/s
       01/12/2018 2 [Redacted] UT Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202791551 [Redacted] [Redacted] 5272514 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] UT Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202791551 [Redacted] [Redacted] 5272524 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. 40.94% > 40% Non-Prime program.  Lender's 40.94% > 40%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: LTV and Reserves 71.647% LTV < 80% guideline max

12 months reserves > 3 months guideline minimum - borrowers have verified reserves of $24,574.27		 Reviewer Comment (2018-01-19): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed (40.94). Compensating Factors: 1) LTV. 2) Reserves.
       01/19/2018 2 [Redacted] UT Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202791551 [Redacted] [Redacted] 5302708 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/0xx/xx/xxxx)               2 [Redacted] UT Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202791552 [Redacted] [Redacted] 5267741 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202791552 [Redacted] [Redacted] 5269234 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202791552 [Redacted] [Redacted] 5269276 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2018-02-08): Received updated tape
 02/08/2018       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202791552 [Redacted] [Redacted] 5269279 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.  $6,923.68 in City Taxes paid by Seller at closing disclosed.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202791552 [Redacted] [Redacted] 5269280 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 06 (# months) field is blank.  $2,181.56 in County/City Taxes paid by Seller at closing disclosed.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202791552 [Redacted] [Redacted] 5269281 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202791552 [Redacted] [Redacted] 5282781 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing VOM for second mortgage #xxxxxxxxx Credit report reports only mortgage rating for 1st held by xxxxx.   Copy of second mortgage Note documenting loan was a Straight Note documenting no monthly repayment was required. 772 representative FICO score >  680 guideline minimum - 92 points above guideline minimum

Borrower on this Full documentation loan has a disposable income of $$6,045.11		 Reviewer Comment (2018-01-30): Received Credit Risk Summary & Exception Approval. Credit: Documentation missing - missing VOM for second mortgage. Compensating Factors: 1) Credit Score. 2) Credit History. 3) Residual Income.
       01/30/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Higher Priced QM Safe Harbor QM No C B
202791552 [Redacted] [Redacted] 5283400 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $6,923.68 City Taxes and $2,181.56 County/City Taxes paid by Seller at closing per Consumer's CD not disclosed on Seller's CD   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202791552 [Redacted] [Redacted] 5283505 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $90,077.66 < $101,475.99   Reviewer Comment (2018-02-07): Updated assets


Reviewer Comment (2018-01-30): Received same assets as provided in the loan file.


Reviewer Comment (2018-01-19): Cash to Close $53,515.99 + $7,500 EMD + $40,000 Gift = $101,015.99


Buyer Comment (2018-01-16): cash to close is $53,515.99
 02/07/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202791552 [Redacted] [Redacted] 5283511 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing verification 6 months ($21,621.96) PITI reserves xxxx Jumbo Prime program   Reviewer Comment (2018-02-07): Updated assets


Reviewer Comment (2018-01-30): Received same assets as provided in the loan file.
 02/07/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202791552 [Redacted] [Redacted] 5538382 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated tape             2 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202791553 [Redacted] [Redacted] 5269038 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final 1003       Reviewer Comment (2018-02-09): Received signed final 1003


Reviewer Comment (2018-01-19): Rec'd 1003, not signed by borrower(s).
 02/09/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202791553 [Redacted] [Redacted] 5269167 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202791553 [Redacted] [Redacted] 5269235 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791553 [Redacted] [Redacted] 5275487 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Missing xxxx Checking xxx statement for xxxxx.  23 months statements in file < 24 months required under Portfolio Select Business Bank Statement program.  --   Missing explanation from the borrower to determine acceptability of the income which is  required when income calculated is significantly higher than income stated on 1003 under Portfolio Select Business Bank Statement program.   DTI based on lower $36,711.00 stated monthly income per initial 1003 vs higher $50,228.98 average deposit amount per business bank statements. Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-08): Received exception approval for 23 months and LOE based on Payment shock, residual income, and DTI
       02/08/2018 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202791553 [Redacted] [Redacted] 5275960 [Redacted] [Redacted] Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Title Error: Legal description does not concur with deed Deed belongs another property held by consumer Exhibit A - Property (Legal) Description attached to Mortgage does not concur with legal description per Title Commitment.   Reviewer Comment (2018-01-19): Rec'd LOE / attestation letter indicating the mortgage was recorded with the correct legal description.
 01/19/2018       1 [Redacted] FL Second Home Purchase New Deed requested C A C A C A C A C A Non QM Non QM No C B
202791555 [Redacted] [Redacted] 5276271 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 676 score per Lender's credit report dated xxxx < 700 minimum 90% LTV Portfolio Select Bank Statement program.   Exception not acknowledged by Lender.  676 score supports 85% LTV under approved program.  Broker's credit report in file dated xxxxx prior to Lender's report dated xxxx discloses a 706 middle score for Borrower. DTI, residual income. Reviewer Comment (2018-02-01): Rec'd exception:  Credit score < LTV requirements.  Representative FICO score of 676 is less than guideline representative FICO score of 700 and excessive LTV for score.
       02/01/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791555 [Redacted] [Redacted] 5276279 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791555 [Redacted] [Redacted] 5276365 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] TX Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202791555 [Redacted] [Redacted] 5276368 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Closing Disclosure reflects $2.21 Lender credit for tolerance. $2.21 < $8.21 tolerance total.   Reviewer Comment (2018-01-29): TX Guaranty Fee not subject to 0% tolerance
 01/29/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202791555 [Redacted] [Redacted] 5276371 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $77.21 exceeds tolerance of $75.00.  Insufficient or no cure was provided to the borrower. (7520) Closing Disclosure reflects $2.21 Lender credit for tolerance.   Reviewer Comment (2018-01-29): TX Guaranty Fee not subject to 0% tolerance
 01/29/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202791555 [Redacted] [Redacted] 5276372 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title- Guaranty Fee.  Fee Amount of $6.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) Fee not disclosed on Loan Estimated dated xx/xx/xxxx but disclosed on Final Closing Disclosure.   Valid Change of Circumstance not in file. Final Closing Disclosure does not reflect a Lender credit for $6.00 tolerance.   Reviewer Comment (2018-01-29): TX Guaranty Fee not subject to 0% tolerance
 01/29/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202791555 [Redacted] [Redacted] 5281564 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $100.00 Lender's Attorney Review fee paid by Seller at closing disclosed on Consumer's CD not disclosed on Seller's CD. Seller's CD discloses a -$300.00 credit to Seller for Survey Fee.             2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202791555 [Redacted] [Redacted] 5432049 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $77.21 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)           01/29/2018   1 [Redacted] TX Primary Purchase Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C B
202791556 [Redacted] [Redacted] 5270598 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791556 [Redacted] [Redacted] 5270741 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-22): rec'd e-consent
 01/22/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791556 [Redacted] [Redacted] 5276108 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Fraud Report not provided       Reviewer Comment (2018-01-22): Rec'd fraud report.
 01/22/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791556 [Redacted] [Redacted] 5297380 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   $xxx dwelling coverage ($xxx + 20% extended replacement cost) < $xxx estimated cost new and $xxx original loan amount.  Evidence of 100% Guaranteed Replace Cost coverage not documented.  Lender Documented Insured Value not documented.   Reviewer Comment (2018-01-22): Rec'd RCE.  Coverage is sufficient.
 01/22/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791556 [Redacted] [Redacted] 5297470 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 45.25% > 45% Portfolio Select program.  45.25% includes $476.00 consumer debt payment per credit comparison report dated xxxx.   Lender's 43.96% includes lower $357.00 consumer debt payment per Lender's credit report dated xxxxx. Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-11): Credit Risk Summary & Exception approval p2 Unstacked
       01/11/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791556 [Redacted] [Redacted] 5297473 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. 40.08% > 40% Portfolio Select program.  Lender's 40.08% > 40%.  Lender's Credit Risk Summary Exception Approval in file.  Compensating factors: Credit history and Residual income. Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-22): Rec'd exception for DTI:  Guideline Requirement:  Investor qualifying housing ratio discrepancy 40.08.
       01/22/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791557 [Redacted] [Redacted] 5269529 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NV Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791557 [Redacted] [Redacted] 5269596 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] NV Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791557 [Redacted] [Redacted] 5274451 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xx/xx/xxxx disclosed a negative fee amount. (Final/xx/xx/xxxx) Seller paid all of Buyer's closing costs.  Section G of Seller's CD discloses -$197.96 Aggregate Adjustment amount disclosed.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791557 [Redacted] [Redacted] 5274452 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller paid all of Buyer's closing costs. $8,755.24 net costs paid by Seller at closing per Seller's CD not disclosed on Consumer's CD.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] NV Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202791557 [Redacted] [Redacted] 5274624 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Optional Fees TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed Optional fees in a section other than Section H. (Final/xx/xx/xxxx) Section H discloses $1,075.00 Title - Owner's Title Insurance (optional) fee paid by Borrower at closing   Reviewer Comment (2018-01-19): N/A
 01/19/2018       1 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202791557 [Redacted] [Redacted] 5274625 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-01-19): Reran Compliance
 01/19/2018       1 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202791557 [Redacted] [Redacted] 5274750 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Service fee.  Fee Amount of $80.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on final Closing Disclosure. Valid Change of Circumstance not in file. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-01-19): Reran Compliance
 01/19/2018       1 [Redacted] NV Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202791557 [Redacted] [Redacted] 5308847 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Within 10 days of closing   Reviewer Comment (2018-01-22): Rec'd undated printout and attestation letter that the verification was printed xxx.


Reviewer Comment (2018-01-19): Received undated printout showing business information.
 01/22/2018       1 [Redacted] NV Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791558 [Redacted] [Redacted] 5279151 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided       Reviewer Comment (2018-01-22): Rec'd purchase agreement.
 01/22/2018       1 [Redacted] CA Primary Purchase   D A D A D A D A D A Non QM Non QM No D B
202791558 [Redacted] [Redacted] 5279330 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No D B
202791558 [Redacted] [Redacted] 5279531 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-22): Rec'd e-consent.
 01/22/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No D B
202791558 [Redacted] [Redacted] 5279586 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Final CD xx/xx/xxxx did not disclose the Broker's Contact Name under the Contact Information section.   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD and evidence of emailing.
     01/22/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes D B
202791558 [Redacted] [Redacted] 5279587 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final CD xx/xx/xxxx did not disclose the number of months used to calculate the total Property Tax fee paid by the seller.   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD and evidence of emailing.
     01/22/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes D B
202791558 [Redacted] [Redacted] 5279600 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller's Final CD disclosed a total of $38,170.19 in fees paid at closing that were not disclosed on the Buyer's Final CD xx/xx/xxxx.   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD and evidence of emailing.
     01/22/2018   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes D B
202791559 [Redacted] [Redacted] 5276170 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.95810% or Final Disclosure APR of 7.15200% is in excess of allowable threshold of APOR 3.88% + 1.5%, or 5.38000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-01-25): Property is not a flip, it is new construction, prior sale is land only
 01/25/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791559 [Redacted] [Redacted] 5276176 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-22): rec'd e-consent
 01/22/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791559 [Redacted] [Redacted] 5276177 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-22): cleared with compliance re-run - no violation
 01/22/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202791559 [Redacted] [Redacted] 5276281 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791559 [Redacted] [Redacted] 5289178 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   - Borrower's 38 NSF and overdraft activity within recent 12 months per business bank statements not reviewed for acceptability by Lender under Portfolio Select Business Bank Statement program   Reviewer Comment (2018-01-25): 4 NSF, others funds transfer per 1008 comment
 01/25/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791559 [Redacted] [Redacted] 5289192 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) TILA HPML Appraisal Rule  (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. override.  Last transfer @ $0.00.  Details not provided per appraiser.   Subject is new construction.  Borrowers purchasing subject from builder.   Reviewer Comment (2018-01-22): no violation, new construction


Buyer Comment (2018-01-20): please clear condition
 01/22/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791559 [Redacted] [Redacted] 5289195 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $10,470.00 in total closing costs paid by Seller at closing not disclosed on Consumer's CD   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD and evidence of emailing.
     01/22/2018   2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202791560 [Redacted] [Redacted] 5271685 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791560 [Redacted] [Redacted] 5275175 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791561 [Redacted] [Redacted] 5275421 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-10): received CDA within 10%
 03/10/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202791561 [Redacted] [Redacted] 5275611 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2018-01-29): Received Amended Data tape
 01/29/2018       1 [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202791561 [Redacted] [Redacted] 5275612 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. E-sign consent agreement not provided.   Reviewer Comment (2018-01-22): rec'd e-consent
 01/22/2018       1 [Redacted] CA Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202791561 [Redacted] [Redacted] 5275615 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Disclosed Closing Date xx/xx/xxxx.  Note, Mortgage and Final Closing Disclosure dated xx/xx/xxxx acknowledged by Borrower on xx/xx/xxxx.             2 [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202791561 [Redacted] [Redacted] 5275616 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. (Final/xx/xx/xxxx)               2 [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202791561 [Redacted] [Redacted] 5432473 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.               2 [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202791562 [Redacted] [Redacted] 5275218 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791562 [Redacted] [Redacted] 5275262 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] MD Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791562 [Redacted] [Redacted] 5275265 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $175.00 in closing costs paid by Seller at closing per Consumer's CD not disclosed on Seller's CD.   Reviewer Comment (2018-01-17): Rec'd LOE, corrected CD and evidence of emailing.
     01/17/2018   2 [Redacted] MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791563 [Redacted] [Redacted] 5277687 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-22): rec'd e-consent
 01/22/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791563 [Redacted] [Redacted] 5277689 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202791563 [Redacted] [Redacted] 5277690 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.  $10,078.15 Property Taxes paid by Borrower at closing disclosed.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791563 [Redacted] [Redacted] 5277694 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,475.00 exceeds tolerance of $1,430.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $45.00 Lender credit for tolerance.         01/05/2018   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202791563 [Redacted] [Redacted] 5277719 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 2.52 months ($36,954.09)  < 6 months ($90,089.16) PITI reserves Portfolio Select Bank Statement program.   Lender's 5 months < 6 months.   Lender's Credit Risk Summary & Exception Approval in file.    Compensating factors:  Payment shock and Residual income Payment shock of 170% is less than the limit of 300%.

Residual income of $37,389 is greater than the required $3,000.		 Reviewer Comment (2018-01-08): Lender approved exception.
       01/08/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791563 [Redacted] [Redacted] 5280516 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Pad fee that was not allocated to a specific cost or service performed. (Final/xx/xx/xxxx) Section H, Line 05, discloses $1,200.00 Refundable Escrow Pad Fee paid to xxx by Seller at closing.  xxx not disclosed as Settlement Agent (Escrow or Title) for transaction.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] CA Primary Purchase Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202791563 [Redacted] [Redacted] 5280517 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791563 [Redacted] [Redacted] 5308348 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy. Note loan amount of ___ is greater than Guideline maximum loan amount of ___. $xxx > $1,500,000.00 @ 90% LTV Portfolio Select Bank Statement program.  Exception not acknowledged by Lender. Payment shock of 170% is less than the limit of 300%.

Residual income of $37,389 is greater than the required $3,000.		 Reviewer Comment (2018-01-22): Rec'd exception for loan amount exceeds maximum allowed by product.
       01/22/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791563 [Redacted] [Redacted] 5308991 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xx/xx/xxxx disclosed a negative fee amount. (Final/xx/xx/xxxx) Seller's CD discloses a -$4,249.83 Title - Escrow Discount Fee credit to Seller at closing   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791563 [Redacted] [Redacted] 5308992 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) -$4,249.83 Title - Escrow Discount Fee credit to Seller, $1,510.00 Pest/Termite Fee and $29.18 Regulatory Fee paid by Seller at closing per Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2018-01-26): $120,581.54 > $83,752.19 on PCCD dated xx/xx/xxxx
         2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202791563 [Redacted] [Redacted] 5309821 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing copy of signed final Closing Disclosure confirming sale of departing residence 3xxxxxx   Reviewer Comment (2018-01-22): Rec'd copy of seller's final settlement statement.
 01/22/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791564 [Redacted] [Redacted] 5275097 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided       Reviewer Comment (2018-01-25): Rec'd senior lien note.
 01/25/2018       1 [Redacted] GA Primary Purchase   D A D A D A D A D A Non QM Non QM No D B
202791564 [Redacted] [Redacted] 5275098 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-25): Rec'd flood cert.
 01/25/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No D B
202791564 [Redacted] [Redacted] 5276623 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Alternate Table With Seller TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx used an alternate table on a transaction with a seller. (Final/xx/xx/xxxx)               2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes D B
202791564 [Redacted] [Redacted] 5276626 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller Change - Total Payoffs TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Payoff Amount that is not equal to the sum of all payoffs listed in the Payoffs and Payments section. (Final/xx/xx/xxxx)               2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes D B
202791564 [Redacted] [Redacted] 5276627 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Rec'd initial CD dated xx/xx/xxxx
 01/26/2018       1 [Redacted] GA Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No D B
202791564 [Redacted] [Redacted] 5276628 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx)               2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes D B
202791566 [Redacted] [Redacted] 5274786 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202791566 [Redacted] [Redacted] 5300725 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing VVOE within 10 days of closing Borrower (One provided is 11 days at time of funding) 164 months reserves > 6 months guideline minimum - borrowers have verified reserves of $159,996.14

Borrower on this Full documentation loan has a disposable income of $12,147.18		 Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception Approval. Income - ok to use verification of employment which is 11 days old at time of funding. Compensating Factors: 1) Reserves. 2) Residual Income.
       01/17/2018 2 [Redacted] FL Investment Purchase   C B C B C B C B C B N/A N/A No C B
202791567 [Redacted] [Redacted] 5276444 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202791567 [Redacted] [Redacted] 5277695 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Guideline Requirement: Available for Reserves discrepancy. Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. 14,637.65 < $21,744.24 ($19,032.24 subject + $2,712.00  primary) Non-prime Foreign National program $4,814.30 Residual income on a Foreign National loan Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception Approval. Reserve: Requirements not met. Compensating Factor: 1) Residual Income.
       01/17/2018 2 [Redacted] FL Investment Purchase   C B C B C B C B C B N/A N/A No C B
202791569 [Redacted] [Redacted] 5275899 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791569 [Redacted] [Redacted] 5276232 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $495.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) $10 cure was provided to borrower         01/05/2018   1 [Redacted] IN Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202791569 [Redacted] [Redacted] 5276427 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Received PCCD dated xx/xx/xxxx correcting the TIP. Error on PCCD dated xx/xx/xxxx - missing number of months prepaid property taxes (Section F Line 4).
         2 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791569 [Redacted] [Redacted] 5419426 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Data was corrected on subsequent CDs (SFIG)
 01/26/2018       1 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure   A   A   A   A   A Non QM Non QM Yes C B
202791572 [Redacted] [Redacted] 5281719 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Credit score < 500.    499 middle score per Lender's Credit report < 500 Non-Prime program.  Lender's Credit Risk Summary & Exception Approval in file,  Compensating factors:  DTI, Reserves, Residual income and Stable employment Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-12): Credit Risk Summary & Exception approval p2 u/s
       01/12/2018 2 [Redacted] MD Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791573 [Redacted] [Redacted] 5280013 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] WA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791573 [Redacted] [Redacted] 5280086 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $182.00 plus 10% or $200.20.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $49.80 Lender credit for tolerance.         01/08/2018   1 [Redacted] WA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202791573 [Redacted] [Redacted] 5282233 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx)     Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] WA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791573 [Redacted] [Redacted] 5304399 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $150.00 Title - Notary Fee paid by Seller at closing disclosed on Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2018-01-17): Rec'd LOE, corrected CD and evidence of emailing.
     01/17/2018   2 [Redacted] WA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202791574 [Redacted] [Redacted] 5281290 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 47.56% > 45% Non-Prime Recent Housing Event program.  Lender's DTI 46.53% > 45%.   Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Reserves 75% LTV Reviewer Comment (2018-01-10): Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: Reserves
       01/10/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202791574 [Redacted] [Redacted] 5281299 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791574 [Redacted] [Redacted] 5281658 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-22): rec'd e-consent
 01/22/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791574 [Redacted] [Redacted] 5281659 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Closing Disclosure reflects $875.50 Lender credit for $25.00 tolerance.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
 02/10/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202791574 [Redacted] [Redacted] 5281660 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $2,508.24 in closing costs paid by Seller at closing disclosed on Consumer's CD not disclosed on Seller's CD             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791574 [Redacted] [Redacted] 5281661 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77201) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed Final Closing Disclosure.   Valid Change of Circumstance not in file. Closing Disclosure reflects $875.50 Lender credit for $25.00 tolerance.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
 02/10/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202791575 [Redacted] [Redacted] 5279168 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791575 [Redacted] [Redacted] 5279557 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-17): REceived
 01/17/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202791575 [Redacted] [Redacted] 5279558 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table. (Final/xx/xx/xxxx) Calculating Cash to Close section of Final Closing Disclosure discloses $0.00 Seller Credit.  Summary of Transaction discloses $1,000.00 Seller credit to Borrower   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791575 [Redacted] [Redacted] 5279559 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791575 [Redacted] [Redacted] 5279560 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $411.00 tolerance.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202791575 [Redacted] [Redacted] 5281818 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Dues.  Fee Amount of $411.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $411.00 HOA Dues paid by Borrower at closing not disclosed on Loan Estimate or initial Closing Disclosure but was disclosed in Section C of Final Closing Disclosure. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.


Buyer Comment (2018-01-17): no cure required
     01/19/2018   2 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202791575 [Redacted] [Redacted] 5310879 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   $411.00 HOA Dues paid by Borrower at closing usually disclosed in Section H, were disclosed in Section C of Final Closing Disclosure.   Reviewer Comment (2018-01-19): Rec'd LOE, corrected CD and evidence of emailing.
     01/19/2018   2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202791576 [Redacted] [Redacted] 5280301 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] PA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202791576 [Redacted] [Redacted] 5280505 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.               2 [Redacted] PA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202791576 [Redacted] [Redacted] 5280506 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information, Mortgage Broker contact name field is blank   Reviewer Comment (2018-02-02): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2018-01-29): Rec'd evidence PC CD emailed to borrower, missing a copy of the CD.
     02/02/2018   2 [Redacted] PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202801943 [Redacted] [Redacted] 5307047 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Aged document: Asset Account date is more than 90 days prior to the note. Financial Institution: xxxx / End Date: xxxx // Account Type: Checking / Account Number:xxxx Asset Account Date: ___ Bank statements dated xxxx.  Note date  xxxx.  Guidelines require bank statements to be within 90 days of Note date. Borrower on this Full documentation loan has a disposable income of $9221 Reviewer Comment (2018-01-22): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/22/2018 2 [Redacted] FL Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A N/A No C B
202801945 [Redacted] [Redacted] 5294850 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent form not in file   Reviewer Comment (2018-01-17): Received
 01/17/2018       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202801945 [Redacted] [Redacted] 5294854 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Final CD total interest percentage does not match that of loan             2 [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801945 [Redacted] [Redacted] 5294907 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. Note loan amount of $xxx. Guideline minimum loan amount is $xxx with lender paid compensation 7% DTI

Residual Income $23,519		 Reviewer Comment (2018-01-17): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/17/2018 2 [Redacted] IL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202801945 [Redacted] [Redacted] 5294920 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801945 [Redacted] [Redacted] 5319717 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx)               2 [Redacted] IL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202801946 [Redacted] [Redacted] 5295997 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-19): Received
 01/19/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801946 [Redacted] [Redacted] 5296500 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801946 [Redacted] [Redacted] 5313657 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) CD data field is blank.  Note:  This is a seller paid fee.             2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801946 [Redacted] [Redacted] 5313658 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $495 Home Warranty fee was not disclosed on borrower's CD.             2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202801946 [Redacted] [Redacted] 5313659 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,727.00 exceeds tolerance of $2,255.00 plus 10% or $2,480.50.  Sufficient or excess cure was provided to the borrower at Closing. (0)           01/14/2018   1 [Redacted] TX Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202801946 [Redacted] [Redacted] 5313660 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $6.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75188)           01/14/2018   1 [Redacted] TX Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202801946 [Redacted] [Redacted] 5313661 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender Required Survey Fee.  Fee Amount of $229.90 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75189)           01/14/2018   1 [Redacted] TX Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202801946 [Redacted] [Redacted] 5313662 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $283.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7564)           01/14/2018   1 [Redacted] TX Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202801946 [Redacted] [Redacted] 5837074 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Desk Review value is less than Appraised value by at least 10%.       Reviewer Comment (2018-03-10): CDA is within 10%
 03/10/2018       1 [Redacted] TX Primary Purchase     A   A   A   A   A Non QM Non QM No C B
202801947 [Redacted] [Redacted] 5295159 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801947 [Redacted] [Redacted] 5295804 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.47520% or Final Disclosure APR of 6.50500% is in excess of allowable threshold of APOR 3.90% + 1.5%, or 5.40000%.  Non-Compliant Rate Spread Home Loan. Verified fees were input correctly.   Reviewer Comment (2018-02-08): Updated with attestation letter
 02/08/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801947 [Redacted] [Redacted] 5295805 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium.     Reviewer Comment (2018-02-08): Updated with attestation letter


Reviewer Comment (2018-01-30): In the case here, the broker disclosure, while signed, is otherwise blank and provides no supporting evidence to help further clear the exception. Please confirm with lender if additional documentation exists to support the YSP was solely based on principal and not on any terms of the loan. (CHD-5681)


Reviewer Comment (2018-01-30): sent to Compliance (CHD-5681)
 02/08/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801947 [Redacted] [Redacted] 5295807 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) CD data field is blank.  Note:  This is a seller paid fee.             2 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801947 [Redacted] [Redacted] 5537184 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.47520% or Final Disclosure APR of 6.50500% is in excess of allowable threshold of APOR 3.90% + 1.5%, or 5.40000%.  Compliant Rate Spread Home Loan.               2 [Redacted] NC Primary Purchase     B   B   B   B   B Non QM Non QM No C B
202801948 [Redacted] [Redacted] 5300749 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index used from the rate lock sheet provided, variance reason is not evident.             2 [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes B B
202801948 [Redacted] [Redacted] 5319957 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-01-26): Rec'd Post Disaster Inspection dated xx/xx/xxxx indicating no damage.
 01/26/2018       1 [Redacted] CA Primary Refinance - Rate/Term   B A B A B A B A B A Non QM Non QM No B B
202801949 [Redacted] [Redacted] 5292415 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] NC Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202801949 [Redacted] [Redacted] 5292523 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2018-01-23): Received Amended Data Tape
 01/23/2018       1 [Redacted] NC Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202801949 [Redacted] [Redacted] 5292525 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-22): Received
 01/22/2018       1 [Redacted] NC Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202801949 [Redacted] [Redacted] 5292530 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Final CD reflects TIP of 75.26600%.  Calculated TIP is 73.64000%.  Rate lock reflects Index of 1.835%, however that Index is not available in system.  Used 1.84289% as that is the lowest available in system.             2 [Redacted] NC Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202801949 [Redacted] [Redacted] 5381630 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.               2 [Redacted] NC Primary Refinance - Rate/Term Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202801950 [Redacted] [Redacted] 5300600 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a second valuation prodict at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202801950 [Redacted] [Redacted] 5300979 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $218.   Reviewer Comment (2018-02-10): Rec'd corrected CD reflecting Title - Tax Certification Fee and Title - Notary Fee payable to the title company, LOE to the borrower, and evidence of emailing.
     02/10/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801950 [Redacted] [Redacted] 5300980 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee.  Fee Amount of $43.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77188) Fee not disclosed on LE.   Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is included in 0% tolerance testing.   Reviewer Comment (2018-02-10): Rec'd corrected CD reflecting Title - Tax Certification Fee payable to the title company, LOE to the borrower, and evidence of emailing.
     02/10/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202801950 [Redacted] [Redacted] 5300981 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) Fee not disclosed on LE.  Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is included in 0% tolerance testing.   Reviewer Comment (2018-02-10): Rec'd corrected CD reflecting Title - Tax Certification Fee and Title - Notary Fee payable to the title company, LOE to the borrower, and evidence of emailing.
     02/10/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202801950 [Redacted] [Redacted] 5309392 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) Endorsements not reflected on Committment, Closing Statement or Final CD.             2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B B B B B B B B B B Non QM Non QM No C B
202801950 [Redacted] [Redacted] 5309393 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-02-06): rec'd signed disclosure
 02/06/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202801952 [Redacted] [Redacted] 5301803 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801952 [Redacted] [Redacted] 5301935 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Lender exception granted. Compensating factors: 758 credit score, 10% lower LTV than guidelines, 19% payment shock, and good residual income. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-01-16): Credit Risk Summary & Exception approval p2 u/s
       01/16/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202801952 [Redacted] [Redacted] 5302010 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-22): Received
 01/22/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202801952 [Redacted] [Redacted] 5302015 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $146.00 plus 10% or $160.60.  Sufficient or excess cure was provided to the borrower at Closing. (0) Recording fee of $146 from loan estimate closed at $200 on final closing disclosure.         01/11/2018   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202801952 [Redacted] [Redacted] 5302016 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $540.00 exceeds tolerance of $495.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           01/11/2018   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202801952 [Redacted] [Redacted] 5302141 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801954 [Redacted] [Redacted] 5294671 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202801954 [Redacted] [Redacted] 5294672 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/344614) Difference due to taxes used on CD.  Per tax cert in file, (551.63+2488.85)/12=$253.37 vs. $251.58 on CD.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] MI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202801954 [Redacted] [Redacted] 5294673 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/344615) Difference due to taxes used on CD.  Per tax cert in file, (551.63+2488.85)/12=$253.37 vs. $251.58 on CD.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] MI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202801954 [Redacted] [Redacted] 5294674 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/344616) Difference due to taxes used on CD.  Per tax cert in file, (551.63+2488.85)/12=$253.37 vs. $251.58 on CD.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] MI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202801954 [Redacted] [Redacted] 5294675 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/344617) Difference due to taxes used on CD.  Per tax cert in file, (551.63+2488.85)/12=$253.37 vs. $251.58 on CD.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] MI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202801954 [Redacted] [Redacted] 5294676 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/344614) Difference due to taxes used on CD.  Per tax cert in file, (551.63+2488.85)/12=$253.37 vs. $251.58 on CD.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] MI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202801954 [Redacted] [Redacted] 5294677 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Buyer Comment (2018-01-29): index used 2.039
         2 [Redacted] MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801954 [Redacted] [Redacted] 5297461 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. Lender exception on pg. 346 for LTV over program limit for FICO.  Comp factors:  Front end DTI, payment shock Payment shock is low at 16% Reviewer Comment (2018-01-18): Credit Risk Summary & Exception approval p13 u/s
       01/18/2018 2 [Redacted] MI Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202801954 [Redacted] [Redacted] 5297462 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. Lender exception on pg. 346 for LTV over program limit for FICO.  Comp factors:  Front end DTI, payment shock Payment shock is low at 16% Reviewer Comment (2018-01-18): Credit Risk Summary & Exception approval p13 u/s
       01/18/2018 2 [Redacted] MI Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202801954 [Redacted] [Redacted] 5345512 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.   Payment shock is low at 16% Reviewer Comment (2018-01-18): Credit Risk Summary & Exception approval  p13 u/s
       01/18/2018 2 [Redacted] MI Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202801955 [Redacted] [Redacted] 5301326 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801955 [Redacted] [Redacted] 5301443 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller Closing Disclosure seller paid fees are $10,275.00 and the Consumer's Final Closing Disclosure seller paid fees are $15,175.00.  $4,900 variance due to commissions reflected on borrower's CD as $14,700 and as $9,800 on seller's CD.   Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801955 [Redacted] [Redacted] 5302766 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Lender was able to verify rent from xxx - xxxx but meets the exception policy based on compensating factor of DTI 10.48% and credit history 10.48% DTI on this Full documentation loan < 45% guideline max - 34.52% below program guideline maximum

Guideline variance approved by lender at time of origination

Borrower on this Full documentation loan has a disposable income of $25,792.41 > $3,000.00 minimum required.		 Reviewer Comment (2018-01-17): Credit Risk Summary & Exception approval p17
       01/17/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202801956 [Redacted] [Redacted] 5296823 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) CD data field is blank.             2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801956 [Redacted] [Redacted] 5320308 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI does exceed 45% but meets the exception policy based on compensating factors of 713 credit score, 64% LTV ( value verified by 2 appraisals using the lower value for LTV), no payment shock, 12 months reserves versus 6 month requirement and back ratio only over guidelines by 0.791%. 713 > 680 minimum requirement

65% LTV < 80% max.

12 Mos Reserves > 6 month requirement.

$16,277.87 Residual Income exceeds guideline minimum requirement of $3,000		 Reviewer Comment (2018-01-16): Waive per Lender's exception policy.
       01/16/2018 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202801956 [Redacted] [Redacted] 5320492 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,940.00 exceeds tolerance of $1,670.00 plus 10% or $1,837.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)           01/16/2018   1 [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202801957 [Redacted] [Redacted] 5293409 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801957 [Redacted] [Redacted] 5293506 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Lender exception granted for payment shock >250% per guidelines. Actual payment shock 493% as borrower rents from family. Compensating factors: Guideline variance approved by lender at time of origination due to borrower's residual income of $6,077.64 and 773 representative FICO score > 680 guideline minimum - 93 points above guideline minimum. Guideline variance approved by lender at time of origination due to borrower's residual income of $6,077.64.

773 representative FICO score > 680 guideline minimum - 93 points above guideline minimum.		 Reviewer Comment (2018-01-18): Credit Risk Summary & Exception approval p2 u/s
       01/18/2018 2 [Redacted] WI Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202801957 [Redacted] [Redacted] 5294636 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosure reflects TIP of  131.60%, but calculated TIP is %, which is outside of .03% variance. Unable to determine Index Value used by Client.  Used Index value of 1.906%.             2 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801957 [Redacted] [Redacted] 5294637 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Cure for 10% tolerance was not provided.   Reviewer Comment (2018-02-01): Updated same service provider
 02/01/2018       1 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202801957 [Redacted] [Redacted] 5294638 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) Cure for $25 Courier fee was not provided.   Reviewer Comment (2018-02-01): Updated same service provider


Buyer Comment (2018-01-28): Borrower selected own title company
 02/01/2018       1 [Redacted] WI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202801957 [Redacted] [Redacted] 5294639 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) Cure for Electronic Delivery Fee of $10 exceeding 0% tolerance was not provided.   Reviewer Comment (2018-02-01): Updated same service provider


Buyer Comment (2018-01-28): Borrower selected own title company
 02/01/2018       1 [Redacted] WI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202801958 [Redacted] [Redacted] 5296127 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801958 [Redacted] [Redacted] 5307733 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $500.   Reviewer Comment (2018-01-29): cleared with compliance re-run


Buyer Comment (2018-01-26): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to xxx, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.


Buyer Comment (2018-01-26): this is a purchase borrower chose their own attorney
 01/29/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202801958 [Redacted] [Redacted] 5307734 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-29): Rec'd seller's CD.
 01/29/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202801958 [Redacted] [Redacted] 5307735 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77187) Fee not disclosed on LE.   Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is included in 0% tolerance testing.   Reviewer Comment (2018-01-29): cleared with compliance re-run


Buyer Comment (2018-01-26): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to xxx, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.
 01/29/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202801958 [Redacted] [Redacted] 5307738 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) Fee not disclosed on LE.   Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is included in 0% tolerance testing.   Reviewer Comment (2018-01-29): cleared with compliance re-run


Buyer Comment (2018-01-26): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to xxx, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.
 01/29/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202801958 [Redacted] [Redacted] 5436424 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure   B   B   B   B   B Non QM Non QM Yes C B
202801959 [Redacted] [Redacted] 5298772 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $640.00 exceeds tolerance of $540.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           01/11/2018   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202801959 [Redacted] [Redacted] 5298773 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $540.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)           01/11/2018   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202801959 [Redacted] [Redacted] 5354140 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Within 10 days of closing   Reviewer Comment (2018-01-22): CPA letter in file dated xx/xx/xxxx
 01/22/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202801960 [Redacted] [Redacted] 5300818 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Final CD reflects closing date of xx/xx/xxxx.  Loan was consummated on xx/xx/xxxx.             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801960 [Redacted] [Redacted] 5301014 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Calculated investor qualifying housing ratio of 47.60595% exceeds Guideline housing ratio of 45.00000%. Lender exception in file with compensating factors of assets at 32.67% down payment, LTV is less than max allowed (67.429%), reserves, residual income, stable employment history. 67.429% LTV < 90.00% guideline max -  more equity than required by program guidelines Reviewer Comment (2018-01-16): Lender exception in file with compensating factors of assets at 32.67% down payment, LTV is less than max allowed (67.429%), reserves, residual income, stable employment history.
       01/16/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202801960 [Redacted] [Redacted] 5301153 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller's CD reflects $44,268.69 in seller paid fees.  Consumer's Final CD reflects $25,800.69 in seller paid fees.   Reviewer Comment (2018-01-31): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2018-01-29): Please upload PCCD
     01/31/2018   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202801960 [Redacted] [Redacted] 5303198 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Payoff Statement Fee.  Fee Amount of $20.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (77132)           01/11/2018   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202801960 [Redacted] [Redacted] 5321428 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-01-29): Received ClearCapital Post Disaster Inspection dated xx/xx/xxxx.
 01/29/2018       1 [Redacted] CA Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202801961 [Redacted] [Redacted] 5295923 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-24): Received
 01/24/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202801961 [Redacted] [Redacted] 5299504 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-24): removed HOA fees from calculation
 01/24/2018       1 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C A
202801961 [Redacted] [Redacted] 5354188 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Within 10 days of closing   Reviewer Comment (2018-01-24): Received Sunbiz printout dated xx/xx/xxxx
 01/24/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202801962 [Redacted] [Redacted] 5295025 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx)               2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801962 [Redacted] [Redacted] 5295026 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosure reflects TIP of  %, but calculated TIP is 119.930 which is outside of .03% tolerance.  Used Index value of 1.88%.             2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801962 [Redacted] [Redacted] 5295029 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx)               2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801962 [Redacted] [Redacted] 5350601 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Within 10 days of closing   Reviewer Comment (2018-01-30): Received internet search dated xx/xx/xxxx.
 01/30/2018       1 [Redacted] NV Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801962 [Redacted] [Redacted] 5350947 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   Missing VVOE/Third party verification dated within 10 days of closing for xxxx   Reviewer Comment (2018-01-30): N/A


Buyer Comment (2018-01-28): Income Not used to qualify borrower
 01/30/2018       1 [Redacted] NV Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801963 [Redacted] [Redacted] 5296611 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801963 [Redacted] [Redacted] 5296680 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Borrower's CD does not reflect $3,696 transfer tax or $228.50 recording fees.   Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202801964 [Redacted] [Redacted] 5304187 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order appraisal review at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202801964 [Redacted] [Redacted] 5304289 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final CD reflects $0.00 by which total closing costs exceeded the legal limit.   Reviewer Comment (2018-02-08): Reran Compliance
 02/08/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202801964 [Redacted] [Redacted] 5304294 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Irregular Transactions TILA-RESPA Integrated Disclosure - Interim Closing Disclosure containing a change in APR, loan product or addition of prepayment penalty was not received by borrower at least three (3) business days prior to consummation. CD issued on xx/xx/xxxx was not executed by borrower and therefore is presumed received on xx/xx/xxxx, which is not at least three business days prior to closing.   Reviewer Comment (2018-02-14): Received proof of receipt


Reviewer Comment (2018-02-13): Rec'd xx/xx/xxxx CD.  Missing evidence it was received by borrower at least three (3) business days prior to consummation.


Reviewer Comment (2018-02-08): Missing Closing Disclosure to go with Change of Circumstance dated xx/xx/xxxx. As per Tracking tool in file there was an updated CD dated xx/xx/xxxx.


Reviewer Comment (2018-02-06): Rec'd a screenshot showing borrowers viewed "edisclosures" xx/xx/xxxx.  The screenshot has blacked out data and does not identify what disclosures were sent and viewed.
 02/14/2018       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C A
202801964 [Redacted] [Redacted] 5304297 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $30.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) Fee is not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-02-08): Reran Compliance
 02/08/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202801964 [Redacted] [Redacted] 5304298 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Disclosure is not dated.  Borrowers executed on xx/xx/xxxx, which greater than three days from application date of xx/xx/xxxx.   Reviewer Comment (2018-02-06): Rec'd screenshot showing ARM Disclosure sent xx/xx/xxxx.
 02/06/2018       1 [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C A
202801964 [Redacted] [Redacted] 5304778 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): rec'd e-consent
 02/06/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202801965 [Redacted] [Redacted] 5304552 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-08): Corrected PC CD provided -xx/xx/xxxx
 02/08/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202801965 [Redacted] [Redacted] 5304555 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801965 [Redacted] [Redacted] 5304556 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-08): Corrected PC CD provided -xx/xx/xxxx
 02/08/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202801965 [Redacted] [Redacted] 5304557 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller Closing disclosures provides total closing costs of $144,055.58. Final consumer Closing Disclosure itemizes $147911.98 in seller-paid fees.             2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202801965 [Redacted] [Redacted] 5307965 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Provided for on disclosure tracking. Actual consent not provided in file.             2 [Redacted] TX Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202801965 [Redacted] [Redacted] 5307966 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Commitment Fee.  Fee Amount of $3.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77170) Fee not disclosed on Loan Estimate.   Reviewer Comment (2018-02-08): Corrected PC CD provided -xx/xx/xxxx


Buyer Comment (2018-01-28): Borrower selected their own provider
 02/08/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202801965 [Redacted] [Redacted] 5307967 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $6.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) Fee not disclosed on Loan Estimate.   Reviewer Comment (2018-02-01): Updated same service provider


Buyer Comment (2018-01-28): Borrower selected their own provider
 02/01/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202801966 [Redacted] [Redacted] 5306295 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Missing Broker's contact name.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202801966 [Redacted] [Redacted] 5306296 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $9.   Reviewer Comment (2018-02-10): Rec'd PC CD correcting Title - E-Recording fee payee, LOE, and evidence of emailing.
     02/10/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202801966 [Redacted] [Redacted] 5306298 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) Fee not disclosed on LE.    Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is included in 0% tolerance testing.   Reviewer Comment (2018-02-10): Rec'd PC CD correcting Title - E-Recording fee payee, LOE, and evidence of emailing.
     02/10/2018   2 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202801966 [Redacted] [Redacted] 5306393 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202801966 [Redacted] [Redacted] 5306463 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI does exceed 45% but meets exception policy based on compensaing factors of credit score and LTV. 52.26% LTV < 85% guideline max

731 representative FICO score > 660 guideline minimum

0x30x40 mortgage history		 Reviewer Comment (2018-01-16): Borrower meets Lender's exception policy.
       01/16/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202801966 [Redacted] [Redacted] 5321649 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Residual income discrepancy. Calculated disposable income of ___ is less than Guideline required disposable income of ___. Residual income is less than $3,000 minimum requirement but meets exception policy based on compensaing factors of credit score and LTV. 52.26% LTV < 85% guideline max

731 representative FICO score > 660 guideline minimum

0x30x40 mortgage history		 Reviewer Comment (2018-01-16): Borrower meets Lender's exception policy.
       01/16/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202801966 [Redacted] [Redacted] 5322042 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $3,139.84 property taxes POC were not reflected on borrower's CD.   Reviewer Comment (2018-02-10): Rec'd PC CD correcting Title - E-Recording fee payee, LOE, and evidence of emailing.
     02/10/2018   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202802012 [Redacted] [Redacted] 5302768 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202802012 [Redacted] [Redacted] 5305711 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index used from rate lock sheet. Reason for variance is not evident.             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Non QM Yes C B
202802012 [Redacted] [Redacted] 5354295 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx For Sole proprietorship / Self Employment, within 10 days of closing.   Reviewer Comment (2018-01-26): Received Amended Data tape changing to Non-QM -Sole Proprietorship, Negative Income counted against borrower
 01/26/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202802012 [Redacted] [Redacted] 5354314 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).     Reviewer Comment (2018-01-26): Received Amended Data tape changing to Non-QM
 01/26/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202802012 [Redacted] [Redacted] 5354315 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM.     Reviewer Comment (2018-01-26): Received Amended Data tape changing to Non-QM
 01/26/2018       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Non QM Yes C B
202802012 [Redacted] [Redacted] 5423987 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Check Restated Loan Designation Match - General Ability to Repay Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.               2 [Redacted] CA Primary Purchase     B   B   B   B   B Higher Priced QM Non QM Yes C B
202802013 [Redacted] [Redacted] 5303308 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] AZ Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202802013 [Redacted] [Redacted] 5303761 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx)               2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202802013 [Redacted] [Redacted] 5331900 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Credit Risk Summary & Exception Approval in file, page 374. Borr has been living with brother so no verifiable housing pay history. Compensating Factors: 1) Credit Score. 2) DTI. 3) LTV. 4) Residual Income. 36.27% DTI on this Full documentation loan < 45% guideline max - 8.73% below program guideline maximum

Borrower on this Alternative documentation loan has a disposable income of $11,994.24

766 representative FICO score > 720 guideline minimum - 46 points above guideline minimum		 Reviewer Comment (2018-01-17): Compensating Factors: 1) Credit Score. 2) DTI. 3) LTV. 4) Residual Income.
       01/17/2018 2 [Redacted] AZ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202802013 [Redacted] [Redacted] 5331908 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Issue:  Insufficient tradelines per credit guidelines   Credit Risk Summary & Exception Approval in file, page 374. Credit: Tradeline requirements not met. Compensating Factors: 1) Credit Score. 2) DTI. 3) LTV. 4) Residual Income. 36.27% DTI on this Full documentation loan < 45% guideline max - 8.73% below program guideline maximum

Borrower on this Alternative documentation loan has a disposable income of $11,994.24

766 representative FICO score > 720 guideline minimum - 46 points above guideline minimum		 Reviewer Comment (2018-01-17): Compensating Factors: 1) Credit Score. 2) DTI. 3) LTV. 4) Residual Income.
       01/17/2018 2 [Redacted] AZ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202802013 [Redacted] [Redacted] 5332742 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) xxxxxx             2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202802014 [Redacted] [Redacted] 5300131 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] NC Investment Purchase   C A C A C A C A C A N/A N/A No C A
202802016 [Redacted] [Redacted] 5299482 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order appraisal review at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] UT Investment Purchase   C A C A C A C A C A N/A   No C B
202802016 [Redacted] [Redacted] 5299485 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: xx/xx/xxxx   Compensating Factors: LTV and Reserves. Reviewer Comment (2018-01-22): Received Credit Risk Summary & Exception Approval. Property sq ft < minimum allowed. Compensating Factors: 1) LTV. 2) Reserves.
       01/22/2018 2 [Redacted] UT Investment Purchase   C B C B C B C B C B N/A   No C B
202802017 [Redacted] [Redacted] 5302539 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202802017 [Redacted] [Redacted] 5302624 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Amount Financed TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. (Final/xx/xx/xxxx) CD reflects $428,995.23, calculates to be $435,449.47.   Reviewer Comment (2018-02-26): Received MOD correcting margin as a result of selecting the wrong index, delivery, PCCD, and RTC
     02/26/2018   2 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202802017 [Redacted] [Redacted] 5302627 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx) Underdisclosed $6,454.24.   Reviewer Comment (2018-02-26): Received MOD correcting margin as a result of selecting the wrong index, delivery, PCCD, and RTC
     02/26/2018   2 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202802017 [Redacted] [Redacted] 5302628 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) CD reflects 146.051%, calculates to be 148.321%.  1.828% Index used in calculations. (minimum in lookback period)  Lender used 1.791% per Broker Lock Confirmation.   Reviewer Comment (2018-02-26): Received MOD correcting margin as a result of selecting the wrong index, delivery, PCCD, and RTC
     02/26/2018   2 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202802017 [Redacted] [Redacted] 5302629 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total of Payments that does not match the actual total of payments for the loan. (Final/xx/xx/xxxx) CD reflects $722,085.23, calculates to be $728,714.47.   Reviewer Comment (2018-02-26): Received MOD correcting margin as a result of selecting the wrong index, delivery, PCCD, and RTC
     02/26/2018   2 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202802018 [Redacted] [Redacted] 5303774 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Home Warranty fee in section C should be reflected in section H.   Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] TX Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202802018 [Redacted] [Redacted] 5304014 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202802018 [Redacted] [Redacted] 5305834 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $295.63.   Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202802018 [Redacted] [Redacted] 5305835 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Warranty.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77127) Fee disclosed as $500 in section H on LE and as $25 in section C on Final CD.   Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.


Buyer Comment (2018-01-26): fee moved to correct section- .    Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance
     01/29/2018   2 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202802018 [Redacted] [Redacted] 5325810 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $270.63 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77187) Fee disclosed as $450 Survey Fee on LE and as $270.63 Title - Survey Fee on Final CD.   Reviewer Comment (2018-01-29): reran Compliance


Buyer Comment (2018-01-26): .    Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance
 01/29/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202802019 [Redacted] [Redacted] 5301721 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] OR Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202802019 [Redacted] [Redacted] 5301746 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77179) Fee charged on final Closing Disclosure not disclosed on Loan Estimate.   Reviewer Comment (2018-01-29): Cleared with compliance re-run.


Buyer Comment (2018-01-26): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance
 01/29/2018       1 [Redacted] OR Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202802019 [Redacted] [Redacted] 5301747 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee charged on final Closing Disclosure not disclosed on Loan Estimate.   Reviewer Comment (2018-01-29): Cleared with compliance re-run.


Buyer Comment (2018-01-26): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance
 01/29/2018       1 [Redacted] OR Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202802019 [Redacted] [Redacted] 5301748 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Signing Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77184) Fee charged on final Closing Disclosure not disclosed on Loan Estimate.   Reviewer Comment (2018-01-29): Cleared with compliance re-run.


Buyer Comment (2018-01-26): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance
 01/29/2018       1 [Redacted] OR Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202802019 [Redacted] [Redacted] 5301751 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing   Reviewer Comment (2018-01-26): Received
 01/26/2018       1 [Redacted] OR Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202802019 [Redacted] [Redacted] 5301762 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Missing information   Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202802019 [Redacted] [Redacted] 5301767 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Missing   Reviewer Comment (2018-01-29): Rec'd seller's CD
 01/29/2018       1 [Redacted] OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202802019 [Redacted] [Redacted] 5301770 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.


Buyer Comment (2018-01-26): closing date on cd is xx/xx  consummation date is xx/xx
     01/29/2018   1 [Redacted] OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202802019 [Redacted] [Redacted] 5301773 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-29): Cleared with compliance re-run.
 01/29/2018       1 [Redacted] OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202802019 [Redacted] [Redacted] 5303428 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.               2 [Redacted] OR Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202802019 [Redacted] [Redacted] 5436807 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure   B   B   B   B   B Non QM Non QM Yes C B
202802020 [Redacted] [Redacted] 5302328 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202802020 [Redacted] [Redacted] 5303460 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Loan amounts less than $75,000 are not permitted according to the guidelines   Credit Risk Summary & Exception Approval, pg 219. Loan amount less than minimum allowed by program. DSCR 55% < max of 90% Reviewer Comment (2018-01-26): Received Credit Risk Summary & Exception approval xx/xx/xxxx with comp factors


Reviewer Comment (2018-01-11): Exception approved by lender.
       01/26/2018 2 [Redacted] GA Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202802021 [Redacted] [Redacted] 5307128 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx) Final CD reflects finance charge of $207,288.25.  Calculated finance charge is $207,834.27.  Variance is due to $546.02 Lease Fee reflected on Section H of Final CD.   Reviewer Comment (2018-02-13): Updated input


Buyer Comment (2018-02-06): the lease fee is not an APR fee please clear this condition it incorrect
 02/13/2018       1 [Redacted] FL Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C A
202802021 [Redacted] [Redacted] 5307130 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final CD reflects $110 by which total closing costs exceeded the legal limit.  Appears it should be $194.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen
 02/21/2018       1 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202802021 [Redacted] [Redacted] 5307134 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7727) Fee is not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-02-08): Updated paid to provider
 02/08/2018       1 [Redacted] FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202802021 [Redacted] [Redacted] 5307164 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order appraisal review at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C A
202802021 [Redacted] [Redacted] 5327928 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen


Reviewer Comment (2018-02-08): Received COC for addition of $9.00 fee, no details as to why or when title company notified lender
 02/21/2018       1 [Redacted] FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202802021 [Redacted] [Redacted] 5653967 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $595.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) received Attestation letter surrounding fees and provider chosen         02/21/2018   1 [Redacted] FL Second Home Purchase Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C A
202802022 [Redacted] [Redacted] 5303302 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202802022 [Redacted] [Redacted] 5303357 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-24): Rec'd flood cert.
 01/24/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202802022 [Redacted] [Redacted] 5303641 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index value used from rate lock. Reason for variance is not evident.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202802022 [Redacted] [Redacted] 5305688 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-24): rec'd e-consent
 01/24/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202802022 [Redacted] [Redacted] 5305689 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202802023 [Redacted] [Redacted] 5306477 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-07): rec'd e-consent
 02/07/2018       1 [Redacted] VA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202802023 [Redacted] [Redacted] 5309130 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] VA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202802023 [Redacted] [Redacted] 5309227 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final CD reflects $15.00 by which total closing costs exceeded the legal limit.  Should be $30.00.   Reviewer Comment (2018-02-01): Updated same service provider
 02/01/2018       1 [Redacted] VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202802023 [Redacted] [Redacted] 5328311 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. FACTA provided does not have borrowers' names, date or credit scores reflected.             2 [Redacted] VA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202802023 [Redacted] [Redacted] 5328389 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $15.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77190) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-02-01): Updated same service provider
 02/01/2018       1 [Redacted] VA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202802023 [Redacted] [Redacted] 5477346 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $615.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           02/01/2018   1 [Redacted] VA Primary Purchase Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C B
202802024 [Redacted] [Redacted] 5303019 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NC Investment Purchase   C A C A C A C A C A N/A N/A No C B
202802024 [Redacted] [Redacted] 5304032 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Issue:  Insufficient tradelines per credit guidelines   Credit Risk Summary & Exception Approval in file, page 194. Tradeline requirements not met. Compensating Factors: 1) DTI. 2) Stable Employment History. Borrower has job stability for 12 years as self-employed.

DTI - Front End DTI below 5%		 Reviewer Comment (2018-01-17): Compensating Factors: 1) DTI. 2) Stable Employment History.
       01/17/2018 2 [Redacted] NC Investment Purchase   C B C B C B C B C B N/A N/A No C B
202802025 [Redacted] [Redacted] 5308809 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202802025 [Redacted] [Redacted] 5308839 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-24): Received
 01/24/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202802025 [Redacted] [Redacted] 5308840 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202802025 [Redacted] [Redacted] 5308841 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202802027 [Redacted] [Redacted] 5306789 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202802027 [Redacted] [Redacted] 5307152 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. E-sign Consent Agreement not provided.   Reviewer Comment (2018-02-06): rec'd e-consent
 02/06/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202802027 [Redacted] [Redacted] 5307154 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-02-09): Received LOE and PC CD
     02/09/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202802027 [Redacted] [Redacted] 5308556 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-09): Updated index
 02/09/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202802027 [Redacted] [Redacted] 5329612 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $328.00 tolerance.   Reviewer Comment (2018-02-09): Updated paid to
 02/09/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202802027 [Redacted] [Redacted] 5329613 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Digital Storage Fee.  Fee Amount of $12.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Initial and Final Closing Disclosures.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for $12.50 tolerance.   Reviewer Comment (2018-02-09): Updated paid to
 02/09/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202802027 [Redacted] [Redacted] 5329614 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $60.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Initial and Final Closing Disclosures.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for $60.00 tolerance.   Reviewer Comment (2018-02-09): Updated paid to provider
 02/09/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202802027 [Redacted] [Redacted] 5329615 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $255.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Initial and Final Closing Disclosures.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for $255.50 tolerance.   Reviewer Comment (2018-02-01): Updated same service provider
 02/01/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202802028 [Redacted] [Redacted] 5303636 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202802029 [Redacted] [Redacted] 5306419 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CO Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C B
202802029 [Redacted] [Redacted] 5348923 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: xx/xx/xxxx   Compensating Factors: LTV and Reserves Reviewer Comment (2018-01-22): Received Credit Risk Summary & Exception Approval. Property Guideline Issue: Square footage under 1,200 ft now allowed per guidelines. Compensating Factors: 1) LTV. 2) Reserves.
       01/22/2018 2 [Redacted] CO Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202802030 [Redacted] [Redacted] 5309942 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202802030 [Redacted] [Redacted] 5310008 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-22): Received
 01/22/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202802030 [Redacted] [Redacted] 5310115 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.86330% or Final Disclosure APR of 6.89600% is in excess of allowable threshold of APOR 4.01% + 1.5%, or 5.51000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-26): Updated input
 02/26/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202802030 [Redacted] [Redacted] 5310116 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2018-02-26): Updated input
 02/26/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202802030 [Redacted] [Redacted] 5321960 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xx/xx/xxxx) Valuation Received Date xx/xx/xxxx < xx/xx/xxxx Valuation Report Date             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Higher Priced QM Non QM No C B
202802030 [Redacted] [Redacted] 5322498 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Fail.     Reviewer Comment (2018-02-27): Received updated tape designation
 02/27/2018       1 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Non QM Yes C B
202802030 [Redacted] [Redacted] 5322499 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. 46.29573% QM DTI > 43%   Reviewer Comment (2018-02-27): Received updated tape designation
 02/27/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202802030 [Redacted] [Redacted] 5327507 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).     Reviewer Comment (2018-02-27): Received updated tape designation


Reviewer Comment (2018-02-15): Received Credit Risk to wave DTI and P&L documentation, however, this is a HPQM and falls under Appendix Q, DTI cannot exceed 43%, all income whether positive or negative must have Appendix Q required documentation.
 02/27/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202802030 [Redacted] [Redacted] 5710088 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Received updated tape designation   Reviewer Comment (2018-02-28): Updated with data tape
 02/28/2018       1 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status   A   A   A   A   A Higher Priced QM Non QM Yes C B
202802030 [Redacted] [Redacted] 5722849 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Check Restated Loan Designation Match - General Ability to Repay Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Updated with data tape             2 [Redacted] FL Primary Purchase     B   B   B   B   B Higher Priced QM Non QM Yes C B
202802031 [Redacted] [Redacted] 5309748 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202802031 [Redacted] [Redacted] 5310066 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-26): Cleared
 01/26/2018       1 [Redacted] SC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202802031 [Redacted] [Redacted] 5310067 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202802031 [Redacted] [Redacted] 5335224 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $3,069.81 in total closing costs paid by Seller per Seller's CD not reflected on Consumer's CD.   Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] SC Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202802032 [Redacted] [Redacted] 5307791 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202802032 [Redacted] [Redacted] 5307908 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202802032 [Redacted] [Redacted] 5307910 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
     01/29/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202802032 [Redacted] [Redacted] 5307913 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.     Reviewer Comment (2018-01-29): Received


Reviewer Comment (2018-01-22): A copy of the document is required for the loan file.
 01/29/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202802032 [Redacted] [Redacted] 5309011 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx)     Reviewer Comment (2018-01-29): Lender attestation and screen shot of e-delivery on xx/xx/xxxx for initial CD provided in trailing docs.  Timing exception cleared.


Reviewer Comment (2018-01-29): Sent for compliance review - (CHD-5665).
 01/29/2018       1 [Redacted] GA Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202802033 [Redacted] [Redacted] 5309653 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202802033 [Redacted] [Redacted] 5334124 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx)     Reviewer Comment (2018-02-01): rec'd e-consent
 02/01/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202802034 [Redacted] [Redacted] 5325395 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   xxxxxx Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-19): Credit Risk Summary & Exception approval p2 u/s
       01/19/2018 2 [Redacted] CA Investment Purchase   C B C B C B C B C B N/A N/A No C B
202802034 [Redacted] [Redacted] 5325994 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Ineligible property type. ___ 16.39% (20 of 122 units) HOA Delinquency > HOA Delinquency 15% maximum of total units.  Per Condo Questionnaire, 12 units > 30 days and 8 > 60 days delinquent HOA dues.  Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: DTI and Residual income. Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-19): Credit Risk Summary & Exception approval  p2 u/s
       01/19/2018 2 [Redacted] CA Investment Purchase   C B C B C B C B C B N/A N/A No C B
202802034 [Redacted] [Redacted] 5326021 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing 12 month VOM for loans secured by xxxx   Reviewer Comment (2018-02-08): New loan, first payment date xx/xx/xxxx


Reviewer Comment (2018-01-30): Nothing rec'd.
 02/08/2018       1 [Redacted] CA Investment Purchase   C A C A C A C A C A N/A N/A No C B
202802034 [Redacted] [Redacted] 5326177 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Missing xxxxl YTD Pay Stub issued to Borrower Guideline variance approved by lender at time of origination

DTI, residual income		 Reviewer Comment (2018-01-30): Rec'd exception for:  alternative income calculation used, file does not contain paystubs.


Buyer Comment (2018-01-27): Borrower is Self employed income average of W-2's supported by tax returns.
       01/30/2018 2 [Redacted] CA Investment Purchase   C B C B C B C B C B N/A N/A No C B
202802034 [Redacted] [Redacted] 5326230 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Investment Purchase   C A C A C A C A C A N/A N/A No C B
202802035 [Redacted] [Redacted] 5308775 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202802035 [Redacted] [Redacted] 5309064 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-01): Non-Finance Charge
 02/01/2018       1 [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202802035 [Redacted] [Redacted] 5309283 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval, pg 315. Reserves: requirements not met. Compensating factors: 1) Residual Income 2) Stable Employment History Residual income of $3798 exceeds guideline requirements of $2000

Borrower has been on the same job for 5 years.		 Reviewer Comment (2018-01-12): Lender approved exception.
       01/12/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202804793 [Redacted] [Redacted] 5308194 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A   No C A
202804794 [Redacted] [Redacted] 5310186 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TN Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202804794 [Redacted] [Redacted] 5320207 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-30): Rec'd LOE, copy of disclosure and  evidence of emailing.
 01/30/2018       1 [Redacted] TN Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202804794 [Redacted] [Redacted] 5320209 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] TN Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202804794 [Redacted] [Redacted] 5321362 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $465.00.  Insufficient or no cure was provided to the borrower. (7506) Final Closing Disclosure discloses a $260.00 Lender credit for $260.00 Appraisal Fee tolerance.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] TN Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202804794 [Redacted] [Redacted] 5336390 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $60.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Initial and Final Closing Disclosure.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for $60.00 tolerance.   Reviewer Comment (2018-02-01): Updated input for Paid to same provider
 02/01/2018       1 [Redacted] TN Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804794 [Redacted] [Redacted] 5336391 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $140.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7725) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Initial and Final Closing Disclosure.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for $140.00 tolerance.   Reviewer Comment (2018-02-01): Updated input for Paid to same provider
 02/01/2018       1 [Redacted] TN Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804794 [Redacted] [Redacted] 5336392 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Initial and Final Closing Disclosure.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for $25.00  tolerance.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] TN Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202804794 [Redacted] [Redacted] 5336412 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure discloses a $260.00 Lender credit for $260.00 Appraisal Fee tolerance. Final Closing Disclosure does not reflect a Lender credit for additional $140.00, $60.00, $25.00 and $15.00 tolerance amounts.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] TN Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202804794 [Redacted] [Redacted] 5336437 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $15.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Initial and Final Closing Disclosure.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for $15.00 tolerance.   Reviewer Comment (2018-02-01): Updated input for Paid to same provider
 02/01/2018       1 [Redacted] TN Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804795 [Redacted] [Redacted] 5316973 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-26): Received
 01/26/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202804795 [Redacted] [Redacted] 5316974 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Disclosed Closing Disclosure Date xx/xx/xxxx <> xx/xx/xxxx Closing Date.  Note, Mortgage and Final Closing Disclosure dated xx/xx/xxxx acknowledged by Borrower on xx/xx/xxxx             2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202804795 [Redacted] [Redacted] 5316975 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202804795 [Redacted] [Redacted] 5316976 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $56.00 tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202804795 [Redacted] [Redacted] 5316978 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Guaranty Fee.  Fee Amount of $3.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on initial and final Closing Disclosures.   Valid Change of Circumstance not in file. Final Closing Disclosure does not reflect a Lender credit for $3.00 tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter


Reviewer Comment (2018-02-14): Letter provided is not acceptable


Buyer Comment (2018-01-26): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.
 02/23/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804795 [Redacted] [Redacted] 5316979 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $35.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on initial and final Closing Disclosures.   Valid Change of Circumstance not in file. Final Closing Disclosure does not reflect a Lender credit for $35.00 tolerance.   Reviewer Comment (2018-01-30): Updated same service provider


Buyer Comment (2018-01-26): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.
 01/30/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804795 [Redacted] [Redacted] 5317278 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xx/xx/xxxx)               2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202804795 [Redacted] [Redacted] 5341944 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $18.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on initial and final Closing Disclosures.   Valid Change of Circumstance not in file. Final Closing Disclosure does not reflect a Lender credit for $18.00 tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter


Reviewer Comment (2018-02-14): Letter provided is not acceptable


Reviewer Comment (2018-02-08): Please see email sent


Buyer Comment (2018-01-26): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.
 02/23/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804796 [Redacted] [Redacted] 5316027 [Redacted] [Redacted] Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Missing initial 1003 executed by Borrower.  Loan file contains only final 1003 signed at closing.             2 [Redacted] TN Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202804796 [Redacted] [Redacted] 5316206 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] TN Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202804796 [Redacted] [Redacted] 5316210 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.


Buyer Comment (2018-02-08): disregard PCCD supplied


Buyer Comment (2018-02-07): this is not a brokered loan please clear
     02/10/2018   2 [Redacted] TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202804796 [Redacted] [Redacted] 5316217 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202804796 [Redacted] [Redacted] 5340262 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing final signed closing statement confirming sale of xxxxxxx   Reviewer Comment (2018-02-06): Rec'd seller's CD.
 02/06/2018       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202804796 [Redacted] [Redacted] 5340604 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $360,986.08 < $396,582.15   Reviewer Comment (2018-02-10): Funds wired from xxxxx to closing agent.
 02/10/2018       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202804796 [Redacted] [Redacted] 5340733 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $70.00 < $320.00  Final Closing Disclosure discloses a $70.00.00 Lender credit for $70.00 Appraisal fee tolerance.  Final Closing Disclosure does not reflect a Lender credit for $250.00 Title - Document Handling fee tolerance.   Reviewer Comment (2018-02-09): Updated same service provider


Buyer Comment (2018-02-07): erroneous please clear
 02/09/2018       1 [Redacted] TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202804796 [Redacted] [Redacted] 5340734 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,500.00 exceeds tolerance of $1,430.00.  Insufficient or no cure was provided to the borrower. (7506) Final Closing Disclosure discloses a $70.00 Lender credit for tolerance.   Reviewer Comment (2018-02-09): Updated same service provider


Buyer Comment (2018-02-07): erroneous please clear condition
 02/09/2018       1 [Redacted] TN Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804796 [Redacted] [Redacted] 5340735 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7725) $250.00 Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Final Closing Disclosure discloses a $70.00.00 Lender credit for $70.00 Appraisal fee tolerance.  Final Closing Disclosure does not reflect a Lender credit for $250.00 Title - Document Handling fee tolerance.   Reviewer Comment (2018-02-09): Updated same service provider


Buyer Comment (2018-02-07): this is a purchase transaction borrower chose the closing agent
 02/09/2018       1 [Redacted] TN Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804796 [Redacted] [Redacted] 5340770 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $1,503.20 in closing costs paid by Seller at closing per Consumer's CD not disclosed on Seller's CD             2 [Redacted] TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202804796 [Redacted] [Redacted] 5543324 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,500.00 exceeds tolerance of $1,430.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Updated same service provider         02/09/2018   1 [Redacted] TN Primary Purchase Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C B
202804797 [Redacted] [Redacted] 5310691 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-24): received
 01/24/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202804797 [Redacted] [Redacted] 5311147 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Max payment shock allowed of 250% and borrower's payment shock is 299%. Borrower on this Full documentation loan has a disposable income of $7422.00

Borrower has job stability for 9+ years as a xxx.		 Reviewer Comment (2018-01-24): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       01/24/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202804797 [Redacted] [Redacted] 5312196 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Evidence was not provided to support borrower's consent to received electronic disclosures.   Reviewer Comment (2018-01-24): Received
 01/24/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202804797 [Redacted] [Redacted] 5312226 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202804797 [Redacted] [Redacted] 5331126 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202804797 [Redacted] [Redacted] 5331219 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. **Lender Exception on page 219/5997 for Credit score of 677 does not meet minimum requirement of 680 for LTV of 90%. Lender compensating factors of credit history, reserves of 13 months, residual income of $7422 and stable employment history of 9 years on current job were used for Approval. Borrower on this Full documentation loan has a disposable income of $7422.00

Borrower has job stability for 9+ years as a xxx.		 Reviewer Comment (2018-01-19): Credit Risk Summary & Exception approval  p2 u/s
       01/19/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202804798 [Redacted] [Redacted] 5320873 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] AL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202804798 [Redacted] [Redacted] 5321151 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy.   DTI variance is due to missing Closing Disclosure for omission of 4429 Vandiver Place and missing verification of rental income for 1149 18th Ave S causing the total debt ratio increase to 72.98%. Maximum DTI is 50% per guidelines.   Reviewer Comment (2018-02-14): Updated rental information based on tax returns.
 02/14/2018       1 [Redacted] AL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202804799 [Redacted] [Redacted] 5314311 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary appraisal product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] WA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202804799 [Redacted] [Redacted] 5316447 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Final CD reflects closing date of xx/xx/xxxx.  Loan was consummated on xx/xx/xxxx.   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD and evidence of emailing.
     01/22/2018   1 [Redacted] WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202804799 [Redacted] [Redacted] 5316448 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains a Demand Feature. (Final/xx/xx/xxxx) Final CD, page 4, Loan Disclosures section, is not completed.   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD and evidence of emailing.
     01/22/2018   2 [Redacted] WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202804799 [Redacted] [Redacted] 5316449 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Negative Amortization TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains Negative Amortization. (Final/xx/xx/xxxx) Final CD, page 4, Loan Disclosures section, is not completed.   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD and evidence of emailing.
     01/22/2018   2 [Redacted] WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202804799 [Redacted] [Redacted] 5316453 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Partial Payments TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xx/xx/xxxx) Final CD, page 4, Loan Disclosures section, is not completed.   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD and evidence of emailing.
     01/22/2018   2 [Redacted] WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202804799 [Redacted] [Redacted] 5316454 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Final CD reflects TIP of 146.674%.  Calculated TIP is 144.40200%.  Used Index Value of 1.873%, per Rate Lock in file.   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD and evidence of emailing.
     01/22/2018   2 [Redacted] WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202804799 [Redacted] [Redacted] 5316456 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller's CD reflects $14,037.58 in seller paid fees.  Consumer's Final CD reflects $14,347.15 in seller paid fees.   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD and evidence of emailing.
     01/22/2018   2 [Redacted] WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202804799 [Redacted] [Redacted] 5333929 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing copy of award letter or distributions forms, as required by guidelines.   Reviewer Comment (2018-01-29): Received


Buyer Comment (2018-01-24): the document came from xxxx and it is the Certificate of eligibility. xxxxxx.
 01/29/2018       1 [Redacted] WA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202804799 [Redacted] [Redacted] 5345920 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. Due to Lender paid Compensation. 33.645% DTI on this Full documentation loan < 45% guideline max Reviewer Comment (2018-01-22): Received Credit Risk Summary & Exception Approval. Loan Amount: Less than minimum allowed by program. Compensating Factors: 1) DTI. 2) Payment Shock.
       01/22/2018 2 [Redacted] WA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202804801 [Redacted] [Redacted] 5314513 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] OH Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202804801 [Redacted] [Redacted] 5314693 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-26): Received
 01/26/2018       1 [Redacted] OH Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202804801 [Redacted] [Redacted] 5316230 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202804801 [Redacted] [Redacted] 5328931 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $60.00 tolerance.   Reviewer Comment (2018-01-29): Reran Compliance


Buyer Comment (2018-01-26): .    Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance
 01/29/2018       1 [Redacted] OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202804801 [Redacted] [Redacted] 5328932 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $60.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on initial and final Closing Disclosure.  Change of Circumstance (p 693) does not specify fees(s) added to transaction.    Final Closing Disclosure does not reflect a Lender credit for $60.00 tolerance.   Reviewer Comment (2018-01-29): Reran Compliance


Buyer Comment (2018-01-26): .    Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance
 01/29/2018       1 [Redacted] OH Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804801 [Redacted] [Redacted] 5426574 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx)               2 [Redacted] OH Primary Purchase No Defined Cure   B   B   B   B   B Non QM Non QM No C B
202804802 [Redacted] [Redacted] 5308902 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuations at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A   No C A
202804804 [Redacted] [Redacted] 5309906 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A   No C A
202804806 [Redacted] [Redacted] 5314806 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C B
202804806 [Redacted] [Redacted] 5350081 [Redacted] [Redacted] Credit Small Balance Commercial General Small Balance Commercial Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: xx/xx/xxxx   Compensating Factors: Assets, Credit Score, Credit History, LTV, Reserves, Residual Income. Reviewer Comment (2018-01-22): Received Credit Risk Summary & Exception Approval. Property Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Compensating Factors: 1) Assets. 2) Credit Score. 3) Credit History. 4) LTV. 5) Reserves. 6: Residual Income.
       01/22/2018 2 [Redacted] FL Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202804807 [Redacted] [Redacted] 5315551 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-29): Received
 01/29/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202804807 [Redacted] [Redacted] 5316985 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.   29.566% DTI on this Full documentation loan < 45% guideline max

Borrower has employment stability for 20 years in the line of work.		 Reviewer Comment (2018-01-29): Received Credit Risk Summary & Exception Approval. Assets: Reserve requirements not met. Compensating Factors: 1) DTI. 2) Stable Employment History.
       01/29/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202804807 [Redacted] [Redacted] 5317133 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202804808 [Redacted] [Redacted] 5320018 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A   No C A
202804809 [Redacted] [Redacted] 5315589 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202804809 [Redacted] [Redacted] 5315709 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Final CD reflects TIP of 123.71600%.  Calculated TIP is 121.561%.  Used Index Value of 1.901%, as per Rate Lock in file.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202804809 [Redacted] [Redacted] 5315710 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final CD reflects $0.00 by which total closing costs exceeded the legal limit.   Reviewer Comment (2018-01-26): Title fees paid to same provider, no violation.
 01/26/2018       1 [Redacted] CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202804809 [Redacted] [Redacted] 5315711 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-01-26): Title fees paid to same provider, no violation.
 01/26/2018       1 [Redacted] CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804809 [Redacted] [Redacted] 5315712 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $20.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-01-26): Title fees paid to same provider, no violation.
 01/26/2018       1 [Redacted] CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804809 [Redacted] [Redacted] 5315713 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Loan Tie-In Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77176) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-01-26): Title fees paid to same provider, no violation.
 01/26/2018       1 [Redacted] CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804809 [Redacted] [Redacted] 5315714 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $20.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-01-26): Title fees paid to same provider, no violation.
 01/26/2018       1 [Redacted] CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804809 [Redacted] [Redacted] 5315715 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee.  Fee Amount of $65.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77185) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-01-26): Title fees paid to same provider, no violation.


Reviewer Comment (2018-01-22): Received an invalid Change of Circumstance dated xx/xx/xxxx. Cannot use "verified with closing agent".
 01/26/2018       1 [Redacted] CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804809 [Redacted] [Redacted] 5315717 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7725) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-01-26): Title fees paid to same provider, no violation.
 01/26/2018       1 [Redacted] CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804809 [Redacted] [Redacted] 5317502 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller's CD reflects $10,671.08 in seller paid fees.  Consumer's Final CD reflects $9,749 in seller paid fees.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] CA Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202804809 [Redacted] [Redacted] 5317569 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77183) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-01-26): Title fees paid to same provider, no violation.
 01/26/2018       1 [Redacted] CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202804810 [Redacted] [Redacted] 5315770 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent form not provided   Reviewer Comment (2018-01-22): Received
 01/22/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No B B
202804810 [Redacted] [Redacted] 5315773 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index value from rate lock used. Reason for variance not evident.   Reviewer Comment (2018-01-22): Rec'd LOE, corrected CD and evidence of emailing.
     01/22/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes B B
202810201 [Redacted] [Redacted] 5341047 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Meets guidelines
 02/04/2018       1 [Redacted] GA Investment Refinance - Rate/Term     A   A   A   A   A     No A A
202810202 [Redacted] [Redacted] 5341048 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] GA Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No A A
202810203 [Redacted] [Redacted] 5328513 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Security Instrument Error: Security Instrument Maturity Date  was not provided       Reviewer Comment (2018-01-31): Included on the updated note in trailing docs
 01/31/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A     No C A
202810203 [Redacted] [Redacted] 5328557 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Note Error: Maturity date is blank.       Reviewer Comment (2018-01-31): Included on the updated note in trailing docs
 01/31/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A     No C A
202810203 [Redacted] [Redacted] 5341010 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Matches guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other     A   A   A   A   A     No C A
202810204 [Redacted] [Redacted] 5341049 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other     A   A   A   A   A     No A A
202810205 [Redacted] [Redacted] 5341050 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No A A
202810206 [Redacted] [Redacted] 5341051 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No A A
202810207 [Redacted] [Redacted] 5341052 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No A A
202810208 [Redacted] [Redacted] 5341053 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No A A
202810209 [Redacted] [Redacted] 5341054 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No A A
202810210 [Redacted] [Redacted] 5341055 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No A A
202810211 [Redacted] [Redacted] 5341056 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No A A
202810212 [Redacted] [Redacted] 5341057 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No A A
202810213 [Redacted] [Redacted] 5341058 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202810213 [Redacted] [Redacted] 5343951 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of ___ does not match Calculated P&I of ___     Reviewer Comment (2018-02-01): Updated note included in trailing docs - maturity date corrected. P&I now matches.


Buyer Comment (2018-01-31): Please double check your P&I Payment calculations. The lower amount may be due to incorrect maturity date. Correct maturity is xx/xx/xxxx (not xx/xx/xxxx)
I have attached updated note for review
 02/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202810214 [Redacted] [Redacted] 5340326 [Redacted] [Redacted] Credit Fix and Flip General Fix and Flip Insufficient funds for Reserves.   Guidelines require post closing reserves equal to 6 months PITIA for the subject property and 2 months of the subject PITIA for all other financed REO.  There are 7 mortgages on the credit report.  The total requirement is based on 20 x the subject PITIA ($15,805.20). Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-05): Lender exception approval included in trailing documents.  Noted compensating factors:  Credit score more than 10 points above the minimum requirement and LTV is more than 5% below the max allowed.
       02/05/2018 2 [Redacted] NC Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202810214 [Redacted] [Redacted] 5341011 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] NC Investment Refinance - Cash-out - Other     A   A   A   A   A N/A   No C B
202810215 [Redacted] [Redacted] 5344378 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202810217 [Redacted] [Redacted] 5327377 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Loan Payoff Statement not provided       Reviewer Comment (2018-01-30): Included in trailing docs
 01/30/2018       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202810217 [Redacted] [Redacted] 5327531 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I       Reviewer Comment (2018-02-09): Lender provided corrected, executed note


Reviewer Comment (2018-01-30): Unable to clear - the corrected and re-executed Note reflects a P&I of $601.86 while the calculated P&I is $594.28.
 02/09/2018       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202810217 [Redacted] [Redacted] 5330661 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Corporate Resolution not provided   There are 4 owners/ members and the note was only signed by 2 of those individuals.  Need a document signed by all members confirming that the 2 signors on the note have the authorization to bind the entity without the signatures of the other members.   Reviewer Comment (2018-02-09): Exception cleared as the xx/xx/xxxx filing with the state is included in trailing docs and it confirms that the two members who signed the note on behalf of the entity are the only members as of 2016.


Reviewer Comment (2018-01-30): Unable to clear - only 2 of the 4 members signed.  Exception remains.


Buyer Comment (2018-01-29): Both members signed docs - corporate resolution not needed
 02/09/2018       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202810217 [Redacted] [Redacted] 5341012 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202810218 [Redacted] [Redacted] 5327535 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Loan Payoff Statement not provided       Reviewer Comment (2018-01-30): Included in trailing docs
 01/30/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810218 [Redacted] [Redacted] 5341013 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810218 [Redacted] [Redacted] 5344484 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Mid FICO score of 657 does not meet the minimum requirement of 660. Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-30): Lender exception approval received with noted compensating factors:  69 months reserves; 8 years experience, owns 13 properties, 6 loans with AOPB
       01/30/2018 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202810218 [Redacted] [Redacted] 5344507 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I       Reviewer Comment (2018-01-30): Exception cleared - a new note was executed with a corrected maturity date which results in the accurate PI calculation.
 01/30/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810219 [Redacted] [Redacted] 5327291 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Loan Payoff Statement not provided       Reviewer Comment (2018-02-08): Received Email regarding payoff is for 2 properties


Reviewer Comment (2018-02-01): Payoff included in trailing docs appears to be for a different loan with this borrower as HUD reflects a mortgage pay off around half the amount shown on the trailing doc
 02/08/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810219 [Redacted] [Redacted] 5330023 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of ___ does not match Calculated P&I of ___ Note error due to repayment terms.  Note should be 360 months amortization per approval   Reviewer Comment (2018-02-01): Executed/ corrected note with correct maturity date and P&I included in trailing docs
 02/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810219 [Redacted] [Redacted] 5330080 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Lender exception in file page 5 allowing credit score less than guidelines of 660. Exception also includes hazard insurance to be escrowed for additional 6 months to be disbursed prior to expiration of policy Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-04): Exception approval for FICO based on excessive reserves and 6 other loans with originator and 10 properties owned
       02/04/2018 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202810219 [Redacted] [Redacted] 5346892 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines


Buyer Comment (2018-01-31): Please disregard this exception form - thank you
 02/04/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810219 [Redacted] [Redacted] 5347135 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Mid FICO score of 657 does not meet the minimum requirement of 660. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-04): Exception approval for FICO based on excessive reserves and 6 other loans with originator and 10 properties owned
       02/04/2018 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202810220 [Redacted] [Redacted] 5334700 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower's FICO 657 < 660 minimum required per guideline requirements. Exception approval is in the loan file with no noted compensating factors. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-04): Exception approval for Credit score based on excessive reserves and 6 other loans with originator and owns over 10 properties
       02/04/2018 2 [Redacted] FL Investment Refinance - Cash-out - Other   C B C B C B C B C B N/A   No C B
202810220 [Redacted] [Redacted] 5347393 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C B
202810221 [Redacted] [Redacted] 5341014 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810221 [Redacted] [Redacted] 5347538 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of ___ does not match Calculated P&I of ___ Note disclosed maturity date of xxx, 372 months after note date however the payment was amortized over 360 months.   Reviewer Comment (2018-02-01): Executed/ corrected note with correct maturity date and P&I included in trailing docs
 02/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810221 [Redacted] [Redacted] 5347908 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower's FICO 657 < 660 minimum required per guideline requirements. Exception approval is in the loan file with no noted compensating factors. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-04): Exception approval for FICO based on excessive reserves and 6 other loans with originator and 10 properties owned
       02/04/2018 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202810222 [Redacted] [Redacted] 5341015 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810222 [Redacted] [Redacted] 5348034 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower's FICO 657 < 660 minimum required per guideline requirements. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-04): Exception approval for FICO based on excessive reserves and 6 other loans with originator and 10 properties owned
       02/04/2018 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202810222 [Redacted] [Redacted] 5348046 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I       Reviewer Comment (2018-02-01): Executed/ corrected note with correct maturity date and P&I included in trailing docs
 02/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810223 [Redacted] [Redacted] 5336143 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I       Reviewer Comment (2018-02-01): Executed/ corrected note with correct maturity date and P&I included in trailing docs
 02/01/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810223 [Redacted] [Redacted] 5341016 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-05): Prepay matches guidelines
 02/05/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C B
202810223 [Redacted] [Redacted] 5348151 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower's FICO 657 < 660 minimum required per guideline requirements. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-04): Exception approval for FICO based on excessive reserves and 6 other loans with originator and 10 properties owned
       02/04/2018 2 [Redacted] FL Investment Refinance - Rate/Term   C B C B C B C B C B N/A   No C B
202810224 [Redacted] [Redacted] 5348436 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202810225 [Redacted] [Redacted] 5337284 [Redacted] [Redacted] Credit Fix and Flip General Fix and Flip Insufficient funds for Reserves.   14 months PITIA required (6 months for subject and 2 months for each of 4 financed properties per the credit report).   Reviewer Comment (2018-02-12): Received updated guidlines


Reviewer Comment (2018-02-08): Unable to clear - at the time of the subject loan closing there were apparently other financed properties per the credit report.  Guidelines require 2 months' PITIA in reserves for each of the additional financed properties.


Buyer Comment (2018-02-08): These are all financed properties completed under the LLC name. At the time of closing there weren't any financed properties between all Investment/Second home properties. Needed reserves total $16,991.34
 02/12/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202810225 [Redacted] [Redacted] 5341017 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202810225 [Redacted] [Redacted] 5348864 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The cash flow ratio exceeds the guideline of 90%.  Market rent of $2,700 was used to calculate (not lease in file of $3,100) as guidelines require usage of the market rent unless 3 months rent receipt is documented (this was not apparent in file).   Reviewer Comment (2018-02-08): Exception cleared as it was set in error.  Evidence of receipt of 3 months rent was in the original file.  As a result the actual rent can be used for cash flow ratio.  Result is an acceptable cash flow ratio.


Buyer Comment (2018-02-08): There is evidence of wire from xxx in the amount of $39,350 which includes rents for 1 yr. and Security Deposit. Please see wire transfer with lease agreement.
 02/08/2018       1 [Redacted] FL Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202810226 [Redacted] [Redacted] 5333686 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage does not meet or exceed the lesser of replacement cost or the loan amount.   Reviewer Comment (2018-01-31): Updated insurance included in trailing docs confirms coverage exceeding the loan amount per guidelines.
 01/31/2018       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202810226 [Redacted] [Redacted] 5341018 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018       1 [Redacted] GA Investment Refinance - Rate/Term   C A C A C A C A C A N/A   No C A
202810234 [Redacted] [Redacted] 5373315 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810234 [Redacted] [Redacted] 5376968 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing 10 months bank statements and/or cancelled checks verifying $2,700 rental payments reflected on borrower's application.  1008 indicates there is 11 months cancelled checks, however none were found in the file.  File does have 2 personal bank statement of borrowers' reflecting xx -xx  payments.  Business bank statements reflect $2,725.97 recurring payment for office rental.  The amount and the payee are different for these payments. Business Bank Statement program requires 0x30x12 housing history.   Reviewer Comment (2018-02-07): have proof of 12 months of $2700.00


Buyer Comment (2018-02-06): We don't have the access letter from the ex-wife, so I wrote up an exception for that.  I've attached bank stmts showing borrower's primary rental payments for xxxxxxof $2700 (Nov 2017 was already in the file).  I also attached the updated statement showing sufficient funds to close.
 02/07/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810234 [Redacted] [Redacted] 5378313 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Other than EMD, there is no verification of liquidation for borrower's IRA or stock accounts.   Reviewer Comment (2018-02-07): Received asset statement from Checking account with additional funds showing deposits
 02/07/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810234 [Redacted] [Redacted] 5378339 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Assets Error: Usability  was not provided   Missing verification from joint account holder that borrower has 100% access to account #xxx. Credit score, credit history, residual income Reviewer Comment (2018-02-06): Rec'd exception:  Missing verification from joint account holder that borrower has 100% access to account #xxxxx
       02/06/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202810235 [Redacted] [Redacted] 5341169 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810235 [Redacted] [Redacted] 5341170 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $37,545.89 < $39,309.89             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810235 [Redacted] [Redacted] 5341199 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810237 [Redacted] [Redacted] 5335216 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] GA Second Home Purchase   C A C A C A C A C A Non QM Non QM No C A
202810237 [Redacted] [Redacted] 5335316 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $350.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163)     Reviewer Comment (2018-01-30): Updated CD Input


Buyer Comment (2018-01-30): .    Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.


Buyer Comment (2018-01-26): borrower chose their own attorney this is a purchase-
 01/30/2018       1 [Redacted] GA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202810237 [Redacted] [Redacted] 5335317 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney Review Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77166)     Reviewer Comment (2018-01-30): Updated CD Input


Buyer Comment (2018-01-30): .    Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to xxx, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.


Buyer Comment (2018-01-26): borrower chose their own attorney this is a purchase- the LE reflected a title examination fee for $250
 01/30/2018       1 [Redacted] GA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202810237 [Redacted] [Redacted] 5335318 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $65.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173)     Reviewer Comment (2018-01-30): Updated CD Input


Buyer Comment (2018-01-30): .    Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to xxx, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.


Buyer Comment (2018-01-26): borrower chose their own attorney this is a purchase
 01/30/2018       1 [Redacted] GA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202810237 [Redacted] [Redacted] 5337837 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-30): Updated CD Input
 01/30/2018       1 [Redacted] GA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202810238 [Redacted] [Redacted] 5340576 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Missing Broker's contact name.   Reviewer Comment (2018-01-23): Rec'd LOE, corrected CD and evidence of emailing.
     01/23/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202810238 [Redacted] [Redacted] 5340577 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller's CD reflects $25,054.92, calculates to be $25,154.92.  Seller's CD does not reflect $100 HOA dues seller paid at closing which is reflected on the borrower's CD.   Reviewer Comment (2018-01-23): Rec'd LOE, corrected CD and evidence of emailing.
     01/23/2018   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202810238 [Redacted] [Redacted] 5341493 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810239 [Redacted] [Redacted] 5340709 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-07): Received CDA within 10% of appraised value
 03/07/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810239 [Redacted] [Redacted] 5341174 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.57050% or Final Disclosure APR of 6.60500% is in excess of allowable threshold of APOR 3.99% + 2.5%, or 6.49000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-01): Re-Ran compliance after receiving appraisal
 02/01/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810239 [Redacted] [Redacted] 5341175 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Missing Assignment letter             2 [Redacted] WI Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202810239 [Redacted] [Redacted] 5341176 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. Missing appraisal report   Reviewer Comment (2018-02-01): Received
 02/01/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810239 [Redacted] [Redacted] 5341178 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-01): Received
 02/01/2018       1 [Redacted] WI Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202810239 [Redacted] [Redacted] 5349126 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Valuation:       Reviewer Comment (2018-02-01): Received
 02/01/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810239 [Redacted] [Redacted] 5349193 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-02-02): Rec'd LOE, corrected CD and evidence of emailing.
     02/02/2018   2 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202810239 [Redacted] [Redacted] 5349536 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Missing appraisal report   Reviewer Comment (2018-02-01): Received appraisal
 02/01/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810240 [Redacted] [Redacted] 5363538 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202810240 [Redacted] [Redacted] 5390607 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Credit Risk Summary & Exception Approval in file, page 253. Payment Shock Exceeds maximum allowed by program. Compensating Factors: 1) Reserves. 2) Residual Income. 32.4 months reserves > 12 months guideline minimum - borrowers have verified reserves of $316,134.54

$66,234.60 Residual Income with Bank Statement documents		 Reviewer Comment (2018-01-23): Compensating Factors: 1) Reserves. 2) Residual Income.
       01/23/2018 2 [Redacted] IN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202810240 [Redacted] [Redacted] 5391508 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller Change - Seller Credit TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether there was a change in the Seller Credit. (Final/xx/xx/xxxx) Seller Credit changed by 5 cents.   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810241 [Redacted] [Redacted] 5351965 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-23): Received
 01/23/2018       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202810241 [Redacted] [Redacted] 5351966 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-23): Rec'd LOE, corrected CD and evidence of emailing.
     01/23/2018   2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810241 [Redacted] [Redacted] 5351967 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.906%   Reviewer Comment (2018-01-23): Rec'd LOE, corrected CD and evidence of emailing.
     01/23/2018   2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810241 [Redacted] [Redacted] 5351970 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $15,239.32 < $15,828.32   Reviewer Comment (2018-01-23): Rec'd LOE, corrected CD and evidence of emailing.
     01/23/2018   2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810241 [Redacted] [Redacted] 5352004 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810241 [Redacted] [Redacted] 5382033 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Reran Compliance   Reviewer Comment (2018-01-26): Title service paid to same provider. No violation.
 01/26/2018       1 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure   A   A   A   A   A Non QM Non QM Yes C B
202810241 [Redacted] [Redacted] 5382034 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $40.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Reran Compliance   Reviewer Comment (2018-01-26): Title service paid to same provider. No violation.
 01/26/2018       1 [Redacted] AZ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD   A   A   A   A   A Non QM Non QM Yes C B
202810242 [Redacted] [Redacted] 5350033 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent form not provided   Reviewer Comment (2018-01-30): Received
 01/30/2018       1 [Redacted] AZ Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202810242 [Redacted] [Redacted] 5350097 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] AZ Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202810242 [Redacted] [Redacted] 5351286 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 46.13% > 45% Non-Prime program.  Lender's 46.59% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating Factors:  LTV and Residual Income LTV of 63% is less than the guideline limit of 80%.

Residual income of $3,857.23 is greater than the guideline requirement of $1,500.00		 Reviewer Comment (2018-01-18): Lender approved exception.
       01/18/2018 2 [Redacted] AZ Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202810242 [Redacted] [Redacted] 5351486 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] AZ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810243 [Redacted] [Redacted] 5347256 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810243 [Redacted] [Redacted] 5349317 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller's CD reflects $1,220.42 property taxes while borrower's CD reflects $1,223.13.   Reviewer Comment (2018-01-23): Rec'd LOE, corrected CD and evidence of emailing.
     01/23/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810244 [Redacted] [Redacted] 5364531 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202810244 [Redacted] [Redacted] 5364686 [Redacted] [Redacted] Credit Credit General Credit Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the title evidence in file. Updated title commitment or policy reflecting the new loan amount not in file   Reviewer Comment (2018-02-06): Closing instructions in file reflect correct loan amount.  Final policy will be correct.
 02/06/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202810244 [Redacted] [Redacted] 5370373 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI does exceed 45% but meets the exception policy based on compensating factors of payment shock and stable employment history.  Borrower has been xxxxx over 15 years. Borrower has job stability for 15 years as self employed.

Guideline variance approved by lender at time of origination. Payment shock 2.17862%.

596 > 560 minimum requirement.

Borrower on thisFull documentation loan has a disposable income of $4,128.93.  $1,500 minimum requirement.		 Reviewer Comment (2018-01-22): Waived Lender approved exception with compensating factors.
       01/22/2018 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202810244 [Redacted] [Redacted] 5370382 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 1008 indicates reserves used were from cash out, however no evidence found of Lender approval for less than 3 months. Borrower has job stability for 15 years as self employed.

Guideline variance approved by lender at time of origination. Payment shock 2.17862%.

596 > 560 minimum requirement.

Borrower on thisFull documentation loan has a disposable income of $4,128.93.  $1,500 minimum requirement.		 Reviewer Comment (2018-02-06): Rec'd exception for:  Reserve requirements not met and DTI > maximum allowed.
       02/06/2018 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202810244 [Redacted] [Redacted] 5370447 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing verification of employment for co-borrower within 7 days of closing.  File as written verification dated xx/xx/xxxx.  Loan closed xx/xx/xxxx.   Reviewer Comment (2018-02-23): Received PC VVOE - co-borrower still employed


Reviewer Comment (2018-02-22): Received VVOE for coborrower dated xx/xx/xxxx outside of 10 days of closing
 02/23/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202810244 [Redacted] [Redacted] 5373572 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Lien(s) negatively impacting title   Missing verification xxxxxx Liens reflected on Title, have been satisfied.   Reviewer Comment (2018-02-15): Review shows different names and socials for liens on title
 02/15/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202810244 [Redacted] [Redacted] 5373591 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-02-06): rec'd signed disclosure
 02/06/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202810246 [Redacted] [Redacted] 5365663 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-01): Rec'd e-consent


Buyer Comment (2018-01-30): sol
 02/01/2018       1 [Redacted] SC Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202810246 [Redacted] [Redacted] 5365666 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.  $1,152.11 Property Taxes paid by Borrower at closing disclosed.   Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.
     02/01/2018   2 [Redacted] SC Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810246 [Redacted] [Redacted] 5365668 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $350.00 and $35.00 tolerances.   Reviewer Comment (2018-02-10): Rec'd PC CD correcting Title - Survey fee payee, LOE, and evidence of emailing.


Reviewer Comment (2018-02-01): Provide documentary evidence or lender attestation that supports the borrower-chosen title vendor outsourced the Title - Survey Fee of $350 fee to the different third-party vendor, L. Bruce Abbott.
     02/10/2018   2 [Redacted] SC Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810246 [Redacted] [Redacted] 5365670 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $350.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77187) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Initial and  Final Closing Disclosure.    Valid Change of Circumstance not in file. Final Closing Disclosure does not reflect a Lender credit for $350.00 tolerance.   Reviewer Comment (2018-02-10): Rec'd PC CD correcting Title - Survey fee payee, LOE, and evidence of emailing.


Reviewer Comment (2018-02-01): Provide documentary evidence or lender attestation that supports the borrower-chosen title vendor outsourced the Title - Survey Fee of $350 fee to the different third-party vendor, L. Bruce Abbott.


Buyer Comment (2018-01-30): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance
     02/10/2018   2 [Redacted] SC Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202810246 [Redacted] [Redacted] 5365671 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $35.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7724) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Initial and  Final Closing Disclosure.    Valid Change of Circumstance not in file. Final Closing Disclosure does not reflect a Lender credit for $35.00 tolerance.   Reviewer Comment (2018-01-30): Updated same provider


Buyer Comment (2018-01-30): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance
 01/30/2018       1 [Redacted] SC Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202810246 [Redacted] [Redacted] 5366005 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Disclosure reflects $228.68 homeowner's insurance premium.  Should be $686.04 @ $57.17 per month   Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.


Buyer Comment (2018-01-26): the additional amount is the windstorm policy which is separate from the other hoi
     02/01/2018   2 [Redacted] SC Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810246 [Redacted] [Redacted] 5376531 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xx/xx/xxxx) Valuation Received Date xx/xx/xxxx < Valuation Report Date xx/xx/xxxx             2 [Redacted] SC Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202810246 [Redacted] [Redacted] 5376548 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] SC Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202810246 [Redacted] [Redacted] 5390498 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Within 10 days of closing Credit history, LTV, residual income Reviewer Comment (2018-02-01): Rec'd lender exception for missing documentation.  The VOE for xxxxx is undated.  It is unable to be printed with a date from the secretary of state website.
       02/01/2018 2 [Redacted] SC Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202810247 [Redacted] [Redacted] 5359190 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-01): rec'd e-consent
 02/01/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202810247 [Redacted] [Redacted] 5359204 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810247 [Redacted] [Redacted] 5361654 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-01): cleared with compliance re-run
 02/01/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202810247 [Redacted] [Redacted] 5366444 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing 24 month business bank statements, maximum one account -  Missing third party prepared Expense Statement or P/L specifying the business expenses as a percent of the gross annual revenue for xxxx - Missing verification xxxxx are one the same company and that Borrower (xxxx) is sole proprietor.  xxxxx (Co-borrower) dba Dxxxxx  business bank statements in file used to support Borrower's business income.  Letter in file (p 215) states only that Borrower "has a functioning business called xxxxx 60% LTV < 80% guideline max Reviewer Comment (2018-02-10): Received Credit Risk Summary & Exception approval xx/xx/xxxx


Buyer Comment (2018-02-09): we allowed this to proceed under personal bank stmt, making an exception to not require expense letter or full 24 mos.  However, we did use a conserve income calc with 35% minimum expense factor as required for business bank stmt.  UW forgot to add the addt'l exception - we're not sure why the worksheet wasn't in the file.  Please forward the attached revised 1008 with notes, CRSE and bank stmt calc wkst.  Can you also forward the screen shots below that link the personal mortgage to xxxxxxx showing paid from the same account (credit report & HUD from sale of home in file match).  Thanks!
       02/10/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202810247 [Redacted] [Redacted] 5366674 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Residual income discrepancy. Calculated disposable income of ___ is less than Guideline required disposable income of ___. $2,770.75 < $3,000.00 Portfolio Select Bank Statement program.  Lender's $2,877.97 calculation < $3,000.00.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  DTI and LTV Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-19): Credit Risk Summary & Exception approval p2 u/s
       01/19/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202810247 [Redacted] [Redacted] 5366749 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $9.00 tolerance.   Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.


Buyer Comment (2018-01-30): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.


Buyer Comment (2018-01-26): this is a purchase borrower chose their own attorney
     02/01/2018   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810247 [Redacted] [Redacted] 5366750 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Guaranty Fee.  Fee Amount of $3.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) Fee not disclosed on Loan Estimated dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-01-30): Part of the same provider


Buyer Comment (2018-01-30): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to xxx, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.
 01/30/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202810247 [Redacted] [Redacted] 5366751 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $6.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee not disclosed on Loan Estimated dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-01-30): Updated input


Buyer Comment (2018-01-30): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to xxx, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.
 01/30/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202810247 [Redacted] [Redacted] 5366801 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $122.00 in fees paid by Seller at closing per Consumer's CD not disclosed on Seller's CD   Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.
     02/01/2018   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810248 [Redacted] [Redacted] 5360141 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810248 [Redacted] [Redacted] 5361786 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   TRID Non-Compliant:  Missing payee for Title - Endorsement fee.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM Yes C B
202810248 [Redacted] [Redacted] 5362018 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $765.   Reviewer Comment (2018-01-30): Reran Compliance
 01/30/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202810248 [Redacted] [Redacted] 5362019 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $465.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726) Fee not disclosed on LE.   Although this fee is in section C, the provider is not reflected.  Unable to determine if the provider is the same as the other title fees reflected on the LE and therefore is included in 0% tolerance testing.   Reviewer Comment (2018-01-30): Reran Compliance
 01/30/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202810248 [Redacted] [Redacted] 5362193 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   1x 30 in the past 12 months does not meet housing history requirments but meets exception policy.  File is missing a canceled check for rent.  No compensating factors were given. 14.05% DTI > 45% max.

Borrower on this Bank Statement documentation loan has a disposable income of $44,683.70		 Reviewer Comment (2018-01-30): Received Credit Risk Summary & Exception Approval. Credit: Housing history requirements not met. Compensating Factors: 1) DTI. 2) Residual Income.
       01/30/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202810249 [Redacted] [Redacted] 5353918 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810249 [Redacted] [Redacted] 5367319 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] WI Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202810249 [Redacted] [Redacted] 5367320 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.848%, used lowest Index in date range - 1.86289%             2 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202810249 [Redacted] [Redacted] 5367334 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure discloses a $150.00 Lender credit for $150.00 Appraisal Re-inspection fee tolerance. But no credit for Title-E Recording Fee ($8.00) and Title-Title Endorsement Fee ($125.00).   Reviewer Comment (2018-01-30): Reran Compliance
 01/30/2018       1 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202810249 [Redacted] [Redacted] 5367337 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $8.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181)     Reviewer Comment (2018-01-30): Reran Compliance


Buyer Comment (2018-01-28): Borrower used own Title Company.
 01/30/2018       1 [Redacted] WI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202810249 [Redacted] [Redacted] 5367338 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726)     Reviewer Comment (2018-01-30): Reran Compliance


Buyer Comment (2018-01-28): Borrower used own title company
 01/30/2018       1 [Redacted] WI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202810249 [Redacted] [Redacted] 5371125 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. OO/2nd Homes with Lender Paid Compensation Min loan amount $150K 24.505% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $3,459.86		 Reviewer Comment (2018-01-30): Received Credit Risk Summary & Exception Approval. Loan Amount: Less than minimum allowed by program. Compensating Factors: 1) DTI. 2) Residual Income.
       01/30/2018 2 [Redacted] WI Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202810249 [Redacted] [Redacted] 5455680 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Reran Compliance         01/30/2018   1 [Redacted] WI Primary Purchase Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C B
202810250 [Redacted] [Redacted] 5365585 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202810250 [Redacted] [Redacted] 5365613 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202810250 [Redacted] [Redacted] 5374292 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Qualifying fico 631. Credit report in file and approval indicate 609 mid score. No exception or acknowledgement of using alternative credit report or score. 42.825% < 45% DTI

$11,202.18 Residual Income on a Bank Statement loan		 Reviewer Comment (2018-01-26): Received Credit Risk Summary & Exception Approval. Credit Score < program requirements. Compensating Factors: 1) DTI. 2) Residual Income. 3) Stable Employment History.
       01/26/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202810250 [Redacted] [Redacted] 5374328 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Missing statement for asset shown on Final 1003 (xxxxx). 42.825% < 45% DTI

$11,202.18 Residual Income on a Bank Statement loan		 Reviewer Comment (2018-01-26): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income. 3) Stable Employment History.
       01/26/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202810250 [Redacted] [Redacted] 5374410 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-26): Received
 01/26/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202810250 [Redacted] [Redacted] 5374411 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $48,459.82  > $48,443.82   Reviewer Comment (2018-01-26): Rec'd LOE, corrected CD and evidence of emailing.
     01/26/2018   2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202810250 [Redacted] [Redacted] 5394328 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Credit Risk Summary & Exception Approval in file, page 266. Payment Shock Exceeds maximum allowed by program. Compensating Factors: 1) Assets. 2) DTI. 3) Residual Income. 4) Stable Employment History. 42.825% < 45% DTI

$11,202.18 Residual Income on a Bank Statement loan		 Reviewer Comment (2018-01-24): Compensating Factors: 1) Assets. 2) DTI. 3) Residual Income. 4) Stable Employment History.
       01/24/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202810250 [Redacted] [Redacted] 5395587 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx     Reviewer Comment (2018-01-26): Received CPA letter


Buyer Comment (2018-01-25): this is not required with the bank statement program
 01/26/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202815355 [Redacted] [Redacted] 5363956 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202815355 [Redacted] [Redacted] 5363992 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Public Record Issue: Credit Report: Original // Public Record Type: xxxxxx xxxxxxx             2 [Redacted] FL Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202815355 [Redacted] [Redacted] 5365122 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202815355 [Redacted] [Redacted] 5396770 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Borrower has greater than 1x30 mortgage late and not allowable per  guidelines.   Credit Risk Summary & Exception Approval in file, page 188. Credit event seasoning not met. Compensating Factors: 1) LTV. 2) Payment Shock. 47.04301%% LTV < 60% guideline max Reviewer Comment (2018-01-24): Compensating Factors: 1) LTV. 2) Payment Shock.
       01/24/2018 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202815355 [Redacted] [Redacted] 5396837 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Joint owner of account used for income calculation is not on the loan. Guideline: All parties on the banks statements must be on the loan. 47.04301%% LTV < 60% guideline max Reviewer Comment (2018-02-06): Credit Risk Summary & Exception approval provided for account requirements not met


Reviewer Comment (2018-02-06): Rec'd incomplete exception form. The exception is not clearly stated.
       02/06/2018 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202815355 [Redacted] [Redacted] 5397109 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Assets Error: Usability  was not provided   Missing letter from joint account owner stating that Borrower has full access to funds in the joint account. 47.04301%% LTV < 60% guideline max Reviewer Comment (2018-02-06): Credit Risk Summary & Exception approval for Account requirements not met
       02/06/2018 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202815356 [Redacted] [Redacted] 5383931 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202815356 [Redacted] [Redacted] 5383932 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $253,122.63 in total closing costs paid by Seller at closing per Seller's CD not reflected on Consumer's CD.   Reviewer Comment (2018-01-30): PCCD dated xx/xx/xxxx shows total Seller paid fees as $253,122.63, but Seller paid fees in column only add up to $253,116.56.
         2 [Redacted] MI Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202815356 [Redacted] [Redacted] 5383933 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7535) Final Closing Disclosure discloses a $150.00 Lender credit for tolerance.         01/23/2018   1 [Redacted] MI Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202815356 [Redacted] [Redacted] 5384001 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202815356 [Redacted] [Redacted] 5384207 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-30): Received
 01/30/2018       1 [Redacted] MI Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202815356 [Redacted] [Redacted] 5387325 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Final Closing Disclosure discloses a $150.00 Lender credit for tolerance.         01/23/2018   1 [Redacted] MI Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202815357 [Redacted] [Redacted] 5382499 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-30): Received
 01/30/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202815357 [Redacted] [Redacted] 5382553 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 363. DTI > maximum allowed. Compensating Factors: Reserves and Stable Employment History. 13 months reserves > 6 months guideline minimum - borrowers have verified reserves of $34,309.86 Reviewer Comment (2018-01-24): Compensating Factors: Reserves and Stable Employment History.
       01/24/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202815357 [Redacted] [Redacted] 5382557 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202815357 [Redacted] [Redacted] 5385769 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.901%             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202815357 [Redacted] [Redacted] 5386184 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $60.00 fee paid by Seller at closing per Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202815358 [Redacted] [Redacted] 5400158 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Issue:  Subject loan is a non-arms length transaction  outside of credit guidelines   Credit Risk Summary & Exception Approval in file, page 291. Property - non-arm's length transaction. Borrower is a shareholder in selling company. Compensating Factors: 1) Payment Shock. 2) Residual Income. $8,475.28 Residual Income on a Bank Statement loan Reviewer Comment (2018-01-24): Compensating Factors: 1) Payment Shock. 2) Residual Income.
       01/24/2018 2 [Redacted] NC Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202815358 [Redacted] [Redacted] 5400579 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing underwriters bank statement income worksheet.   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202815358 [Redacted] [Redacted] 5400681 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.60780% or Final Disclosure APR of 6.61200% is in excess of allowable threshold of APOR 3.71% + 1.5%, or 5.21000%.  Non-Compliant Rate Spread Home Loan.     Reviewer Comment (2018-02-06): Received attestation letter
 02/06/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202815358 [Redacted] [Redacted] 5400687 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium.     Reviewer Comment (2018-02-06): Received attestation letter
 02/06/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202815358 [Redacted] [Redacted] 5400692 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] NC Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202815358 [Redacted] [Redacted] 5400693 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)               2 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202815358 [Redacted] [Redacted] 5507909 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.60780% or Final Disclosure APR of 6.61200% is in excess of allowable threshold of APOR 3.71% + 1.5%, or 5.21000%.  Compliant Rate Spread Home Loan. Received attestation letter             2 [Redacted] NC Primary Purchase     B   B   B   B   B Non QM Non QM No C B
202815359 [Redacted] [Redacted] 5378619 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NM Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202815360 [Redacted] [Redacted] 5383850 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202815360 [Redacted] [Redacted] 5386832 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-30): Received
 01/30/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202815360 [Redacted] [Redacted] 5406136 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Home Warranty shown in Section C should be in Section H.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] TX Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202815362 [Redacted] [Redacted] 5374227 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202815362 [Redacted] [Redacted] 5374385 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-30): Received
 01/30/2018       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202815362 [Redacted] [Redacted] 5374386 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.99%             2 [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202815362 [Redacted] [Redacted] 5374388 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $2,008.68 in fees paid by Seller at closing disclosed on Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] IL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202815363 [Redacted] [Redacted] 5389082 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD reflects $40, calculates to be $190.   Reviewer Comment (2018-02-10): Rec'd PC CD correcting Title - Title Search fee payee, LOE, and evidence of emailing.
     02/10/2018   2 [Redacted] FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202815363 [Redacted] [Redacted] 5389083 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $590.00 exceeds tolerance of $550.00.  Insufficient or no cure was provided to the borrower. (7506) Final Closing Disclosure discloses a $40.00 Lender credit for tolerance.   Reviewer Comment (2018-01-24): Final CD reflects $40 tolerance cure.
     01/24/2018   2 [Redacted] FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202815363 [Redacted] [Redacted] 5389084 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Fee not disclosed on LE.   Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is therefore included in 0% tolerance testing.  Note:  LE reflects $150 Title - Examination fee vs $150 Title - Title Search fee on CDs.   Reviewer Comment (2018-02-10): Rec'd PC CD correcting Title - Title Search fee payee, LOE, and evidence of emailing.
     02/10/2018   2 [Redacted] FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202815363 [Redacted] [Redacted] 5389092 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202815364 [Redacted] [Redacted] 5386994 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.98730% or Final Disclosure APR of 7.14700% is in excess of allowable threshold of APOR 3.88% + 1.5%, or 5.38000%.  Compliant Rate Spread Home Loan.               2 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202815364 [Redacted] [Redacted] 5386995 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-01-30): Received
 01/30/2018       1 [Redacted] NC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202815364 [Redacted] [Redacted] 5386996 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202815364 [Redacted] [Redacted] 5386997 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $26.00 Recording fee paid by Seller at closing per Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202815364 [Redacted] [Redacted] 5387007 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202815365 [Redacted] [Redacted] 5391067 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-01): Received
 02/01/2018       1 [Redacted] IN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202815365 [Redacted] [Redacted] 5410741 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing award letter / continuance letter for Borrower's SSI   Reviewer Comment (2018-01-31): Borrower 67 years old auto deposit shown for $1175.4 in xxxxx Bank
 01/31/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202815367 [Redacted] [Redacted] 5400139 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202815367 [Redacted] [Redacted] 5421623 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-01): cleared with compliance re-run


Buyer Comment (2018-01-28): index used = 2.102
 02/01/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202815368 [Redacted] [Redacted] 5396293 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] FL Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202815368 [Redacted] [Redacted] 5396296 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $9.00 tolerance.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202815368 [Redacted] [Redacted] 5396298 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $9.00 Title - E-recording Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202815368 [Redacted] [Redacted] 5396401 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 5.02 months < 6 months Portfolio Select Bank Statement program.  Lender's 4 months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit score and Residual income Credit score of 722 exceeds guideline requirements of 620.

Residual income of $13,241 exceeds guideline requirements of $3,000.		 Reviewer Comment (2018-01-24): Lender approved exception.
       01/24/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202815368 [Redacted] [Redacted] 5396403 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202815368 [Redacted] [Redacted] 5397601 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-10): Cleared with compliance re-run.
 02/10/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202815368 [Redacted] [Redacted] 5409214 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $30,853.00 total cost paid by Seller at closing < $30,942.22 total cost ($30,853.00 at closing + $89.22 before closing) per Consumer's CD   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202815369 [Redacted] [Redacted] 5391139 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Missing Broker's contact name.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
     01/30/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202815369 [Redacted] [Redacted] 5391140 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Disclosure reflects $624.00 homeowner's insurance premium.  Should be $1,547.04 @ $128.92 per month   Reviewer Comment (2018-01-30): CD states 4 months, but actually 4.84 months collected.


Buyer Comment (2018-01-28): the payment due per invoice was $624
 01/30/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202815369 [Redacted] [Redacted] 5391196 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202815369 [Redacted] [Redacted] 5407319 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI exceeds 45% but meets the exception policy based on the compensating factors of LTV, reserves and debt consolidation. 50.03 months reserves > 3 month requirement.

626 representative FICO score > 540 guideline minimum

41.66% LTV < 75% guideline max		 Reviewer Comment (2018-01-25): Meets exception policy per Credit Risk Summary & Exception Approval.
       01/25/2018 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202815369 [Redacted] [Redacted] 5407349 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Residual income discrepancy. Calculated disposable income of ___ is less than Guideline required disposable income of ___. Residual income does not meet $1,500 minum requirement but meets the exception policy based on the compensating factors of LTV, reserves and debt consolidation. 50.03 months reserves > 3 month requirement.

626 representative FICO score > 540 guideline minimum

41.66% LTV < 75% guideline max		 Reviewer Comment (2018-01-25): Meets exception policy per Credit Risk Summary & Exception Approval.
       01/25/2018 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202837775 [Redacted] [Redacted] 5404495 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-01): Received
 02/01/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837775 [Redacted] [Redacted] 5404496 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx) Underdisclosed $18,791.11.  It appears Lender did not include $18,875 discount fees in TIL calculations.   Reviewer Comment (2018-02-14): Received corrected PC CD itemizing seller credits and LOE


Reviewer Comment (2018-02-12): PCCD dated xx/xx/xxxx has incorrect Cash to Close on page 3 in Section L "Cash to Close" From $603,108.19.


Reviewer Comment (2018-02-11): Sent for Compliance review (CHD-5802)
     02/14/2018   2 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202837775 [Redacted] [Redacted] 5406302 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Lender qualified borrower with Note rate.  Guidelines require all ARM loans to be qualified at the greater of the fully index rate or the Note rate. 756 > 720 minimum requirement.

53.93% LTV < 90% guideline max

Borrower has employment stability for 13 years		 Reviewer Comment (2018-02-11): Received Credit Risk Summary & Exception Approval. Income: ok to use alternative income calculation qualifying borrower at the note rate. Compensating Factors: 1) Credit Score. 2) Credit History. 3) LTV. 4) Stable Employment History.
       02/11/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837775 [Redacted] [Redacted] 5406316 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Income documentation is less than 2 years required but meets exception policy based on compensating factors of credit score, credit history, LTV and stable employment since 2004. 756 > 720 minimum requirement.

53.93% LTV < 90% guideline max

Borrower has employment stability for 13 years		 Reviewer Comment (2018-01-25): Meets exception policy per Credit Risk Summary & Exception Approval.
       01/25/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837775 [Redacted] [Redacted] 5406416 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2018-02-11): Exception received to use Note rate for qualification method.
 02/11/2018       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202837775 [Redacted] [Redacted] 5406417 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > 50%.   Reviewer Comment (2018-02-11): Exception received to use Note rate for qualification method.
 02/11/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837775 [Redacted] [Redacted] 5556595 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Check Restated Loan Designation Match - General Ability to Repay Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Exception received to use Note rate for qualification method.             2 [Redacted] GA Primary Purchase     B   B   B   B   B Non QM Non QM Yes C B
202837776 [Redacted] [Redacted] 5406102 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): rec'd e-consent
 02/06/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837776 [Redacted] [Redacted] 5406119 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837776 [Redacted] [Redacted] 5407763 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Payment shock at 255% is > maximum of 200% for a first time home buyer; Lender exception approval not provided. Credit score, residual income. Reviewer Comment (2018-02-06): Rec'd exception for Payment Shock exceeds maximum allowed by program.
       02/06/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837776 [Redacted] [Redacted] 5408182 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $175804.63 while CD seller's fees total $176,266.63.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing
     02/09/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837777 [Redacted] [Redacted] 5421372 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202837777 [Redacted] [Redacted] 5421378 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing third party verification of business existence; document is required to be dated within 10 days of closing. 693 representative FICO score Reviewer Comment (2018-02-12): Received Credit Risk Summary & Exception approval - VVOE outside 10 days of closing


Reviewer Comment (2018-02-06): Per tax returns, the company name is xxx  Rec'd internet printout dated xxx for xxx.


Buyer Comment (2018-02-03): Please see pull date xxx
       02/12/2018 2 [Redacted] FL Investment Purchase   C B C B C B C B C B N/A N/A No C B
202837778 [Redacted] [Redacted] 5407981 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] CA Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202837778 [Redacted] [Redacted] 5407984 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Number of months for seller paid prepaid property taxes was not disclosed on the Final CD.             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837778 [Redacted] [Redacted] 5407999 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837778 [Redacted] [Redacted] 5420547 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $29,346.35 while CD seller's fees total $29,572.35.             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837779 [Redacted] [Redacted] 5421272 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller's CD reflects $135,668.66, calculates to be $136,021.41.             2 [Redacted] PA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837779 [Redacted] [Redacted] 5424444 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] PA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837780 [Redacted] [Redacted] 5408230 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202837780 [Redacted] [Redacted] 5422646 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility Borrower and Mortgage Eligibility 1003 Error: Citizenship Source Documentation  was not provided Borrower: xxxxxx Missing verification of Permanent Resident Alien status; A Permanent Resident Alien must hold a valid and acceptable visa issued by the U.S. Citizenship and Immigration Service (USCIS) as evidence of lawful presence in the U.S.             2 [Redacted] FL Investment Purchase   B B B B B B B B B B N/A N/A No C B
202837780 [Redacted] [Redacted] 5423659 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Lender Exception approval for Condo Budget reserves delinquency.  Comp factors: Reserves and residual income. 61 months reserves > 6 months guideline minimum - borrowers have verified reserves of $121,897.81

Borrower on this Full documentation loan has a disposable income of $6,153.59		 Reviewer Comment (2018-01-26): Lender exception approval provided.
       01/26/2018 2 [Redacted] FL Investment Purchase   C B C B C B C B C B N/A N/A No C B
202837780 [Redacted] [Redacted] 5424949 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > 50% guideline max.  Credit Risk Summary & Exception approval does not reflect an exception approval for the DTI.   Reviewer Comment (2018-02-21): Updated per guidelines using 75% of comparable rent schedule


Buyer Comment (2018-02-20): there is no rent used for the subject either.   The other rental was purchased in 2017 and no rent used for that.  if they use 75% of market rent for subject because borrower has additional 3 months reserves, the DTI works.  I didn't even enter any rent for the other rental.


Reviewer Comment (2018-02-15): Rec'd 1008 & 1003.  The lender calculated rental income on xxxxx using 100% of rents vs. 75%.  Rental income is $44 vs. $670 reflected on 1003 and 1008.
 02/21/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202837781 [Redacted] [Redacted] 5476561 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] MN Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202837781 [Redacted] [Redacted] 5476570 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] MN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837781 [Redacted] [Redacted] 5476933 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] MN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837781 [Redacted] [Redacted] 5477034 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 3.66 months PITI < 6 months PITI Portfolio Select program (xx/xx/xxxx matrix  / xx/xx/xxxx).    Lender's 3 months < 6 months.  Exception not acknowledged by Lender. $6,580.21 Residual Income on a Full doc loan Reviewer Comment (2018-02-07): Credit Risk Summary & Exception Approval in file, page 1204. Reserves: Requirements not met. Compensating Factors: 1) Payment Shock. 2) Residual Income.


Buyer Comment (2018-02-03): Credit exception in file this should be EV-2
       02/07/2018 2 [Redacted] MN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837781 [Redacted] [Redacted] 5478753 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 7.22060% or Final Disclosure APR of 7.30000% is in excess of allowable threshold of USTreasury 2.8100% + 3%, or 5.81000%.  Compliant Subprime Loan.               2 [Redacted] MN Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202837781 [Redacted] [Redacted] 5487752 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. 90% LTV > 85% Portfolio Select program (xx/xx/xxxx matrix  / xx/xx/xxxx).   664 score for grading < 680 minimum for 90% LTV.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Payment shock and Residual income Guideline variance approved by lender at time of origination. Lender made an exception for the additional 5% LTV from 85% to 90% Reviewer Comment (2018-02-02): Credit Risk Summary & Exception approval p497
       02/02/2018 2 [Redacted] MN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837781 [Redacted] [Redacted] 5487758 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. 90% CLTV > 85% Portfolio Select program (xx/xx/xxxx matrix  / xx/xx/xxxx).   664 score for grading < 680 minimum for 90% LTV.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Payment shock and Residual income Guideline variance approved by lender at time of origination. Lender made an exception for the additional 5% LTV from 85% to 90% Reviewer Comment (2018-02-02): Credit Risk Summary & Exception approval p497
       02/02/2018 2 [Redacted] MN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837781 [Redacted] [Redacted] 5487841 [Redacted] [Redacted] Property Property - Appraisal General Appraisal Requirements Property - Appraisal Valuation Exception:   $2,500.00 deferred maintenance > $2,000.00 max allowed under Non-Prime program.   Per 442 inspection (new construction), estimated cost $2,500.00 for final grade and sod (landscaping) due to weather restraints. Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Payment shock and Residual income Guideline variance approved by lender at time of origination. Lender made an exception for the additional 5% LTV from 85% to 90% Reviewer Comment (2018-02-02): Credit Risk Summary & Exception approval p497
       02/02/2018 2 [Redacted] MN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837782 [Redacted] [Redacted] 5435377 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-02-07): Rec'd flood cert.
 02/07/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202837782 [Redacted] [Redacted] 5435415 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202837782 [Redacted] [Redacted] 5438843 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM.     Reviewer Comment (2018-02-27): Received updated tape with designation
 02/27/2018       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Non QM Yes C B
202837782 [Redacted] [Redacted] 5438845 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-26): Cleared with compliance re-run


Buyer Comment (2018-02-23): transfer taxes which are included in calculations are not supposed to be included- they are paid to a government entity
 02/26/2018       1 [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Higher Priced QM Non QM Yes C B
202837782 [Redacted] [Redacted] 5438847 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid District Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for District Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.  $2,878.33 Property Taxes paid by Seller at closing disclosed.   Reviewer Comment (2018-02-26): Rec'd LOE, corrected CD and evidence of emailing.
     02/26/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Non QM Yes C B
202837782 [Redacted] [Redacted] 5438848 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Closing Costs Exceeds Limits Amount TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-26): Cleared with compliance re-run.
 02/26/2018       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Higher Priced QM Non QM Yes C B
202837782 [Redacted] [Redacted] 5458680 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Missing proof of self-employment and YTD P&L for Schedule C xxxxx earnings to support income used to qualify.   Reviewer Comment (2018-02-07): Rec'd P & L.
 02/07/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202837782 [Redacted] [Redacted] 5465001 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-07): rec'd e-consent
 02/07/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Higher Priced QM Non QM No C B
202837782 [Redacted] [Redacted] 5466383 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). xxxxxx   Reviewer Comment (2018-02-07): Rec'd P & L.
 02/07/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202837782 [Redacted] [Redacted] 5466579 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx) xxxxxx   Reviewer Comment (2018-02-28): Updated input


Reviewer Comment (2018-02-28): With Comp


Reviewer Comment (2018-02-26): Rec'd exception for:  Income, alternative income calculation used.  Xxxx 1065 partnership < 2 years old.  Partnership start date xx/xx/xxxx.
 02/28/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202837782 [Redacted] [Redacted] 5466626 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $194,347.32 in verified assets used towards closing < $204,236.53 required   Reviewer Comment (2018-02-23): Received updated asset statements


Buyer Comment (2018-02-21): Signed CD showed the borrower needed $120,236.53 (this figure is with the $75,000 gift credited already on the CD)…so need this amount from additional own funds.
See the 1003 attached, shows the borrower has a total of $130,279.62 in liquid funds verified (in all of the xxxxx and xxxxx accounts).  
So the borrower had enough funds verified for closing.
 02/23/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No C B
202837782 [Redacted] [Redacted] 5717325 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Check Restated Loan Designation Match - General Ability to Repay Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Received updated tape with designation             2 [Redacted] GA Primary Purchase     B   B   B   B   B Higher Priced QM Non QM Yes C B
202837783 [Redacted] [Redacted] 5408251 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837783 [Redacted] [Redacted] 5408362 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $956.04.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837783 [Redacted] [Redacted] 5408363 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller's CD does not reflect $4,296 property taxes which are reflected as seller paid on the borrower's CD.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837783 [Redacted] [Redacted] 5408365 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Capital Contribution.  Fee Amount of $500.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77121) Fee not disclosed on LE.  This fee is reflected in section C which includes it in tolerance testing.  Should be in section H.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] WI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837783 [Redacted] [Redacted] 5408366 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Fee.  Fee Amount of $331.04 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77122) Fee not disclosed on LE.  This fee is reflected in section C which includes it in tolerance testing.  Should be in section H.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] WI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837783 [Redacted] [Redacted] 5408368 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726) Fee not disclosed on LE.  Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is therefore included in 0% tolerance testing.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] WI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837783 [Redacted] [Redacted] 5416756 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Guideline Issue:Insufficient asset documentation.   Missing proof of receipt for $96,722.45 funds from sale of xxxxx  File has seller's statement reflecting settlement date of xx/xx/xxxx, however no evidence of wire transfer to the Title Company was found in the file.   Reviewer Comment (2018-02-14): Rec'd signed CD


Reviewer Comment (2018-02-09): Wire not required, but need a signed settlement statement from sale.


Buyer Comment (2018-02-07): This was a simultaneous closing.
 02/14/2018       1 [Redacted] WI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837783 [Redacted] [Redacted] 5416866 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Condo and Capital Contribution fees reflected in section C, should be in section H.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] WI Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202837784 [Redacted] [Redacted] 5421551 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A   No C A
202837785 [Redacted] [Redacted] 5409278 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-02-01): rec'd flood cert
 02/01/2018       1 [Redacted] VA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5409721 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided       Reviewer Comment (2018-02-07): Received
 02/07/2018       1 [Redacted] VA Primary Purchase   D A D A D A D A D A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5411403 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] VA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5413396 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien TRID Final Closing Disclosure xx/xx/xxxx on a simultaneous subordinate lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-22): N/A


Buyer Comment (2018-02-16): this is a second there aren't supposed to be seller paid fees on this
 02/22/2018       1 [Redacted] VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Higher Priced QM Non QM Yes D B
202837785 [Redacted] [Redacted] 5413398 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Deposit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Deposit. (Final/xx/xx/xxxx) Summaries of Transaction data field is blank.  Calculating Cash to Close reflects $0.00.             2 [Redacted] VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Non QM Yes D B
202837785 [Redacted] [Redacted] 5413400 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $100.             2 [Redacted] VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Non QM Yes D B
202837785 [Redacted] [Redacted] 5413401 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing TILA-RESPA Integrated Disclosure - Interim Closing Disclosure containing a change in APR, loan product or addition of prepayment penalty was not received by borrower at least three (3) business days prior to consummation. Evidence of earlier borrower receipt was not found in file.   Reviewer Comment (2018-02-27): Updated input with attestation and proof of CD belonging to other loan.,


Buyer Comment (2018-02-23): the cd has a different loan number this was a simultaneous closing


Reviewer Comment (2018-02-22): CD dated xx/xx/xxxx is for the same Borrower and same Property Address.
 02/27/2018       1 [Redacted] VA Primary Purchase No Defined Cure C A C A C A C A C A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5413403 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. (Interim/xx/xx/xxxx) Evidence of earlier borrower receipt was not found in file.   Reviewer Comment (2018-02-28): Received proof of receipt


Reviewer Comment (2018-02-27): Please provide proof of receipt of LE dated xxxx


Reviewer Comment (2018-02-27): Loan sent for Compliance review (CHD-5987)


Reviewer Comment (2018-02-22): CD dated xx/xx/xxxx is for the same Borrower and same Property Address.
 02/28/2018       1 [Redacted] VA Primary Purchase No Defined Cure C A C A C A C A C A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5413405 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing vs Closing Disclosure TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (Initial/xx/xx/xxxx) LE dated xx/xx/xxxx was provided after xx/xx/xxxx CD.   Reviewer Comment (2018-02-27): Updated input with attestation and proof of CD belonging to other loan.,


Reviewer Comment (2018-02-22): CD dated xx/xx/xxxx is for the same Borrower and same Property Address.
 02/27/2018       1 [Redacted] VA Primary Purchase No Defined Cure C A C A C A C A C A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5413406 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing vs Closing Disclosure TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (Interim/xx/xx/xxxx) LE dated xx/xx/xxxx was provided after xx/xx/xxxx CD.   Reviewer Comment (2018-02-27): Updated input with attestation and proof of CD belonging to other loan.,


Reviewer Comment (2018-02-22): CD dated xx/xx/xxxx is for same Borrower and same Property Address.
 02/27/2018       1 [Redacted] VA Primary Purchase No Defined Cure C A C A C A C A C A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5419098 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.94090% or Final Disclosure APR of 7.95000% is in excess of allowable threshold of APOR 3.43% + 3.5%, or 6.93000%.  Non-Compliant Higher Priced Mortgage Loan. Verified fees were input correctly.   Reviewer Comment (2018-02-07): Reran Compliance
 02/07/2018       1 [Redacted] VA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5419099 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant - Ability to Repay requirements not satisfied.     Reviewer Comment (2018-02-07): Reran Compliance
 02/07/2018       1 [Redacted] VA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5419101 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > 43% max allowed per Agency 2nd Overlay.  DU approved 48.5% DTI.   Reviewer Comment (2018-02-28): Received updated tape


Reviewer Comment (2018-02-21): Received CRE, for DTI, however this is a HPQM, DTI canot exceed 43% no exception
 02/28/2018       1 [Redacted] VA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5419102 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2018-02-27): Received updated tape with designation


Reviewer Comment (2018-02-22): Received CRE, for DTI, however this is a HPQM, DTI cannot exceed 43% no exception.
 02/27/2018       1 [Redacted] VA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Non QM Yes D B
202837785 [Redacted] [Redacted] 5419103 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.     Reviewer Comment (2018-02-27): Received updated tape with designation


Reviewer Comment (2018-02-22): Received CRE, for DTI, however this is a HPQM, DTI cannot exceed 43% no exception.
 02/27/2018       1 [Redacted] VA Primary Purchase   C A C A C A C A C A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5419104 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-07): Received
 02/07/2018       1 [Redacted] VA Primary Purchase No Defined Cure B A B A B A B A B A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5419105 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Partial Payments TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xx/xx/xxxx) CD data field is blank.   Reviewer Comment (2018-02-22): Rec'd LOE, corrected CD and evidence of emailing.
     02/22/2018   2 [Redacted] VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Higher Priced QM Non QM Yes D B
202837785 [Redacted] [Redacted] 5419107 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7728) Fee not disclosed on LE.  Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is therefore included in 0% tolerance testing.   Reviewer Comment (2018-02-22): Rec'd LOE, corrected CD and evidence of emailing.
     02/22/2018   2 [Redacted] VA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Higher Priced QM Non QM Yes D B
202837785 [Redacted] [Redacted] 5420940 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Although DU approved 48.50% DTI, Agency Second Overlay indicate a maximum of 43%. 209.5 months reserves > 3 months guideline minimum - borrowers have verified reserves of $1,138,884.38 Reviewer Comment (2018-02-28): Received exception approval for DTI based on reserves and credit history


Reviewer Comment (2018-02-22): Received CRE, for DTI, however this is a HPQM, DTI cannot exceed 43% no exception.
       02/28/2018 2 [Redacted] VA Primary Purchase   C B C B C B C B C B Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5712506 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Updated with removal of wrong CD   Reviewer Comment (2018-02-28): Received proof of receipt
 02/28/2018       1 [Redacted] VA Primary Purchase No Defined Cure   A   A   A   A   A Higher Priced QM Non QM No D B
202837785 [Redacted] [Redacted] 5717349 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Received updated tape with designation   Reviewer Comment (2018-02-28): Received updated tape
 02/28/2018       1 [Redacted] VA Primary Purchase Lender to provide updated ATR/QM status   A   A   A   A   A Higher Priced QM Non QM Yes D B
202837785 [Redacted] [Redacted] 5719319 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Check Restated Loan Designation Match - General Ability to Repay Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Received updated tape             2 [Redacted] VA Primary Purchase     B   B   B   B   B Higher Priced QM Non QM Yes D B
202837786 [Redacted] [Redacted] 5404144 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] WA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202837786 [Redacted] [Redacted] 5405649 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Reservesdo not meet 3 month requirement but meets exception policy based on compensating factors of: 1) Housing payment decreasing 2) Residual income. Residual income of $3,746 exceeds program required residual income of $1,500. Reviewer Comment (2018-01-25): Lender approved exception.
       01/25/2018 2 [Redacted] WA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202837786 [Redacted] [Redacted] 5407904 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $4,462.50 exceeds tolerance of $4,350.00.  Sufficient or excess cure was provided to the borrower at Closing. (73109)           01/25/2018   1 [Redacted] WA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202837787 [Redacted] [Redacted] 5413975 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Borrower is a First Time Homebuyer which requires a 12 month residential pay history verified by cancelled checks per Platinum Guidelines. 80 months reserves > 6 months guideline minimum Reviewer Comment (2018-02-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/08/2018 2 [Redacted] MD Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837787 [Redacted] [Redacted] 5414031 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837788 [Redacted] [Redacted] 5400759 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202837788 [Redacted] [Redacted] 5401647 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Gift funds are not allowed on 2nd home purchase transaction; Lender exception approval (pg. 210) with comp factors: Low LTV and excess residual income. 44.24779% LTV < 80% guideline max

Borrower on this Full documentation loan has a disposable income of $2,781.86.		 Reviewer Comment (2018-01-29): Lender exception approval provided.
       01/29/2018 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837788 [Redacted] [Redacted] 5402660 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > Guideline max; Lender used net rental income amount as income without deducting the PITI for the property or including the PITI in the debts.  Lender exception approval was not provided. 44.24779% LTV < 80% guideline max

Borrower on this Full documentation loan has a disposable income of $2,781.86.		 Reviewer Comment (2018-02-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/08/2018 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837788 [Redacted] [Redacted] 5402747 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2018-02-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/08/2018       1 [Redacted] FL Second Home Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202837788 [Redacted] [Redacted] 5402748 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2018-02-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/08/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202837788 [Redacted] [Redacted] 5439053 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. Second Home with Lender paid compensation minimum loan amount is $150,000.00 under Non-Prime program. 44.24779% LTV < 80% guideline max

Borrower on this Full documentation loan has a disposable income of $2,781.86.		 Reviewer Comment (2018-02-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/08/2018 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837788 [Redacted] [Redacted] 5439078 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Prior primary residence (xxxxxx) sold 0xx/xx/xxxx; verification of mortgage payment history was not provided.  File contains VOR covering most recent 4 months on current rental property.  Missing previous 8 months mortgage payment history. x Reviewer Comment (2018-02-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/08/2018 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837789 [Redacted] [Redacted] 5413198 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) CD data field is blank.  Note:  These fees were seller paid at closing.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837789 [Redacted] [Redacted] 5413200 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $446.30 exceeds tolerance of $311.00 plus 10% or $342.10.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $258.81 Lender credit for tolerance.         01/25/2018   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202837789 [Redacted] [Redacted] 5413201 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Digital Storage Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7712) Final Closing Disclosure discloses a $258.81 Lender credit for tolerance.         01/25/2018   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202837789 [Redacted] [Redacted] 5413202 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (77181) Final Closing Disclosure discloses a $258.81 Lender credit for tolerance.         01/25/2018   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202837789 [Redacted] [Redacted] 5413359 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837789 [Redacted] [Redacted] 5419823 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing verification borrower has no obligation or ownership in xxxxproperty reflected on the application in Schedule of REO and on the Fraud Report.   File has borrower's attestation that he has never lived in or does not have any ownership in this property,   Reviewer Comment (2018-02-09): Received Tax Sheet for property showing belonging to xxxxx (Son per letter), Property is also no listed on Divorce Decree.
 02/09/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837789 [Redacted] [Redacted] 5422513 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller's CD reflects $5,998.60, calculates to be $14,183.75.             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837790 [Redacted] [Redacted] 5407899 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx)               2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837790 [Redacted] [Redacted] 5407945 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Closing Disclosure Closing Date xx/xx/xxxx <> xx/xx/xxxx Closing Date.  Note, Mortgage and Final CD dated xx/xx/xxxx acknowledged by Borrower xx/xx/xxxx.             2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837790 [Redacted] [Redacted] 5407958 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Received   Reviewer Comment (2018-03-14): Received CDA and Field Review
 03/14/2018       1 [Redacted] NV Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837790 [Redacted] [Redacted] 5414407 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837790 [Redacted] [Redacted] 5747300 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Desk Review value is less than Appraised value by at least 10%.   Per CDA   Reviewer Comment (2018-03-05): Received Field Review supporting Origination Value
 03/05/2018       1 [Redacted] NV Primary Purchase     A   A   A   A   A Non QM Non QM No C B
202837791 [Redacted] [Redacted] 5409082 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837791 [Redacted] [Redacted] 5409084 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD Fees total $47,533.99 while closing CD seller's fees total $50,956.49.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837791 [Redacted] [Redacted] 5409088 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837791 [Redacted] [Redacted] 5418229 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Guideline Issue:  Foreclosure timeline outside of credit guidelines   Previous foreclosure 2 yrs prior to Close vs 4 yrs minimum requirement per guidelines.   Reviewer Comment (2018-02-06): Foreclosure under xxxxx
 02/06/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837791 [Redacted] [Redacted] 5418454 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): rec'd e-consent
 02/06/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837792 [Redacted] [Redacted] 5425129 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-02-05): Received
 02/05/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202837792 [Redacted] [Redacted] 5425722 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Non-QM due to QM DTI 43.21690% > 43%   Reviewer Comment (2018-02-05): however DTI cannot exceed 43%, exception approval provided for DTI > 43%, again unable to waive as QM cannot exceed 43%


Reviewer Comment (2018-02-05): Received Amended Data Tape changing to SHQM,
 02/05/2018       1 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202837792 [Redacted] [Redacted] 5425725 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-05): Received
 02/05/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202837792 [Redacted] [Redacted] 5432429 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xx/xx/xxxx)               2 [Redacted] FL Primary Purchase   B B B B B B B B B B Higher Priced QM Safe Harbor QM No C B
202837792 [Redacted] [Redacted] 5435653 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided       Reviewer Comment (2018-02-05): Received
 02/05/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202837792 [Redacted] [Redacted] 5436528 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202837792 [Redacted] [Redacted] 5437120 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $255,238.50 < $302,771.24   Reviewer Comment (2018-02-07): Received HUD1 signed final by all parties, simultaneous closing
 02/07/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202837792 [Redacted] [Redacted] 5437147 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing signed final HUD-1 verifying sale of departure residence, 1xxxxx.   Reviewer Comment (2018-02-07): Received HUD1 from sale of other property signed by all parties, simultaneous closing


Reviewer Comment (2018-02-05): Received final HUD1 from sale of previous Residence, missing evidence of receipt of funds.
 02/07/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202837792 [Redacted] [Redacted] 5497868 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received Amended Data Tape             2 [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202837794 [Redacted] [Redacted] 5410891 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] UT Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202837794 [Redacted] [Redacted] 5411178 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Bankruptcy Documents not provided     Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-08): Received exception approval for missing BK docs based on this being over 7 years old, DTI, Reserves, and Residual income


Buyer Comment (2018-02-06): discharged xxxxx


Buyer Comment (2018-01-30): 1/30 per credit report Chapter xxx  shows discharged xxxx
       02/08/2018 2 [Redacted] UT Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837794 [Redacted] [Redacted] 5411699 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.               2 [Redacted] UT Second Home Purchase   B B B B B B B B B B Non QM Non QM No C B
202837794 [Redacted] [Redacted] 5411704 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Final seller CD includes  $55 recording fees not disclosed on the final consumer CD.             2 [Redacted] UT Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837794 [Redacted] [Redacted] 5412674 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)           01/25/2018   1 [Redacted] UT Second Home Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202837794 [Redacted] [Redacted] 5418308 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   TRID:  Missing CD issued xx/xx/xxxx.  Tracking disclosure indicates CD issued xx/xx/xxxx and received xx/xx/xxxx, however CD in file reflects an issue date of xx/xx/xxxx and was electronically signed xx/xx/xxxx.   Reviewer Comment (2018-02-08): Received attestation letter shoeing that there is no CD dated xx/xx..the date issue was incorrect and should have read xx/xx
 02/08/2018       1 [Redacted] UT Second Home Purchase   C A C A C A C A C A Non QM Non QM Yes C B
202837795 [Redacted] [Redacted] 5466856 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NC Second Home Purchase   C A C A C A C A C A Non QM Non QM No C A
202837795 [Redacted] [Redacted] 5467141 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $150.00 tolerance.   Reviewer Comment (2018-02-23): okay to use xx/xx/xxxx dated incorrectly with xx/xx/xxxx
 02/23/2018       1 [Redacted] NC Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202837795 [Redacted] [Redacted] 5467142 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.     Reviewer Comment (2018-02-08): Receved SSPL
 02/08/2018       1 [Redacted] NC Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202837795 [Redacted] [Redacted] 5467143 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) Appraisal Re-Inspection fee not disclosed on initial Loan Estimate dated xx/xx/xxxx.  Fee disclosed on revised Loan Estimate dated xx/xx/xxxx and initial Closing Disclosure dated xx/xx/xxxx.  Change of Circumstance for addition of Appraisal Re-Inspection fee in file but dated xx/xx/xxxx, after revised Loan Estimate and before initial CD.  Change of Circumstance is not valid due to date provided.  Final Closing Disclosure does not reflect a Lender credit for $150.00 tolerance.   Reviewer Comment (2018-02-23): okay to use xx/xx/xxxx dated incorrectly with xx/xx/xxxx


Reviewer Comment (2018-02-23): Sent for Compliance review CHD-5939


Reviewer Comment (2018-02-23): Received same LE dated xx/xx/xxxx
 02/23/2018       1 [Redacted] NC Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202837795 [Redacted] [Redacted] 5467185 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $14,012.67 total fees paid by Seller at closing per Seller's CD  < $14,262.67 total fees paid by Seller ($14,012.67 at closing + $250.00 before closing) per Consumer CD   Reviewer Comment (2018-02-23): N/A Seller POC items
 02/23/2018       1 [Redacted] NC Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202837795 [Redacted] [Redacted] 5480289 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-05): Received
 02/05/2018       1 [Redacted] NC Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202837796 [Redacted] [Redacted] 5442723 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.906%             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837796 [Redacted] [Redacted] 5456918 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Dec page states "100% Replacement cost on dwelling up to policy limit", which is $xxx. Short $xxx.   Reviewer Comment (2018-02-09): Rec'd RCE reflecting $820,000.
 02/09/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837796 [Redacted] [Redacted] 5456932 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-09): rec'd e-consent
 02/09/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837797 [Redacted] [Redacted] 5433505 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 49.945% > 45% Portfolio Select Business Bank Statement Investment program.  Lender's 49.945% DTI > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors:  Credit score, credit history, Residual income and Stable employment Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-08): Received exception approval for DTI based on Credit Score, Credit History, Payment shock, and stable employment
       02/08/2018 2 [Redacted] CA Investment Purchase   C B C B C B C B C B N/A N/A No C B
202837797 [Redacted] [Redacted] 5433916 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing proof of draw on $xxx line, deposit into Borrower's account and copy of cashier's check or wire to title.  $xxx HELOC secured by primary residence source of cash required to close.  Original $xxx xxxx line reduced to $xxx (p 221).   $2,500.00 est. payment included in primary PITI housing expense.   Missing proof of draw on $xxx line, deposit into Borrower's account and copy of cashier's check or wire to title.   Reviewer Comment (2018-02-08): Received wire for funds of $200,000


Buyer Comment (2018-02-05): closing conditions asked for $175,000  not $250,000 and the borrower wired $200,000
 02/08/2018       1 [Redacted] CA Investment Purchase   C A C A C A C A C A N/A N/A No C B
202837797 [Redacted] [Redacted] 5433941 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Guideline Requirement: Available for Reserves discrepancy.   Missing verification $51,597.90 in reserves Portfolio Select Business Bank Statement Investment program (6 months subject $30,222.36 + 2 months primary $21,375.54)   Reviewer Comment (2018-02-08): Received wire for funds
 02/08/2018       1 [Redacted] CA Investment Purchase   C A C A C A C A C A N/A N/A No C B
202837797 [Redacted] [Redacted] 5433958 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   $xxx < $xxx   Reviewer Comment (2018-02-08): Received wire for funds
 02/08/2018       1 [Redacted] CA Investment Purchase   C A C A C A C A C A N/A N/A No C B
202837798 [Redacted] [Redacted] 5462060 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] IL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202837798 [Redacted] [Redacted] 5462130 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-05): Received
 02/05/2018       1 [Redacted] IL Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837798 [Redacted] [Redacted] 5462346 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $15,765.37, while closing CD seller's fees total $18,574.93.             2 [Redacted] IL Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837798 [Redacted] [Redacted] 5482021 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $132.00 exceeds tolerance of $107.00 plus 10% or $117.70.  Sufficient or excess cure was provided to the borrower at Closing. (0)           02/01/2018   1 [Redacted] IL Second Home Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202837798 [Redacted] [Redacted] 5482370 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Exception required to permit funds from business account for use towards reserves. Borrower is not 100% owner of businesses as required per guidelines.  Lender Exception approval not provided. Credit score, residual income. Reviewer Comment (2018-02-08): Rec'd exception for Assets:  100% ownership not met.  Borrower is not 100% owner of businesses as required per guidelines.  Lender exception approval not provided.
       02/08/2018 2 [Redacted] IL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837798 [Redacted] [Redacted] 5482371 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower. Calculated Available for Closing of ___ is less than Cash From Borrower of  ___. Exception required to permit funds from business account for use towards closing. Borrower is not 100% owner of businesses as required per guidelines.  Lender Exception approval not provided. Credit score, residual income. Reviewer Comment (2018-02-08): Rec'd exception for Assets:  100% ownership not met.  Borrower is not 100% owner of businesses as required per guidelines.  Lender exception approval not provided.
       02/08/2018 2 [Redacted] IL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837798 [Redacted] [Redacted] 5485255 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Within 10 days of closing for xxxxx   Reviewer Comment (2018-02-08): Rec'd printout dated xxx.


Buyer Comment (2018-02-05): SOS pulled xxx
 02/08/2018       1 [Redacted] IL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202837800 [Redacted] [Redacted] 5442515 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837800 [Redacted] [Redacted] 5442678 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-09): Updated index
 02/09/2018       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202837800 [Redacted] [Redacted] 5442680 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $900.00 tolerance.             2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837800 [Redacted] [Redacted] 5442682 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Consumer's CD discloses a $475.00 higher amount Buyer's RE Commission fee amount paid by Seller at closing than disclosed on Seller's CD             2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837800 [Redacted] [Redacted] 5442684 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Initiation Fees.  Fee Amount of $900.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $900.00 HOA Initiation Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed in Section C of final Closing Disclosure.   Valid Change of Circumstance not in file.   Fee disclosed in Section C vs. Section H.   Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-09): Received LOE and PCCD putting fee in correct section
     02/09/2018   2 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837801 [Redacted] [Redacted] 5421668 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837801 [Redacted] [Redacted] 5422456 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] FL Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202837801 [Redacted] [Redacted] 5422457 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837801 [Redacted] [Redacted] 5422459 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $1,674.40 State Tax Stamp fee paid by Seller at closing per Seller's CD not disclosed on Consumer's CD             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837801 [Redacted] [Redacted] 5429120 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 5.84 months < 6 months Portfolio Select Bank Statement program.  Lender's 6 months calculation not supported by asset documentation.   Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  DTI and Stable employment history 40.28% DTI on this (Documentation Type) documentation loan < 45% guideline max - 4.72% below program guideline maximum

Borrower has job stability for 13 years in the Industry.		 Reviewer Comment (2018-01-30): Credit Risk Summary & Exception approval p288
       01/30/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837802 [Redacted] [Redacted] 5437861 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CO Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837802 [Redacted] [Redacted] 5438016 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] CO Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202837802 [Redacted] [Redacted] 5438019 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Brokers name not disclosed on CD.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202837802 [Redacted] [Redacted] 5438021 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xx/xx/xxxx disclosed a negative fee amount. (Final/xx/xx/xxxx) Title - Owner's Title Insurance (Optional) -175.00   Reviewer Comment (2018-02-09): Not corrected on PC CD dated xx/xx/xxxx.  Fee should be reflected in the "Paid by Others" column.
         2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837802 [Redacted] [Redacted] 5438022 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 4   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837802 [Redacted] [Redacted] 5438027 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.  Fee was in wrong section on final CD, no violation.
     02/09/2018   2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837802 [Redacted] [Redacted] 5438029 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Transfer.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77121)     Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.  Fee was in wrong section on final CD, no violation.
     02/09/2018   2 [Redacted] CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837802 [Redacted] [Redacted] 5468717 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Credit Risk Summary & Exception Approval in file, page 262. Credit - Alternative documents used for supporting payment history on subject. Compensating Factors: 1) LTV. 2) Payment shock. 3) Residual income. 57.026% < 60% LTV

Borrower on this Bank Statement documentation loan has a disposable income of $7,055.28		 Reviewer Comment (2018-01-31): Compensating Factors: 1) LTV. 2) Payment shock. 3) Residual income.
       01/31/2018 2 [Redacted] CO Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837802 [Redacted] [Redacted] 5469261 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA dues and HOA Transfer shown in Section C should be in Section H.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.  Fee was in wrong section on final CD, no violation.
     02/09/2018   2 [Redacted] CO Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202837804 [Redacted] [Redacted] 5418303 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] VA Investment Purchase   C A C A C A C A C A N/A N/A No C A
202837805 [Redacted] [Redacted] 5417456 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202837805 [Redacted] [Redacted] 5417462 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit The hazard insurance policy does not reflect the Lender as Payee.       Reviewer Comment (2018-02-15): Received hazard dec page with AO listed as mortgagee
 02/15/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202837805 [Redacted] [Redacted] 5417925 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) CD data field is blank.             2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837805 [Redacted] [Redacted] 5417926 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $144.             2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837805 [Redacted] [Redacted] 5417927 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $140.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Fee not disclosed on LE.  Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is therefore included in 0% tolerance testing.   Reviewer Comment (2018-02-15): Fee was disclosed on LE, however terminology changed - Title - Exam fee of $140.00 on LE and Title - Search Fee on CD - terminology changed
 02/15/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202837805 [Redacted] [Redacted] 5417928 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $4.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee not disclosed on LE.  Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is therefore included in 0% tolerance testing.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen
 02/21/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202837805 [Redacted] [Redacted] 5609365 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Fee Terminology TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on xx/xx/xxxx did not use the same fee terminology as the Loan Estimate. (Final/xx/xx/xxxx) Title - Exam fee of $140.00 on LE and Title - Search Fee on CD - terminology changed             2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure   B   B   B   B   B Non QM Non QM Yes C B
202837806 [Redacted] [Redacted] 5431536 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.     Reviewer Comment (2018-02-08): Received


Reviewer Comment (2018-02-06): Document provided is incorrect, looking for cover to Mortgage.
 02/08/2018       1 [Redacted] IL Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202837806 [Redacted] [Redacted] 5431537 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): Received
 02/06/2018       1 [Redacted] IL Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837806 [Redacted] [Redacted] 5431538 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx)               2 [Redacted] IL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837807 [Redacted] [Redacted] 5463366 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 603 score per Lender's credit report dated xxx  < 660 Portfolio Select Business program xxxxx matrix).  Per 1008 Loan Transmittal, Lender's approval and pricing based on 665 score per Broker's credit report dated xxx.   Report dated xxx < 90 days old max on xxx date Note signed. Guideline variance approved by lender at time of origination "Low Front DTI" Borrower Qualifying Housing Ratio of 18.70888% is below the Program Maximum of 40.0000%

Residual Income of $6,851.73 exceeds program minimum of $3,000.00		 Reviewer Comment (2018-02-07): Received Credit Risk Summary & Exception Approval. Credit Score < program requirements. Compensating Factors: 1) Credit History. 2) Low Front DTI. 3) Residual Income.
       02/07/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837807 [Redacted] [Redacted] 5463369 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 5.11 months < 6 months PITI Portfolio Select Business program (xxxxxx).  Lender's 4 months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit history, DTI and Residual income, Guideline variance approved by lender at time of origination "Low Front DTI" Borrower Qualifying Housing Ratio of 18.70888% is below the Program Maximum of 40.0000%

Residual Income of $6,851.73 exceeds program minimum of $3,000.00

Guideline variance approved by lender at time of origination "Clean Mortgage History & Very Good Overall Credit"; Borrower has a 0x30 for 24 months mortgage payment history on previous primary residence.		 Reviewer Comment (2018-02-02): Credit Risk Summary & Exception approval p351
       02/02/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837807 [Redacted] [Redacted] 5463372 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 48.98% >  45% max Portfolio Select Business program (xxxxxx).  Lender's 48.98% DTI > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit history, DTI and Residual income, Guideline variance approved by lender at time of origination "Low Front DTI" Borrower Qualifying Housing Ratio of 18.70888% is below the Program Maximum of 40.0000%

Residual Income of $6,851.73 exceeds program minimum of $3,000.00

Guideline variance approved by lender at time of origination "Clean Mortgage History & Very Good Overall Credit"; Borrower has a 0x30 for 24 months mortgage payment history on previous primary residence.		 Reviewer Comment (2018-02-02): Credit Risk Summary & Exception approval p351
       02/02/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837807 [Redacted] [Redacted] 5463836 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-07): Received
 02/07/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837807 [Redacted] [Redacted] 5463837 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837807 [Redacted] [Redacted] 5482507 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837807 [Redacted] [Redacted] 5482513 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837807 [Redacted] [Redacted] 5482514 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Copy Or Fax Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77172) $25.00 Title - Scanning Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837807 [Redacted] [Redacted] 5489402 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.     Guideline variance approved by lender at time of origination "Low Front DTI" Borrower Qualifying Housing Ratio of 18.70888% is below the Program Maximum of 40.0000%

Residual Income of $6,851.73 exceeds program minimum of $3,000.00

Guideline variance approved by lender at time of origination "Clean Mortgage History & Very Good Overall Credit"; Borrower has a 0x30 for 24 months mortgage payment history on previous primary residence.		 Reviewer Comment (2018-02-02): Credit Risk Summary & Exception approval p351
       02/02/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837807 [Redacted] [Redacted] 5489436 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ within 10 days of closing   Reviewer Comment (2018-02-07): Received


Buyer Comment (2018-02-04): run date from SOS xxx
 02/07/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837808 [Redacted] [Redacted] 5435269 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] CA Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202837808 [Redacted] [Redacted] 5435272 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) 88,776.81 > $17,048.00             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837808 [Redacted] [Redacted] 5435365 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837808 [Redacted] [Redacted] 5436562 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837808 [Redacted] [Redacted] 5438963 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Marital Status was not provided Borrower: xxxxxx Co-Borrower information blank on Final 1003.             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202837809 [Redacted] [Redacted] 5464882 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202837809 [Redacted] [Redacted] 5481471 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___.   Borrower has job stability for 33 years as a xxx. Reviewer Comment (2018-02-06): Received Credit Risk Summary & Exception Approval. Credit Score < LTV requirements. Compensating Factors: 1) Credit History. 2) Stable Employment History.
       02/06/2018 2 [Redacted] FL Investment Purchase   C B C B C B C B C B N/A N/A No C B
202837810 [Redacted] [Redacted] 5430900 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance coverage is insufficient to cover estimated cost new of $672,350.00 reported on the appraisal.  Coverage shortfall is $283,600.00.   Reviewer Comment (2018-02-22): Received letter from xxxxx giving estimated replacement cost


Reviewer Comment (2018-02-09): Replacement cost estimator not provided.
 02/22/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No D A
202837810 [Redacted] [Redacted] 5430908 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided       Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] CA Primary Purchase   D A D A D A D A D A Non QM Non QM No D A
202837810 [Redacted] [Redacted] 5430910 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided       Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] CA Primary Purchase   D A D A D A D A D A Non QM Non QM No D A
202837810 [Redacted] [Redacted] 5430932 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No D A
202837811 [Redacted] [Redacted] 5440724 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202837811 [Redacted] [Redacted] 5440874 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): rec'd e-consent
 02/06/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202837811 [Redacted] [Redacted] 5444413 [Redacted] [Redacted] Credit Missing Document General Missing Document Incomplete Document: Closing Disclosure is incomplete   Missing Closing Disclosure dated xx/xx/xxxx, per Tracking tool in file.   Reviewer Comment (2018-02-06): Rec'd xx/xx/xxxx CD.
 02/06/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202837813 [Redacted] [Redacted] 5463638 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837813 [Redacted] [Redacted] 5463977 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): Received
 02/06/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837813 [Redacted] [Redacted] 5473459 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $24,748.75 in fees paid by Seller at closing per Seller's CD, $311.00 less than $25,059.75 in fees paid by Seller at closing per Consumer's CD.  $236.00 higher Title- Escrow fee and $75.00 higher Title - Title Search fee amounts paid by Seller at closing disclosed on Consumer's CD             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837814 [Redacted] [Redacted] 5417255 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 3.40 months < 6 months ($8,143.02) PITI reserves Portfolio Select Second Home program.  Lender's 6 months calculation not supported by asset verification in file. Residual income, payment shock Reviewer Comment (2018-01-30): Rec'd exception for reserve requirements not met.
       01/30/2018 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837814 [Redacted] [Redacted] 5417263 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202837814 [Redacted] [Redacted] 5417566 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 678 score per Lender's credit report < 680 required for 85% LTV under Portfolio Select Second Home program.  Exception not acknowledged by Lender Residual income, payment shock Reviewer Comment (2018-01-30): Rec'd exception for credit score < program requirements.
       01/30/2018 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837814 [Redacted] [Redacted] 5417815 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-01-30): cleared with compliance re-run
 01/30/2018       1 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202837814 [Redacted] [Redacted] 5417817 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for$380.00  tolerance.   Reviewer Comment (2018-01-30): Cleared with compliance re-run.
 01/30/2018       1 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202837814 [Redacted] [Redacted] 5417818 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $395.00 addition fees paid by Seller at closing per Consumer's CD not disclosed on Seller's CD             2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837814 [Redacted] [Redacted] 5421934 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC).  Fee Amount of $230.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77208) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $230.00 tolerance.   Reviewer Comment (2018-01-30): Cleared with compliance re-run.
 01/30/2018       1 [Redacted] FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202837814 [Redacted] [Redacted] 5421936 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $150.00 tolerance.   Reviewer Comment (2018-01-30): Cleared with compliance re-run.
 01/30/2018       1 [Redacted] FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202837814 [Redacted] [Redacted] 5425225 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. $xxx < $150,000.00 loan amount w/Lender Paid Compensation under Portfolio Select Second Home program.  Exception not acknowledged by Lender Residual income, payment shock Reviewer Comment (2018-02-07): Rec'd exception for loan amount < minimum required of $150,000.
       02/07/2018 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837815 [Redacted] [Redacted] 5456505 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NV Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837815 [Redacted] [Redacted] 5456773 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] NV Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837815 [Redacted] [Redacted] 5456775 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837815 [Redacted] [Redacted] 5456776 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $125.00 tolerance.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837815 [Redacted] [Redacted] 5468838 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Inspection Fee.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $50.00 Inspection Fee.  Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Provider for this fee is same as the provider for other title fees disclosed in Section C on the initial Loan Estimate Fee is not disclosed as Title - Inspection Fee.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] NV Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837815 [Redacted] [Redacted] 5468985 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Signing Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77184) $75.00 fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] NV Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837815 [Redacted] [Redacted] 5542003 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Loan Tie-In Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77176) Reran Compliance   Reviewer Comment (2018-02-09): Reran Compliance
 02/09/2018       1 [Redacted] NV Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD   A   A   A   A   A Non QM Non QM Yes C B
202837815 [Redacted] [Redacted] 5542004 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Reran Compliance   Reviewer Comment (2018-02-09): Reran Compliance
 02/09/2018       1 [Redacted] NV Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD   A   A   A   A   A Non QM Non QM Yes C B
202837816 [Redacted] [Redacted] 5466817 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-02-06): Received
 02/06/2018       1 [Redacted] GA Investment Purchase   C A C A C A C A C A N/A N/A No C B
202837816 [Redacted] [Redacted] 5466875 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Investment Purchase   C A C A C A C A C A N/A N/A No C B
202837816 [Redacted] [Redacted] 5484506 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   99 NSF funds present on bank statements provided for income - no LOE from Borrower or UW comment found in file. 3.608% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $198,625.09		 Reviewer Comment (2018-02-06): Received Credit Risk Summary & Exception Approval. 99 NSF funds present on bank statements provided for income - no LOE from Borrower or UW comment found in file. Compensating Factors: 1) DTI. 2) Residual Income. 3) Stable Employment History.


Buyer Comment (2018-02-03): Please review assets again, I did notice NSF fees not addressed however 99 appears incorect
       02/06/2018 2 [Redacted] GA Investment Purchase   C B C B C B C B C B N/A N/A No C B
202837818 [Redacted] [Redacted] 5464058 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837818 [Redacted] [Redacted] 5470066 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $8,515.42 while CD seller's fees total $34,194.07.             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837818 [Redacted] [Redacted] 5470067 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $7,079.44 exceeds tolerance of $6,544.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)           01/31/2018   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202837818 [Redacted] [Redacted] 5470829 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   Payment shock > 200% guideline max for FTHB.  Lender exception approval granted (pg. 261) with comp factors: Low DTI and high residual income. 20.70987% DTI on this Alternative - Business bank statement documentation loan < 45% guideline max - 24% below program guideline maximum

Borrower on this Alternative - Business bank statement documentation loan has a disposable income of $20,805.54		 Reviewer Comment (2018-01-31): Lender Exception Approval provided.
       01/31/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837819 [Redacted] [Redacted] 5452630 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $16,500.00 while CD seller's fees total $16,550.00.             2 [Redacted] GA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837819 [Redacted] [Redacted] 5459609 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > 45%.  Lender exception approval (pg.308) granted with compensating factors: good reserves and credit history. Consumer credit history reflects no late payments in last 99 months.

70.09 months reserves > 6 months guideline minimum		 Reviewer Comment (2018-01-31): Lender exception approval provided.
       01/31/2018 2 [Redacted] GA Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837820 [Redacted] [Redacted] 5433786 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] SC Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202837820 [Redacted] [Redacted] 5438061 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Note Error: Prepayment penalty balance type is blank.   Missing Note Prepayment Penalty Rider.   Reviewer Comment (2018-02-22): Received PCCD and attestation letter removing Prepayment Penalty
 02/22/2018       1 [Redacted] SC Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202837821 [Redacted] [Redacted] 5429602 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] SC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837821 [Redacted] [Redacted] 5429891 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-08): Received
 02/08/2018       1 [Redacted] SC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837821 [Redacted] [Redacted] 5429892 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Partial Payments TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xx/xx/xxxx) Final CD did not provide whether loan allows for partial payments, box not selected.   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202837821 [Redacted] [Redacted] 5429894 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $11,287.60 > $10,447.60   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] SC Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837821 [Redacted] [Redacted] 5431087 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-09): cleared with compliance re-run
 02/09/2018       1 [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202837823 [Redacted] [Redacted] 5432756 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837823 [Redacted] [Redacted] 5438656 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Verification of receipt of funds from sale of departing residence was not provided. 23% DTI on this Alt documentation loan < 50% guideline max

Borrower on this Alt documentation loan has a disposable income of $10,900		 Reviewer Comment (2018-02-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/08/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837823 [Redacted] [Redacted] 5438692 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-08): Received
 02/08/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837824 [Redacted] [Redacted] 5443283 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval, pg 243. DTI > maximum allowed. Compensating Factors: 1) Credit History 2) Employment History. Consumer credit payment history is 0x30x36.

Borrower has job stability for 22 years as an xxx		 Reviewer Comment (2018-01-31): Lender approved exception.
       01/31/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837824 [Redacted] [Redacted] 5443325 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837824 [Redacted] [Redacted] 5443971 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Final CD does not reflect Mortgage Broker Contact Name.   Reviewer Comment (2018-02-06): Rec'd LOE, corrected CD and evidence of emailing.
     02/06/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202837824 [Redacted] [Redacted] 5464029 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval, pg 243. Reserve requirements not met; 3.08 months < 6 months guideline minimum. Compensating Factors: 1) Credit History 2) Employment History. Consumer credit payment history is 0x30x36.

Borrower has job stability for 22 years as an xxx		 Reviewer Comment (2018-01-31): Lender approved exception.
       01/31/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837824 [Redacted] [Redacted] 5464474 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): Received
 02/06/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837824 [Redacted] [Redacted] 5464501 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Estoppel Fee, HOA fees and Home Warranty Fee listed in section C instead of H.             2 [Redacted] FL Primary Purchase Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202837824 [Redacted] [Redacted] 5477351 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Credit Risk Summary & Exception Approval, pg 243. DTI > maximum allowed. Compensating Factors: 1) Credit History 2) Employment History. Consumer credit payment history is 0x30x36.

Borrower has job stability for 22 years as an xxx		 Reviewer Comment (2018-02-01): Lender exception approval provided.
       02/01/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837825 [Redacted] [Redacted] 5458209 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx)               2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837825 [Redacted] [Redacted] 5458223 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837825 [Redacted] [Redacted] 5479168 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 2.014%             2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837826 [Redacted] [Redacted] 5464172 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837826 [Redacted] [Redacted] 5465957 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837826 [Redacted] [Redacted] 5469698 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 5.66 months ($40,128.89) < 12 months  ($85,151.40) PITI reserves under Portfolio Select Bank Statement program (xxxxxx).   12 months required for 254.69% payment shock >250%.  Lender's 5 months < 12 months.   Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors:  DTI and Residual income DTI 23% Reviewer Comment (2018-02-05): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/05/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837826 [Redacted] [Redacted] 5469843 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-05): Received
 02/05/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837826 [Redacted] [Redacted] 5469850 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Disclosure reflects $1,300.00 homeowner's insurance premium.  Should be $1,272.96 @ $106.08 per month.  Evidence of Insurance Premium Notice  (xx/xx/xxxx - xxx), annual premium amount $1,273.00.  Current balance due of $1,300.00 includes $25.00 agency fee + $2.00 surcharge.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837826 [Redacted] [Redacted] 5469851 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $17,538.15 Marketing fee paid by Seller at closing per Seller's CD not disclosed on Consumer's CD             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837826 [Redacted] [Redacted] 5471814 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $75.00 Lender credit for tolerance.         02/01/2018   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202837826 [Redacted] [Redacted] 5500616 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx) Received dated xx/xx/xxxx             2 [Redacted] FL Primary Purchase No Defined Cure   B   B   B   B   B Non QM Non QM No C B
202837827 [Redacted] [Redacted] 5462500 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI does exceed 45% but meets the exception policy based on compensating factors of front end ratio of 15.9%, reserves, and residual income of $8400. HDTI is 15.9% < 40% guideline max.

Borrower on this Full documentation loan has a disposable income of $8,521.13

38 months reserves > 6 months guideline minimum - borrowers have verified reserves of $44,310.45.		 Reviewer Comment (2018-02-01): Lender Exception approval provided.
       02/01/2018 2 [Redacted] FL Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202837827 [Redacted] [Redacted] 5463892 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202837827 [Redacted] [Redacted] 5470955 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): Received
 02/06/2018       1 [Redacted] FL Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837828 [Redacted] [Redacted] 5463301 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837828 [Redacted] [Redacted] 5463523 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.21630% or Final Disclosure APR of 6.30900% is in excess of allowable threshold of APOR 4.01% + 1.5%, or 5.51000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-02): Re-ran compliance after review of appraisal
 02/02/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837828 [Redacted] [Redacted] 5463526 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-07): rec'd e-consent
 02/07/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837828 [Redacted] [Redacted] 5463530 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-07): Cleared with compliance re-run
 02/07/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202837828 [Redacted] [Redacted] 5463531 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $9.00 tolerance.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen


Reviewer Comment (2018-02-07): In compliance review.
 02/21/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202837828 [Redacted] [Redacted] 5478305 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 4.23 months < 6 months Platinum Bank Statement  program.  Lender's 6 months calculation not supported by asset documentation in file. Stable employment history, credit history. Reviewer Comment (2018-02-07): Rec'd exception for reserve requirements not met.
       02/07/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837828 [Redacted] [Redacted] 5478309 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 46.49% < 45% Platinum Bank Statement  program.  Lender's DTI 48.42% > 45%.  Lender's Credit Risk Summary & Exception Approval.   Compensating factors: Credit history and Stable employment history Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-02): Credit Risk Summary & Exception approval p361
       02/02/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837828 [Redacted] [Redacted] 5481662 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   xxxxxxxxx   Reviewer Comment (2018-02-21): Received statement showing breakdown of PITI - Taxes and insurance are included


Reviewer Comment (2018-02-07): Rec'd bank statements showing xxxxx payment.  Still missing proof payment includes escrow for taxes and insurance.


Buyer Comment (2018-02-05): investment property- 12 Months payments with income and payments to xxx
 02/21/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837828 [Redacted] [Redacted] 5481994 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Initial and Final Closing Disclosures.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen


Reviewer Comment (2018-02-07): In compliance review.


Buyer Comment (2018-02-05): provider used is not on SSPL - this is a purchase
 02/21/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202837829 [Redacted] [Redacted] 5443135 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Flood Certificate not provided       Reviewer Comment (2018-02-09): Rec'd flood cert.
 02/09/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837829 [Redacted] [Redacted] 5443419 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xx/xx/xxxx) Initial CD sent on xx/xx/xxxx was not found in the loan file.   Reviewer Comment (2018-02-09): Rec'd initial CD dated xx/xx/xxxx
 02/09/2018       1 [Redacted] GA Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202837829 [Redacted] [Redacted] 5443440 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. Loan amount < Guideline minimum. Lender exception approval granted with compensating factors: 70% LTV, excess residual income, and 739 FICO. 739 representative FICO score > 700 guideline minimum - 39 points above guideline minimum

70% LTV < 90% guideline max

Borrower on this Alternative documentation loan (12 months personal bank statements) has a disposable income of $23,660.70.		 Reviewer Comment (2018-01-31): Lender exception approval provided.
       01/31/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837829 [Redacted] [Redacted] 5443441 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837829 [Redacted] [Redacted] 5468334 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $8,515.42 while CD seller's fees total $8,420.33.             2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202837830 [Redacted] [Redacted] 5460861 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received
 03/01/2018       1 [Redacted] OH Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
202837830 [Redacted] [Redacted] 5460870 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 46.94% > 45% Non-Prime Recent Housing Event program.  Lender's 46.95% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors:  Residual income and Stable employment Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-01): Credit Risk Summary & Exception approval P329
       02/01/2018 2 [Redacted] OH Primary Purchase   C B C B C B C B C B Non QM Non QM No C C
202837830 [Redacted] [Redacted] 5461033 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.               2 [Redacted] OH Primary Purchase   B B B B B B B B B B Non QM Non QM No C C
202837830 [Redacted] [Redacted] 5461034 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): Received
 02/06/2018       1 [Redacted] OH Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C C
202837830 [Redacted] [Redacted] 5461035 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Deposit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Deposit. (Final/xx/xx/xxxx)               2 [Redacted] OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C C
202837830 [Redacted] [Redacted] 5461037 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C C
202837830 [Redacted] [Redacted] 5461039 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) No seller paid fees listed on consumer CD, all from Seller CD.             2 [Redacted] OH Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C C
202837830 [Redacted] [Redacted] 5475925 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Missing verification of the existence of the business required within ten (10) days of closing for xxxx   Reviewer Comment (2018-02-06): Received Vvoe from company on 1099's.
 02/06/2018       1 [Redacted] OH Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
202837830 [Redacted] [Redacted] 5476265 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing copy of wire and escrow's receipt of $121,023.77 net proceeds from sale of Borrowers departing residence xxxxx. Loan file did not contain any other asset verification for closing and or reserves.   Reviewer Comment (2018-02-09): Received Cancelled Check from Title Company verifying Proceeds to borrower in amount of $121,023.77 from sale of previous res.


Reviewer Comment (2018-02-08): Received wire for subject transaction, not sale of previous residence


Reviewer Comment (2018-02-06): This requirement cannot be waived - 24 days between disbursement of sale of xxxxxx and subject transaction.
 02/09/2018       1 [Redacted] OH Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
202837830 [Redacted] [Redacted] 5476291 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing verification 3 months ($8,317.71) PITI reserves Non-Prime Recent Housing Event program   Reviewer Comment (2018-02-09): Received Cancelled Check from Title Company verifying Proceeds to borrower in amount of $121,023.77 from sale of previous res.


Reviewer Comment (2018-02-06): Proof of receipt of funds cannot be waived - 24 days between disbursement of sale of xxxxxx and subject transaction.
 02/09/2018       1 [Redacted] OH Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
202837830 [Redacted] [Redacted] 5476704 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xx/xx/xxxx) Valuation Received Date xx/xx/xxxx < xx/xx/xxxx Valuation Report Date             2 [Redacted] OH Primary Purchase   B B B B B B B B B B Non QM Non QM No C C
202837830 [Redacted] [Redacted] 5476779 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Short cash to close: Verified assets of ___ is short the required cash to close of ___ Missing verification $98,712.14 cash required to close   Reviewer Comment (2018-02-09): Received Cancelled Check from Title Company verifying Proceeds to borrower in amount of $121,023.77 from sale of previous res.


Reviewer Comment (2018-02-08): Wire is for current transaction need proof of funds from sale of other home


Reviewer Comment (2018-02-06): Proof of receipt of funds cannot be waived - 24 days between disbursement of sale of xxxxxx and subject transaction.
 02/09/2018       1 [Redacted] OH Primary Purchase   C A C A C A C A C A Non QM Non QM No C C
202837830 [Redacted] [Redacted] 5747309 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Desk Review value is less than Appraised value by at least 10%.   Per CDA             3 [Redacted] OH Primary Purchase     C   C   C   C   C Non QM Non QM No C C
202837831 [Redacted] [Redacted] 5456284 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] IN Investment Purchase   C A C A C A C A C A N/A   No C A
202837832 [Redacted] [Redacted] 5452455 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202837832 [Redacted] [Redacted] 5454282 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Title: Evidence of title is missing       Reviewer Comment (2018-02-08): Received Final Title
 02/08/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202837832 [Redacted] [Redacted] 5454563 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-02-13): rec'd signed disclosure
 02/13/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202837832 [Redacted] [Redacted] 5454566 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) and/or (TX50(t))  No Title in the loan file or Title indicates other lien(s) exist Texas Constitution Section 50(a)(6): Title, title search/report, or other documentation to verify additional liens against property not in file. Unable to conclusively determine compliance with 80% CLTV limitation.     Reviewer Comment (2018-02-08): No previous mortgage paid off on the Final CD.
 02/08/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Confirm whether additional lien exists on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. If the other lien is a 50(a)(6), notify the consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead.  If the other lien is not a 50(a)(6), confirm the total CLTV does not exceed 80%, If the CLTV exceeds 80%, send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B A B A B A B A B A Non QM Non QM No C B
202837832 [Redacted] [Redacted] 5454568 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Previous loan refinanced within twelve (12) month period of consummation) Unable to test refinance within twelve (12) month period due to missing information.     Reviewer Comment (2018-02-08): No previous mortgage
 02/08/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A C A C A C A C A Non QM Non QM Yes C B
202837832 [Redacted] [Redacted] 5454570 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. E-sign consent agreement not provided.   Reviewer Comment (2018-02-08): Received
 02/08/2018       1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837832 [Redacted] [Redacted] 5474299 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $170.00 exceeds tolerance of $146.00 plus 10% or $160.60.  Sufficient or excess cure was provided to the borrower at Closing. (0)           02/01/2018   1 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202837832 [Redacted] [Redacted] 5474698 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-08): Rec'd LOE, corrected CD and evidence of emailing.
     02/08/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837832 [Redacted] [Redacted] 5474699 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $170.00 exceeds tolerance of $146.00 plus 10% or $160.60.  Insufficient or no cure was provided to the borrower. (0)     Reviewer Comment (2018-02-08): Rec'd LOE, corrected CD and evidence of emailing.
     02/08/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837832 [Redacted] [Redacted] 5474700 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $6.40 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from elsewhere they are included in tolerance testing   Reviewer Comment (2018-02-08): Rec'd LOE, corrected CD and evidence of emailing.
     02/08/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837832 [Redacted] [Redacted] 5474701 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $3.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77183) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from elsewhere they are included in tolerance testing   Reviewer Comment (2018-02-08): Rec'd LOE, corrected CD and evidence of emailing.
     02/08/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837832 [Redacted] [Redacted] 5474703 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee.  Fee Amount of $38.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77188) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from elsewhere they are included in tolerance testing   Reviewer Comment (2018-02-08): Rec'd LOE, corrected CD and evidence of emailing.
     02/08/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837832 [Redacted] [Redacted] 5474704 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC).  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77208) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from elsewhere they are included in tolerance testing   Reviewer Comment (2018-02-08): Rec'd LOE, corrected CD and evidence of emailing.
     02/08/2018   2 [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202837834 [Redacted] [Redacted] 5462255 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202837834 [Redacted] [Redacted] 5490254 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: ___ xxxxxxx   Reviewer Comment (2018-02-12): Received verification of business


Reviewer Comment (2018-02-07): Rec'd xxx.  Missing xxx.
 02/12/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202837835 [Redacted] [Redacted] 5463128 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202837835 [Redacted] [Redacted] 5474996 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-08): Received
 02/08/2018       1 [Redacted] FL Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837835 [Redacted] [Redacted] 5474997 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837835 [Redacted] [Redacted] 5474998 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) $175.00 Title - Title Search fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter


Reviewer Comment (2018-02-14): Letter provided is not acceptable


Reviewer Comment (2018-02-08): Nothing received to clear this exception.


Buyer Comment (2018-02-05): this is a purchase...borrower used someone that is not on SSPL
 02/23/2018       1 [Redacted] FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202837835 [Redacted] [Redacted] 5478512 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xx/xx/xxxx) Proof valuation ($xxx)  dated xx/xx/xxxx provided to Borrower not in file.             2 [Redacted] FL Second Home Purchase   B B B B B B B B B B Non QM Non QM No C B
202837836 [Redacted] [Redacted] 5460960 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202837837 [Redacted] [Redacted] 5456824 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-07): Receieved disclosure
 02/07/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837837 [Redacted] [Redacted] 5456830 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202837837 [Redacted] [Redacted] 5456977 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837837 [Redacted] [Redacted] 5462259 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 5.35 months < 6 months xxx Bank Statement program.  Lender's 3 months calculation < 6 months.    Lender's Credit Risk Summary & Exception Approval in file.    Compensating factors:  DTI and Residual income DTI of 34% is less than the guideline limit of 45%.

Residual income of $12,044 is greater than the guideline requirement of $3,000.		 Reviewer Comment (2018-01-31): Lender approved exception.
       01/31/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837838 [Redacted] [Redacted] 5466799 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval, pg 514. Reserves: Requirements not met. Compensating Factors: 1) DTI 2) Residual Income. DTI of 29.34% is less than the guideline maximum of 45%.

Residual income of $19,079 is greater than the required amount of $3,000.		 Reviewer Comment (2018-02-01): Lender approved exception.
       02/01/2018 2 [Redacted] CO Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202837838 [Redacted] [Redacted] 5466810 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CO Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837838 [Redacted] [Redacted] 5467034 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): Received
 02/06/2018       1 [Redacted] CO Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202837838 [Redacted] [Redacted] 5467075 [Redacted] [Redacted] Property Collateral General Collateral Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: xxxxx     Reviewer Comment (2018-02-06): Received copy of appraisers license effective xxx - xxx
 02/06/2018       1 [Redacted] CO Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837838 [Redacted] [Redacted] 5476957 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $67.30 exceeds tolerance of $66.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)           02/01/2018   1 [Redacted] CO Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202837839 [Redacted] [Redacted] 5460696 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202837839 [Redacted] [Redacted] 5460921 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Broker Contact name was not disclosed on the Final CD under the Contact Information section.   Reviewer Comment (2018-02-08): Received PC CD and LOE
     02/08/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202837839 [Redacted] [Redacted] 5480233 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen
 02/21/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202837839 [Redacted] [Redacted] 5480234 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen
 02/21/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202837839 [Redacted] [Redacted] 5480235 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen
 02/21/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202891962 [Redacted] [Redacted] 5467150 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891962 [Redacted] [Redacted] 5467460 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] MI Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202891962 [Redacted] [Redacted] 5486811 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $31.48 exceeds tolerance of $27.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520) Sufficient cure provided.         02/02/2018   1 [Redacted] MI Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202891962 [Redacted] [Redacted] 5490752 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing fully executed closing statement and verification of receipt of funds for sale of departure residence.   Reviewer Comment (2018-02-14): Received
 02/14/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891962 [Redacted] [Redacted] 5490755 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing fully executed closing statement and verification of receipt of funds for sale of departure residence.   Reviewer Comment (2018-02-14): Received
 02/14/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891963 [Redacted] [Redacted] 5474790 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Title - Tax Related Service Fee $27.00 toxxxxxx   Reviewer Comment (2018-02-08): Rec'd LOE, corrected payee on CD and evidence of emailing.
     02/08/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891963 [Redacted] [Redacted] 5474794 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $85.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-08): Rec'd LOE, corrected payee name on final CD and evidence of emailing.
     02/08/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202891963 [Redacted] [Redacted] 5479866 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202891963 [Redacted] [Redacted] 5491155 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Credit Risk Summary & Exception Approval in file, page 238. Housing history requirements not met. Compensating Factor: LTV. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-05): Exception approval for VOR/VOM based on credit history, DTI, and Stable Employment History


Reviewer Comment (2018-02-05): Received exception approval with comp factors


Reviewer Comment (2018-02-02): Compensating Factor: LTV - not valid.
       02/05/2018 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202891963 [Redacted] [Redacted] 5491554 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Document in file has fax date and signature date as 0xx/xx/xxxx.   Reviewer Comment (2018-02-08): rec'd evidence ARM disclosure sent within 3 days
 02/08/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202891964 [Redacted] [Redacted] 5472564 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): Received
 02/06/2018       1 [Redacted] MI Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202891964 [Redacted] [Redacted] 5472666 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-14): Received CDA within 10% tolerance of appraisal
 03/14/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202891964 [Redacted] [Redacted] 5489705 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing executed settlement statement for sale of xxxxx Also, missing proof of Borrower receiving funds from sale.   Reviewer Comment (2018-02-08): Received HUD for sale of home


Reviewer Comment (2018-02-08): Received proof of sale


Reviewer Comment (2018-02-08): Received exception approval for missing sale of home, for assets for reserves based on DTI and LTV
 02/08/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202891964 [Redacted] [Redacted] 5489706 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   Missing executed settlement statement for sale of 88 Sunningdale Dr. Also, missing proof of Borrower receiving funds from sale.   Reviewer Comment (2018-02-08): Received HUD for sale of home


Reviewer Comment (2018-02-08): Received exception approval for missing proof of sale, cannot waive cash to close


Reviewer Comment (2018-02-06): Received signed Closing Disclosure issued xx/xx/xxxx, now need proof of Closing agent or Borrower receiving funds from Bankers Title from sale of xxxxxx.
 02/08/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202891965 [Redacted] [Redacted] 5474319 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202891965 [Redacted] [Redacted] 5486225 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ xxxxxxx Borrower on this Full documentation loan has a disposable income of $4200

21 months reserves > 3 months guideline minimum		 Reviewer Comment (2018-02-09): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/09/2018 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202891965 [Redacted] [Redacted] 5497651 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $465.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507) Final Closing Disclosure discloses a $465.00 Lender credit for tolerance.         02/05/2018   1 [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202891966 [Redacted] [Redacted] 5474458 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202891966 [Redacted] [Redacted] 5492664 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. Loan amount is less than guideline minimum of $150,000.00 for Owner Occupied home with Lender paid compensation; Lender exception approval not provided. Borrower on this Full documentation loan has a disposable income of $5128

16 months reserves > 3 months guideline minimum		 Reviewer Comment (2018-02-09): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/09/2018 2 [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202891967 [Redacted] [Redacted] 5472942 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891967 [Redacted] [Redacted] 5473131 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-05): Received
 02/05/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202891967 [Redacted] [Redacted] 5473132 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for tolerance.             2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891967 [Redacted] [Redacted] 5480224 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-08): Cleared with compliance re-run.
 02/08/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202891967 [Redacted] [Redacted] 5480226 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $14.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen
 02/21/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202891967 [Redacted] [Redacted] 5489645 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Guaranty Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-08): Duplicate
 02/08/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202891967 [Redacted] [Redacted] 5489746 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $22,742.05 in fees paid by Seller at closing per Seller's CD < $22,992.05 in fes paid by Seller at closing per Consumer's CD.  Consumer's CD discloses a $250.00 Title - Notary Fee not disclosed on Seller's CD             2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891967 [Redacted] [Redacted] 5536681 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77183) Duplicate.   Reviewer Comment (2018-02-08): Rec'd LOE, corrected payee name on final CD and evidence of emailing.
     02/08/2018   2 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD   B   B   B   B   B Non QM Non QM Yes C B
202891968 [Redacted] [Redacted] 5478276 [Redacted] [Redacted] Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-02-06): Received 1003
 02/06/2018       1 [Redacted] CA Primary Purchase   B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202891968 [Redacted] [Redacted] 5478462 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-09): Received Post Disaster Inspection showing no damage as of inspection xx/xx/xxxx
       02/09/2018 2 [Redacted] CA Primary Purchase   B B B B B B B B B B Higher Priced QM Safe Harbor QM No C B
202891968 [Redacted] [Redacted] 5478504 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Approval not provided   Underwriter approval not found in file.   Reviewer Comment (2018-02-06): Received approval
 02/06/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202891968 [Redacted] [Redacted] 5478840 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2018-02-06): Lender provided updated data tape
 02/06/2018       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202891968 [Redacted] [Redacted] 5478843 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Closing Disclosure Total Closing Costs Exceeds Limits Amount TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on xx/xx/xxxx disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Initial/xx/xx/xxxx) $225.00 > $0.00             2 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202891968 [Redacted] [Redacted] 5478845 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/xx/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/xx/2018) Mortgage notary date is xx/xx/xxxx.             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202891968 [Redacted] [Redacted] 5496361 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.   No documentation provided in the file to indicate that either the Closing Agent or the Borrower received the $227,000 gift funds.   Reviewer Comment (2018-02-07): Received proof of receipt wire funds
 02/07/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202891968 [Redacted] [Redacted] 5496368 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction ___ Mortgage notary date xx/xx/xxxx.   Reviewer Comment (2018-02-09): Policy in effect prior to disbursement


Buyer Comment (2018-02-07): This is a xxxx loan and it did disburse until xx/xx/xxxx it is customary for xxxxx to have policy start after closing.
 02/09/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202891968 [Redacted] [Redacted] 5517263 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Lender provided updated data tape             2 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202891970 [Redacted] [Redacted] 5469355 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent form not provided             2 [Redacted] CA Primary Refinance - Rate/Term No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202891970 [Redacted] [Redacted] 5469473 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Verified reserves do not meet guideline minimum of 6 months; no lender exception approval provided. 20.183% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $15,977.02		 Reviewer Comment (2018-02-06): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income. 3) Stable Employment History.
       02/06/2018 2 [Redacted] CA Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202891970 [Redacted] [Redacted] 5469474 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202891971 [Redacted] [Redacted] 5472746 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891971 [Redacted] [Redacted] 5472973 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains a Demand Feature. (Final/xx/xx/xxxx) Final CD did not select an option under the Demand Feature of the Loan Disclosures section.   Reviewer Comment (2018-02-08): Corrected PC CD provided - xx/xx/xxxx
 02/08/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202891971 [Redacted] [Redacted] 5472975 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Negative Amortization TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains Negative Amortization. (Final/xx/xx/xxxx) Final CD did not select an option under Negative Amortization of the Loan Disclosures section.   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202891971 [Redacted] [Redacted] 5472976 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Partial Payments TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xx/xx/xxxx) Final CD did not select an option under Partial Payments of the Loan Disclosures section.   Reviewer Comment (2018-02-08): Corrected PC CD provided - xx/xx/xxxx
 02/08/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C B
202891971 [Redacted] [Redacted] 5472980 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $275.00 Title - Survey Fee   Reviewer Comment (2018-02-15): Page 628 of loan file shows survey was ordered by xxxx (same provider)


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, andxxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.


Reviewer Comment (2018-02-08): COC provided does not reflect a valid change of circumstance.
 02/15/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202891971 [Redacted] [Redacted] 5481958 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $275.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77187)     Reviewer Comment (2018-02-15): Page 628 of loan file shows survey was ordered by xxxx (same provider)


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/15/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202891973 [Redacted] [Redacted] 5472281 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A   No C A
202891974 [Redacted] [Redacted] 5473756 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891974 [Redacted] [Redacted] 5473885 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.               2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202891974 [Redacted] [Redacted] 5473888 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-06): Received
 02/06/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202891974 [Redacted] [Redacted] 5473889 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)               2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891974 [Redacted] [Redacted] 5490653 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $39,912.62 IRS Payoff, $200.00 Resale Certificate, $104.00 Reimbursement for resale and $80.00 Special Warranty Deed fees/disbursements paid by Seller at closing per Seller's CD not disclosed on Consumer's CD             2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202891975 [Redacted] [Redacted] 5480641 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Investment Purchase   C A C A C A C A C A Non QM   No C A
202891976 [Redacted] [Redacted] 5475460 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Federal HPML 2014 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.64950% or Final Disclosure APR of 7.76000% is in excess of allowable threshold of APOR 4.01% + 1.5%, or 5.51000%.  Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-08): Received copy of xxxxxx.
 02/08/2018       1 [Redacted] FL Primary Purchase   A A A A A A A A A A Non QM Non QM No C B
202891976 [Redacted] [Redacted] 5475803 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Loan Type TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Loan Type that does not match the actual loan type for the loan. (Final/xx/xx/xxxx) "Other - Non-"             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891976 [Redacted] [Redacted] 5475804 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Used index value from rate lock sheet             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891976 [Redacted] [Redacted] 5476208 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891976 [Redacted] [Redacted] 5500485 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Verification of Identification not provided   Photo ID not found in file   Reviewer Comment (2018-02-08): Received.
 02/08/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891977 [Redacted] [Redacted] 5483994 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Lender is to order a secondary appraisal upon securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891977 [Redacted] [Redacted] 5489980 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD Fees total $19,388.93 while closing CD seller's fees total $18,445.27.             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202891977 [Redacted] [Redacted] 5490136 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___   Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-14): Exception approval for missing xxxx, xxxx in file and tax transcripts, LTV, DTI


Reviewer Comment (2018-02-13): Documents were re-reviewed.  The original file contains a xxxxxI.  Missing xxxx


Buyer Comment (2018-02-10): It is part of the original package.


Reviewer Comment (2018-02-09): Nothing uploaded.


Buyer Comment (2018-02-07): Tax returns and transcripts supplied along with xxxx and proof of reciept
       02/14/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202891978 [Redacted] [Redacted] 5472953 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) HOI Prepaids section is paying the remaining balance on the policy and listed it as a 12 months prepaid.             2 [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes B B
202891978 [Redacted] [Redacted] 5500123 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Not provided.   Reviewer Comment (2018-02-08): Received
 02/08/2018       1 [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No B B
202891979 [Redacted] [Redacted] 5475957 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.               2 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202891979 [Redacted] [Redacted] 5476129 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202891979 [Redacted] [Redacted] 5498425 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. Loan amount is < guideline minimum of $150,000.00 for Primary/2nd Homes with Lender paid compensation; No Lender Exception approval in file. Monthly debt decreased by $927 per month Reviewer Comment (2018-02-09): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/09/2018 2 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202891979 [Redacted] [Redacted] 5498431 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > Guideline max of 45%; Lender exception approval was not provided. Monthly debt decreased by $927 per month Reviewer Comment (2018-02-09): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/09/2018 2 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202891979 [Redacted] [Redacted] 5498452 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > Guideline max   Reviewer Comment (2018-02-09): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/09/2018       1 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202891979 [Redacted] [Redacted] 5498453 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > Guideline max   Reviewer Comment (2018-02-09): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/09/2018       1 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202891980 [Redacted] [Redacted] 5476303 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C B
202891980 [Redacted] [Redacted] 5476599 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xx/xx/xxxx) Valuation received date xx/xx/xxxx < xx/xx/xxxx Valuation Report Date             2 [Redacted] FL Investment Purchase   B B B B B B B B B B N/A N/A No C B
202891980 [Redacted] [Redacted] 5747313 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Desk Review value is less than Appraised value by at least 10%.   Per CDA   Reviewer Comment (2018-03-05): Received Field Review within 10% of Origination Value
 03/05/2018       1 [Redacted] FL Investment Purchase     A   A   A   A   A N/A N/A No C B
202891981 [Redacted] [Redacted] 5482977 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202891981 [Redacted] [Redacted] 5510757 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   xxxxxxxxx   Reviewer Comment (2018-02-08): Received CD
 02/08/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202891982 [Redacted] [Redacted] 5478474 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891982 [Redacted] [Redacted] 5478894 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.45520% or Final Disclosure APR of 7.49800% is in excess of allowable threshold of APOR 4.01% + 1.5%, or 5.51000%.  Non-Compliant Rate Spread Home Loan.     Reviewer Comment (2018-02-12): Received lender attestation for YSP
 02/12/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891982 [Redacted] [Redacted] 5478895 [Redacted] [Redacted] Compliance Compliance State Compliance State HPML (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium.     Reviewer Comment (2018-02-12): Received lender attestation for YSP
 02/12/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891982 [Redacted] [Redacted] 5478923 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Final CD did not provide the broker contact name.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202891982 [Redacted] [Redacted] 5479148 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Insurance Prepaid Other 1 Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Insurance Prepaid - Other under Prepaids. (Final/xx/xx/xxxx) Final CD (Section F Line 05) did not disclose the number of months.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891982 [Redacted] [Redacted] 5479163 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Consumer's final CD disclosed seller total paid fees of $940, however, the Seller's final CD disclosed total fees of $15879.90.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202891982 [Redacted] [Redacted] 5479188 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $90.00 plus 10% or $99.00.  Sufficient or excess cure was provided to the borrower at Closing. (0) LE dated xx/xx/xxxx reflects recording fee of $90 and the final CD reflects fee at $100 and a $10 cure was provided to the borrower.         02/01/2018   1 [Redacted] NC Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202891982 [Redacted] [Redacted] 5522330 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Document and explain source of $59,447 increase in xxxx.  The xxxx ending balance was $2,983, a printout in file reflects a beginning balance of $62,430 1xx/xx/xxxx.   Reviewer Comment (2018-02-15): Rec'd copy of check from non-borrowing spouse for $45K deposited xx/xx/xxxx (joint account).


Reviewer Comment (2018-02-09): Paper trail shows $45000 transferred from 4600 but looking for the source of deposit in 4600 for $45000 on xx/xx/xxxx


Buyer Comment (2018-02-08): borrower transferred funds from #xxxxx
 02/15/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891982 [Redacted] [Redacted] 5523026 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ The VVOE in file dated xxxxx does not indicate if the borrower is currently employed.   Reviewer Comment (2018-02-09): Received


Reviewer Comment (2018-02-09): Received VVoe, (Is the Borrower Currently Employed? ___ ) is blank, and Probability of continued employment will not provide.
 02/09/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891982 [Redacted] [Redacted] 5523075 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx) E-consent xx/xx/xxxx, early disclosures xx/xx/xxxx.   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] NC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202891982 [Redacted] [Redacted] 5560020 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.45520% or Final Disclosure APR of 7.49800% is in excess of allowable threshold of APOR 4.01% + 1.5%, or 5.51000%.  Compliant Rate Spread Home Loan. Received lender attestation for YSP             2 [Redacted] NC Primary Purchase     B   B   B   B   B Non QM Non QM No C B
202891983 [Redacted] [Redacted] 5476607 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Lender is to order a secondary appraisal upon securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891983 [Redacted] [Redacted] 5514588 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ File contains 13 of 24 months Business Bank Statements. Missing required documentation to complete income audit.   Reviewer Comment (2018-02-15): This is 12 month bank statement, all 12 months provided


Buyer Comment (2018-02-13): 12 month bank statement program


Reviewer Comment (2018-02-09): Rec'd duplicate statements from 1xx/xx/xxxx thru xx/xx/xxxx.  Missing additional 11 months business bank statements.
 02/15/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891983 [Redacted] [Redacted] 5514624 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index used from Rate Lock sheet.   Reviewer Comment (2018-02-09): Cleared with compliance re-run.
 02/09/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202891983 [Redacted] [Redacted] 5514625 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $9.00   Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.
     02/09/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891983 [Redacted] [Redacted] 5514626 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing   Reviewer Comment (2018-02-09): Rec'd LOE, corrected payee for Recording Service fee on CD and evidence of emailing.
     02/09/2018   2 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202891984 [Redacted] [Redacted] 5486962 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client is to order a secondary appraisal upon securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891984 [Redacted] [Redacted] 5487052 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. The initial LE was electronically signed by the borrower xx/xx/xxxx.   Reviewer Comment (2018-02-14): rec'd e-consent
 02/14/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202891984 [Redacted] [Redacted] 5487053 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact name not reported on Final CD.   Reviewer Comment (2018-02-14): Rec'd LOE, corrected CD and evidence of emailing.
     02/14/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202891984 [Redacted] [Redacted] 5492207 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Attorney's Fees, Estoppel Fee, HOA Capital Contribution, HOA Dues and Real Estate Transaction fees were incorrectly placed in Section C of the Final Closing Disclosure.   Reviewer Comment (2018-02-14): Rec'd LOE, corrected CD and evidence of emailing.
 02/14/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891985 [Redacted] [Redacted] 5480940 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891985 [Redacted] [Redacted] 5481013 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $135.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) This fee not disclosed on Loan Estimate. No indication re-inspection was either required or performed.         02/01/2018   1 [Redacted] MI Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202891985 [Redacted] [Redacted] 5525506 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. $xxx loan amount is less than guideline minimum of $xxx on loans with lender paid compensation. Borrower has job stability for 6 years as an xxx.

Borrower on this Full documentation loan has a disposable income of $2700		 Reviewer Comment (2018-02-09): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/09/2018 2 [Redacted] MI Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202891986 [Redacted] [Redacted] 5479031 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 2.64 months < 6 months Portfolio Select Business Bank Statement program (xxxxxx).  Lender's 3 months calculation < 6 months,  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  DTI and Residual income 75% LTV < 90 guideline max -  15%  more equity than required by program guidelines

Borrower on this Alt documentation loan has a disposable income of $7,237.21		 Reviewer Comment (2018-02-07): Credit Risk Summary & Exception approval in file
       02/07/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202891986 [Redacted] [Redacted] 5479093 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The insurance calculated replacement value of $182,125.00 differs from the appraisal replacement cost.   Reviewer Comment (2018-02-15): Used insurance replacement/cost to rebuild


Buyer Comment (2018-02-13): WE USE THE INSURANCE COMPANIES REPLACEMENT COST CALCULATOR
 02/15/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891986 [Redacted] [Redacted] 5479097 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   .Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891986 [Redacted] [Redacted] 5479447 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx)     Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD and evidence of emailing.
     02/27/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891986 [Redacted] [Redacted] 5479450 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD Fees total $16,340.30 while closing CD seller's fees total $16,545.30.   Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD and evidence of emailing.
     02/27/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891986 [Redacted] [Redacted] 5516594 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing evidence current residence, xxxxx, free and clear of any mortgage obligations   Reviewer Comment (2018-02-27): zero balance on credit report


Buyer Comment (2018-02-23): credit report shows closed with a $0 balance


Reviewer Comment (2018-02-15): Received Sitex showing it is an Intra-Family Transfer or Dissolution, but also shows a xxxxloan taken out xx/xx/xxxx - unable to determine if balance still owed, as this was just a transfer of title -  xxxxx loans are assumable
 02/27/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891986 [Redacted] [Redacted] 5516959 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-15): Received
 02/15/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202891987 [Redacted] [Redacted] 5476275 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] OK Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202891987 [Redacted] [Redacted] 5476687 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 8.10990% or Final Disclosure APR of 8.30600% is in excess of allowable threshold of APOR 3.84% + 1.5%, or 5.34000%.  Compliant Higher Priced Loan.               2 [Redacted] OK Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202891987 [Redacted] [Redacted] 5476692 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.835% - used lowest Index in date range = 1.90844%.             2 [Redacted] OK Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891987 [Redacted] [Redacted] 5476693 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $30.00   Reviewer Comment (2018-02-11): Rec'd LOE, corrected CD and evidence of emailing.
     02/11/2018   2 [Redacted] OK Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891987 [Redacted] [Redacted] 5476694 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $30.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-11): Rec'd LOE, corrected CD and evidence of emailing.
     02/11/2018   2 [Redacted] OK Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202891987 [Redacted] [Redacted] 5523270 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. OO/2nd Homes with Lender Paid Compensation Min loan amount $150K 32.886% DTI on this Full documentation loan < 45% guideline max Reviewer Comment (2018-02-11): Received Credit Risk Summary & Exception Approval. Loan Amount Less than minimum allowed by program. Compensating Factors: 1) Credit History. 2) DTI.
       02/11/2018 2 [Redacted] OK Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202891987 [Redacted] [Redacted] 5523560 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Liability After Foreclosure Missing TILA-RESPA Integrated Disclosure - Other Disclosures: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Liability After Foreclosure statement. (Final/xx/xx/xxxx) Box not selected on CD   Reviewer Comment (2018-02-11): Rec'd LOE, corrected CD and evidence of emailing.
     02/11/2018   2 [Redacted] OK Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202891988 [Redacted] [Redacted] 5485637 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891988 [Redacted] [Redacted] 5488948 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $30,225.50 while CD seller's fees total $30,153.50.             2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202891988 [Redacted] [Redacted] 5520822 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing verification of donor's ability to gift xxxx file does not contain bank statements for donor or verification of receipt of funds.   Reviewer Comment (2018-02-13): Rec'd proof of receipt of gift funds.
 02/13/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891989 [Redacted] [Redacted] 5490387 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] MD Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202891989 [Redacted] [Redacted] 5490389 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure discloses a $25.00 Lender credit for $766.00 total tolerance.   Reviewer Comment (2018-02-23): Received attestation letter regarding fees and borrower's chosen provider


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/23/2018       1 [Redacted] MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202891989 [Redacted] [Redacted] 5490391 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $191.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) $191.00 Title - Abstract / Title Search fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received attestation letter regarding fees and borrower's chosen provider


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/23/2018       1 [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202891989 [Redacted] [Redacted] 5490392 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent Only).  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77168) $125.00 Title - Attorney's (Closing Agent Only) fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received attestation letter regarding fees and borrower's chosen provider


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/23/2018       1 [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202891989 [Redacted] [Redacted] 5490393 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) $75.00 Title - Courier / Express Mail / Messenger fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received attestation letter regarding fees and borrower's chosen provider


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, AMC would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and AMC will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/23/2018       1 [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202891989 [Redacted] [Redacted] 5490394 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee.  Fee Amount of $350.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77179) $350.00  Title - Processing fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received attestation letter regarding fees and borrower's chosen provider


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, AMC would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and AMC will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/23/2018       1 [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202891989 [Redacted] [Redacted] 5490395 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $25.00 Title - Recording Service fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received attestation letter regarding fees and borrower's chosen provider


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, AMC would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and AMC will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/23/2018       1 [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202891989 [Redacted] [Redacted] 5490396 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $275.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7725) $275.00 Title - Document Preparation fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received attestation letter regarding fees and borrower's chosen provider


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/23/2018       1 [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202891989 [Redacted] [Redacted] 5490548 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202891989 [Redacted] [Redacted] 5498606 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   22 months statements < 24 months required under Portfolio Select Business Bank Statement program.  Missing xxxxx statements.   Reviewer Comment (2018-02-27): Received


Reviewer Comment (2018-02-13): Nothing uploaded.


Reviewer Comment (2018-02-09): Received Bank Statements for xxxxand xxxx, still missing for xxxx
 02/27/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202891989 [Redacted] [Redacted] 5499386 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   Missing xxxx (#xxxx) mortgage statement verifying $xxxxx payment includes escrow for taxes, insurance and HOA.  Xxxxxxxxxxxxxxx   Reviewer Comment (2018-02-23): Residence not sold, leave in DTI, DTI meets guidelines


Buyer Comment (2018-02-20): departing residence has not sold


Reviewer Comment (2018-02-13): Rec'd evidence of taxes for xxxxxxx.  Still missing evidence $1,539 payment includes escrows for taxes, insurance and HOA.  ALSO missing verification that departing residence sold prior to closing and xxxxxxxx unpaid balance.
 02/23/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202891990 [Redacted] [Redacted] 5484446 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $600.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Fee increase of $100         02/02/2018   1 [Redacted] AZ Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202891990 [Redacted] [Redacted] 5491651 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.810% - used lowest Index in date range = 1.86289%.             2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891990 [Redacted] [Redacted] 5526701 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the Transaction Date.   Final CD shows Disbursement date of xx/xx/xxxx   Reviewer Comment (2018-02-11): Received revised insurance showing effective xx/xx/xxxx
 02/11/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891991 [Redacted] [Redacted] 5483842 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891991 [Redacted] [Redacted] 5492053 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202891991 [Redacted] [Redacted] 5514253 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ xxxxxxxxxxxxx 34% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $8242		 Reviewer Comment (2018-02-09): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/09/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202891991 [Redacted] [Redacted] 5514703 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Issue:  Insufficient tradelines per credit guidelines   2 trade lines rated 18 & 6 months (per Lender's credit report) within recent 12 months + 24 months cancelled rent checks < 3 trade lines reporting for 12+ months with
activity in last 12 months or 2 trade lines reporting for 24+ months with activity in last 12 months under Portfolio Select 90% LTV  program. xxxx trade lines reported as Authorized User are cannot be used as qualifying trade lines).  Exception not acknowledged by Lender.		 34% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $8242		 Reviewer Comment (2018-02-09): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/09/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202891992 [Redacted] [Redacted] 5479282 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.     Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] AL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202891992 [Redacted] [Redacted] 5479457 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosure Total Interest Percentage of 126.68%. Actual Total Interest Percentage 124.508%             2 [Redacted] AL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891992 [Redacted] [Redacted] 5479625 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 7.99 months < 12 months required for payment shock > 250% under approved  Portfolio Select Business Bank Statement program (xxxxxx).  Housing payment shock increase 413.39%.  Lender's 413.4% > 250%.  Lender's reserve calculation 7 months < 12 months.    Exception not acknowledged by Lender. 22.36896% DTI on this 24 Month Business Bank Statement documentation loan < 45.00% guideline max - 22.63104%% below program guideline maximum.

Borrower on this 24 Month Business Bank Statement documentation loan has a disposable income of $8,275.88 > the guideline minimum of $3,000.00		 Reviewer Comment (2018-02-09): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/09/2018 2 [Redacted] AL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202891992 [Redacted] [Redacted] 5479653 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] AL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891992 [Redacted] [Redacted] 5491732 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - PUD not provided   Per title commitment (p 295) subject is located in a PUD.    Final Closing Disclosure discloses HOA Dues paid by Borrower at closing. Appraiser does not indicate subject is located in a PUD.   Reviewer Comment (2018-03-01): Received
 03/01/2018       1 [Redacted] AL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891992 [Redacted] [Redacted] 5491825 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   413.4% > 200% for First Time Home Buyer under approved  Portfolio Select Business Bank Statement program (xxxxx). Lender's 413.4% > 200%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors:  DTI and Residual income 22.36896% DTI on this 24 Month Business Bank Statement documentation loan < 45.00% guideline max - 22.63104%% below program guideline maximum.

Borrower on this 24 Month Business Bank Statement documentation loan has a disposable income of $8,275.88 > the guideline minimum of $3,000.00		 Reviewer Comment (2018-02-06): Credit Risk Summary & Exception approval p288
       02/06/2018 2 [Redacted] AL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202891993 [Redacted] [Redacted] 5483852 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202891993 [Redacted] [Redacted] 5491579 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-07): Received, dated xx/xx/xxxx
 02/07/2018       1 [Redacted] CA Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202891993 [Redacted] [Redacted] 5513288 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Credit Report Error: Housing history rating was not provided.   Missing recent cancelled checks documenting 0 x 30 x 12 payment on $xxx Note ($832.50 P&I ) held by xxxxx   Reviewer Comment (2018-02-07): Received Pay history 0X30X12
 02/07/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202891993 [Redacted] [Redacted] 5513431 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. $xxx > $xxx max at approved Rate/Term under Portfolio Select Bank Statement program.  Subject refinance of xxx primary residence.  Proceeds of refinance  $xxx non-subject mortgage secured by xxxxx investment. LTV 55% Reviewer Comment (2018-02-07): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/07/2018 2 [Redacted] CA Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202891993 [Redacted] [Redacted] 5519516 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx) Received, Esign dated xx/xx/xxxx             2 [Redacted] CA Primary Refinance - Rate/Term No Defined Cure   B   B   B   B   B Non QM Non QM No C B
202891994 [Redacted] [Redacted] 5483870 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Investment Purchase   C A C A C A C A C A N/A N/A No C A
202891995 [Redacted] [Redacted] 5480827 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2018-02-08): Received updated data tape
 02/08/2018       1 [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202891995 [Redacted] [Redacted] 5480983 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     28.693% DTI on this Full documentation loan < 43% guideline max Reviewer Comment (2018-02-08): Received PDI, but FEMA has no declared end date as of yet
       02/08/2018 2 [Redacted] CA Primary Refinance - Rate/Term   B B B B B B B B B B Higher Priced QM Safe Harbor QM No C B
202891995 [Redacted] [Redacted] 5480986 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Lender is to order a secondary appraisal upon securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202891995 [Redacted] [Redacted] 5520397 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Guideline Issue: Derogatory mortgage payments outside of credit guidelines   Credit Risk Summary & Exception Approval in file, page 218. Credit: Credit event seasoning not met. Short sale < 5 yrs. Compensating Factors: 1) Credit History. 2) DTI. 3) Reserves. 4 Residual Income. 28.693% DTI on this Full documentation loan < 43% guideline max

Borrower on this Full documentation loan has a disposable income of $23,490.21		 Reviewer Comment (2018-02-07): Compensating Factors: 1) Credit History. 2) DTI. 3) Reserves. 4 Residual Income.
       02/07/2018 2 [Redacted] CA Primary Refinance - Rate/Term   C B C B C B C B C B Higher Priced QM Safe Harbor QM No C B
202891995 [Redacted] [Redacted] 5538681 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated data tape             2 [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202891996 [Redacted] [Redacted] 5479071 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891996 [Redacted] [Redacted] 5480025 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $82,403.32 while CD seller's fees total $13,538.50.             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202891996 [Redacted] [Redacted] 5512860 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement not provided.   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202891997 [Redacted] [Redacted] 5483939 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891997 [Redacted] [Redacted] 5516360 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .             2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891997 [Redacted] [Redacted] 5516361 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller's CD discloses $242.04 Property Taxes paid by Seller at closing not disclosed on Consumer's CD             2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202891997 [Redacted] [Redacted] 5528230 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ for xxxxx within 10 days of Note/Closing - Income used on final Application Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-20): Exception approval for VVOE, income is documented for 2 years and without using it DTI is still under 43%


Reviewer Comment (2018-02-09): Received Internet Search, however borrower is Les than 25% owner, need VVOE to verify still receiving income.
       02/20/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202891998 [Redacted] [Redacted] 5483017 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202891998 [Redacted] [Redacted] 5483117 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing document   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202891998 [Redacted] [Redacted] 5483119 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains a Demand Feature. (Final/xx/xx/xxxx) Information not provided   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891998 [Redacted] [Redacted] 5483126 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Negative Amortization TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains Negative Amortization. (Final/xx/xx/xxxx) Information not provided   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202891998 [Redacted] [Redacted] 5483127 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Partial Payments TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xx/xx/xxxx) Information not provided   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202891998 [Redacted] [Redacted] 5483148 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $10,443.00 while closing CD seller's fees total $10,943.00   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891998 [Redacted] [Redacted] 5502916 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Title-Governmental Surcharge $3.00   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202891998 [Redacted] [Redacted] 5519329 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $3.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77183) Title-Governmental Surcharge $3.00. Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] IL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898563 [Redacted] [Redacted] 5486911 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202898563 [Redacted] [Redacted] 5488193 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid District Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for District Property Tax under Prepaids. (Final/xx/xx/xxxx) CD data field is blank.             2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898563 [Redacted] [Redacted] 5488199 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $250.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen
 02/21/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202898563 [Redacted] [Redacted] 5488201 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC).  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77208) Fee not disclosed on LE.  Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is therefore included in 0% tolerance testing.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/21/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202898563 [Redacted] [Redacted] 5492285 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. LTV exceeds 75% but meets exception policy based on compensatiing factors of reserves and residual income. 32.% DTI on this Full documentation loan < 45% guideline max

129 months reserves > 6 months guideline minimum

Borrower has $14,592.87 residual income.		 Reviewer Comment (2018-02-07): Meets exception policy per Credit Risk Summary & Exception Approval.
       02/07/2018 2 [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202898564 [Redacted] [Redacted] 5487798 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898564 [Redacted] [Redacted] 5488978 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. E sign consent agreement was not submitted for review.   Reviewer Comment (2018-02-10): Received
 02/10/2018       1 [Redacted] IN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898564 [Redacted] [Redacted] 5525949 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.990%             2 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898564 [Redacted] [Redacted] 5525950 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $15.00   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898564 [Redacted] [Redacted] 5525952 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee.  Fee Amount of $5.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77179) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] IN Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898564 [Redacted] [Redacted] 5525953 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-10): Rec'd LOE, corrected CD and evidence of emailing.
     02/10/2018   2 [Redacted] IN Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898565 [Redacted] [Redacted] 5484833 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NJ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898565 [Redacted] [Redacted] 5485401 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-09): Received eConsent
 02/09/2018       1 [Redacted] NJ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898565 [Redacted] [Redacted] 5503627 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 719 lowest middle score for both Borrowers per Lender's credit report < 720 @ 75% LTV (5.875% base rate) under Portfolio Select Business Bank Statement program xxxxxmatrix).   Loan approval and pricing based on score per Broker's credit report.  1008 Loan Transmittal acknowledges Broker score used for pricing Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-09): Exception approval for credit score based on stable employment history and DTI
       02/09/2018 2 [Redacted] NJ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898565 [Redacted] [Redacted] 5513832 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Within 10 days closing   Reviewer Comment (2018-02-09): Received processor cert and business name search
 02/09/2018       1 [Redacted] NJ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898566 [Redacted] [Redacted] 5496061 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $47,117.00 while CD seller's fees total $47,327.00.   Reviewer Comment (2018-02-22): Received PCCD dated 0xx/xx/xxxx correcting Seller paid fees. PCCD showed increase of Recording Fees, out of tolerance by $114.00 (only have Lender credit of $30.20).
         2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202898566 [Redacted] [Redacted] 5528568 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Matched data provided.   Reviewer Comment (2018-02-09): Received Amended Data Tape
 02/09/2018       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202898566 [Redacted] [Redacted] 5528569 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $160.00 plus 10% or $176.00.  Sufficient or excess cure was provided to the borrower at Closing. (0) Sufficient cure provided.         02/07/2018   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Higher Priced QM Safe Harbor QM Yes C B
202898566 [Redacted] [Redacted] 5545629 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received Amended Data Tape             2 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202898567 [Redacted] [Redacted] 5488351 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent for not provided   Reviewer Comment (2018-02-15): rec'd e-consent
 02/15/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898567 [Redacted] [Redacted] 5488353 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $6.00 for Title - Title Guaranty Fee   Reviewer Comment (2018-02-15): Rec'd PC CD correcting Title - Title Guaranty fee payee, LOE, and evidence of emailing.
     02/15/2018   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898567 [Redacted] [Redacted] 5488981 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure AIR Table Minimum Interest Rate TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (Final/xx/xx/xxxx) Closing Disclosure AIR Minimum Interest Rate 4.000 <> Math Closing Disclosure AIR Minimum Interest Rate 4.125   Reviewer Comment (2018-02-12): Review indicates Note, ARM Rider, and CD all show 4.0% (Verified CHD-5808)
 02/12/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C B
202898567 [Redacted] [Redacted] 5489982 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval, pg 338. DTI > maximum allowed. Compensating Factors: 1) Residual Income 2) Stable Employment History Borrower has employment stability for 9years with employer, IRS.

Guideline variance approved by lender at time of origination for residual income of $4947.52 which is over requirement of $2000.00		 Reviewer Comment (2018-02-05): Lender approved exception.
       02/05/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898567 [Redacted] [Redacted] 5495541 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898567 [Redacted] [Redacted] 5495663 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $363,256.65 > $38,207.43   Reviewer Comment (2018-02-15): Rec'd LOE, corrected CD and evidence of emailing.
     02/15/2018   2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202898567 [Redacted] [Redacted] 5530896 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $6.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77183) Title - Title Guaranty Fee $6.00. // Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-15): Rec'd PC CD correcting Title - Title Guaranty fee payee, LOE, and evidence of emailing.
     02/15/2018   2 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898568 [Redacted] [Redacted] 5483788 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing Verification of Rent history within the last twelve (12) months max 1 x 30 for 6 month current residence xxxxx.   1003 does not disclose monthly rent.    Xxxxxxxx   Reviewer Comment (2018-02-21): Received Letter regarding borrower currently living rent free.  Borrower still has Mortgage history


Buyer Comment (2018-02-20): LOX in file shows that borrower was residing with girlfriend rent free for the previous 6 months. Housing history verified by mortgage account on marital residence. Notes to 1008 have been added.
 02/21/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898568 [Redacted] [Redacted] 5484710 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898568 [Redacted] [Redacted] 5485142 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-08): Received eConsent
 02/08/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898568 [Redacted] [Redacted] 5485143 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .   Reviewer Comment (2018-02-13): cleared with compliance re-run
 02/13/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202898568 [Redacted] [Redacted] 5500060 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing verification xxxx not subject to annual tax assessment for property taxes and that property is owned free and clear.   Reviewer Comment (2018-02-21): Received and added to DTI


Buyer Comment (2018-02-20): Taxes have been uploaded and added to DTI. Address LOX in file states this property is lien free and that the borrower does not carry insurance on it.
 02/21/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898568 [Redacted] [Redacted] 5501176 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   Missing xxxx secured by xxxx  verifying $xxxxxxpayment includes escrow for taxes and insurance.  xxxx mortgage #xxxxx secured by xxxxxxx   Reviewer Comment (2018-02-21): Received Taxes and insurance and added to the DTI


Buyer Comment (2018-02-20): xxxxxxx is included in qualifying ratios along with taxes and insurance for this. It has been tagged as an investment property on the schedule of REO to ensure it's captured in DTI. Documentation to verify T&I has been uploaded.
 02/21/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898568 [Redacted] [Redacted] 5502045 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $13.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $13.50 Title - Recording Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.


Reviewer Comment (2018-02-08): Service provider differs, please offer evidence of who required the fee


Buyer Comment (2018-02-07): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.
 02/23/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202898568 [Redacted] [Redacted] 5502048 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $12.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77183) $12.50 Title - Service Charge Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.


Reviewer Comment (2018-02-08): Service provider differs, please offer evidence of who required the fee


Buyer Comment (2018-02-07): Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to AOMS, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.
 02/23/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202898568 [Redacted] [Redacted] 5502050 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $60.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77190) $60.00 Title - Wire Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.


Reviewer Comment (2018-02-08): Updated same service provider


Buyer Comment (2018-02-07): .    Unless the borrower chooses a service provider from the list we provide to them, and it is not payable to xxx, the broker or an affiliate of either, then the 10% tolerance comes into play.  Further, if the previous sentence is true AND the borrower is allowed to shop for these services, then that particular fee is not subject to a 10% tolerance.
 02/08/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202898568 [Redacted] [Redacted] 5502063 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $86.00 toleranc   Reviewer Comment (2018-02-23): Received Attestation letter


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/23/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202898568 [Redacted] [Redacted] 5502233 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $3,360.00 Deed Tax and $19.10 Recording fees paid by Seller at closing per Seller's CD not disclosed on Consumer CD.             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202898569 [Redacted] [Redacted] 5508729 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-02-15): Rec'd Post Disaster Inspection dated xx/xx/xxxx indicating no damage.
 02/15/2018       1 [Redacted] CA Primary Purchase   B A B A B A B A B A Higher Priced QM Safe Harbor QM No C B
202898569 [Redacted] [Redacted] 5508745 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202898569 [Redacted] [Redacted] 5510482 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Data Tape Designation matches the Loan Designation, which follows the Deal Notes.   Reviewer Comment (2018-02-12): Received updated tape
 02/12/2018       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202898569 [Redacted] [Redacted] 5510485 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xx/xx/xxxx) CD does not indicate if lender did not offer or borrower declined.   Reviewer Comment (2018-02-15): Rec'd LOE, corrected CD and evidence of emailing.
     02/15/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Higher Priced QM Safe Harbor QM Yes C B
202898569 [Redacted] [Redacted] 5514412 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Borrower(s) are excluded from eligibility.   Rent Free Borrower is Not Permitted by Program Guidelines 792 representative FICO score > 620 guideline minimum

15.57months reserves > 6 months guideline minimum		 Reviewer Comment (2018-02-23): Received exception approval for rent free based on reserves, residual income, FICO, credit history, and DTI


Reviewer Comment (2018-02-15): Rec'd exception for payment shock.  Need exception for rent free borrowers are not allowed per program guidelines.
       02/23/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Higher Priced QM Safe Harbor QM No C B
202898569 [Redacted] [Redacted] 5515162 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Tax Certificate not provided       Reviewer Comment (2018-02-15): Rec'd tax info as part of preliminary title.
 02/15/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202898569 [Redacted] [Redacted] 5528680 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD reflects 45.30, calculates to be $46.05.   Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD, copy of refund check and proof of delivery


Reviewer Comment (2018-02-15): Rec'd LOE, corrected CD and evidence of emailing.  Missing copy of refund check and proof of delivery
     02/27/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202898569 [Redacted] [Redacted] 5528681 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $177.00 plus 10% or $194.70.  Insufficient or no cure was provided to the borrower. (0) $5.30 tolerance violation due to increase in recording fees.   Reviewer Comment (2018-02-07): Final CD reflects $45.30 tolerance cure.
     02/07/2018   2 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Higher Priced QM Safe Harbor QM Yes C B
202898569 [Redacted] [Redacted] 5528682 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,385.75 exceeds tolerance of $2,385.00.  Insufficient or no cure was provided to the borrower. (7200) Fee disclosed as $2,385 on LE and as $2,385.75 on Final CD.  LE should have been rounded up to $2,386.   Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD, copy of refund check and proof of delivery


Reviewer Comment (2018-02-15): Rec'd LOE, corrected CD and evidence of emailing.  Missing copy of refund check and proof of delivery
     02/27/2018   2 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Higher Priced QM Safe Harbor QM Yes C B
202898569 [Redacted] [Redacted] 5528683 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $540.00 exceeds tolerance of $500.00.  Insufficient or no cure was provided to the borrower. (7506) Fee disclosed as $500 on LE and as $540 on final CD.   Reviewer Comment (2018-02-07): CD reflects $45.30 tolerance cure.
     02/07/2018   2 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Higher Priced QM Safe Harbor QM Yes C B
202898569 [Redacted] [Redacted] 5532651 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ For xxxxx, within 10 days of closing (income is negative however this is a HPQM, Appendix Q calls for VVOE/Third Party)   Reviewer Comment (2018-02-15): Rec'd VVOE dated xx/xx/xxxx
 02/15/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202898569 [Redacted] [Redacted] 5571721 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated tape             2 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202898570 [Redacted] [Redacted] 5498246 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898570 [Redacted] [Redacted] 5498460 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898570 [Redacted] [Redacted] 5498461 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202898570 [Redacted] [Redacted] 5498462 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .   Reviewer Comment (2018-02-13): cleared with compliance re-run
 02/13/2018       1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202898570 [Redacted] [Redacted] 5526663 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $12.50 tolerance.   Reviewer Comment (2018-02-15): Received PCCD showing all fees paid to same provide, with LOE to borrower


Reviewer Comment (2018-02-13): Missing payee for Title - Electronic Recording Fee. Unable to determine compliance.
 02/15/2018       1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202898570 [Redacted] [Redacted] 5526664 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $12.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $12.50 Title - Recording Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Unable to determine if provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Fee line does not indicate payee/name of provided. Final Closing Disclosure does not reflect a Lender credit for $12.50 tolerance.   Reviewer Comment (2018-02-15): Received PCCD showing all fees paid to same provide, with LOE to borrower


Reviewer Comment (2018-02-13): Missing payee for Title - Electronic Recording Fee.  Unable to determine compliance.
 02/15/2018       1 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202898570 [Redacted] [Redacted] 5527201 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $825.00 in fees disclosed on Seller CD not disclosed on Consumer CD.  Seller CD discloses $400.00, HOA Dues, $325.00 HOA Transfer, $95.00 Zone Disclosure and $5.00 HOA Document fees paid by Seller at closing not disclosed on Consumer CD.   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202898571 [Redacted] [Redacted] 5500303 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NV Primary Refinance - Cash-out - Home Improvement   C A C A C A C A C A Non QM Non QM No C B
202898571 [Redacted] [Redacted] 5500332 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Aged document: Credit Report  is more than 90 days prior to the note date. Credit Report: Original // Borrower: xxxxx, Credit Report: Original // Borrower: xxxx Credit report xxxx, note date xxxx 55.12% LTV < 80 guideline max Reviewer Comment (2018-02-21): Received Credit Risk Summary & Exception approval xx/xx/xxxx


Reviewer Comment (2018-02-15): Cannot waive credit report with Credit score as the compensating factor, score is outdated
       02/21/2018 2 [Redacted] NV Primary Refinance - Cash-out - Home Improvement   C B C B C B C B C B Non QM Non QM No C B
202898571 [Redacted] [Redacted] 5500724 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing documentation   Reviewer Comment (2018-02-13): Rec'd e-consent.
 02/13/2018       1 [Redacted] NV Primary Refinance - Cash-out - Home Improvement No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898571 [Redacted] [Redacted] 5500726 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.     Reviewer Comment (2018-02-13): Rec'd evidence ARM disclosure was sent within 3 days of application.
 02/13/2018       1 [Redacted] NV Primary Refinance - Cash-out - Home Improvement No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202898571 [Redacted] [Redacted] 5538905 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property taxes are reflected in Section H.  Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.             2 [Redacted] NV Primary Refinance - Cash-out - Home Improvement Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202898571 [Redacted] [Redacted] 5538939 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing.   Reviewer Comment (2018-02-15): Received proof of business through state website and google search with business listing
 02/15/2018       1 [Redacted] NV Primary Refinance - Cash-out - Home Improvement   C A C A C A C A C A Non QM Non QM No C B
202898572 [Redacted] [Redacted] 5484521 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202898573 [Redacted] [Redacted] 5483805 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898573 [Redacted] [Redacted] 5485155 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Disclosure provided xx/xx/xxxx, however was not provided within three business days of the application date of xx/xx/xxxx.             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202898573 [Redacted] [Redacted] 5485160 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Initial SSPL disclosure was not provided.             2 [Redacted] CA Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202898573 [Redacted] [Redacted] 5485161 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Appraisal re-inspection Cure of $150 was provided.         02/02/2018   1 [Redacted] CA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202898573 [Redacted] [Redacted] 5485162 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Initial ARM disclosure was not provided.   Reviewer Comment (2018-02-27): Received initial dated xx/xx/xxxx


Reviewer Comment (2018-02-08): Received dated xx/xx/xxxx
 02/27/2018       1 [Redacted] CA Primary Purchase No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202898573 [Redacted] [Redacted] 5499798 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > guideline max.  Lender Exception Approval (pg.240) without comp factors listed. Borrower on this Full documentation loan has a disposable income of $4,600

29 months reserves > 6 months guideline minimum		 Reviewer Comment (2018-02-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/08/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898573 [Redacted] [Redacted] 5499882 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > Guideline max   Reviewer Comment (2018-02-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/08/2018       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202898573 [Redacted] [Redacted] 5499883 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > Guideline max   Reviewer Comment (2018-02-08): Received Credit Risk Summary & Exception approval xx/xx/xxxx
 02/08/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898573 [Redacted] [Redacted] 5528793 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $31,443.98 while CD seller's fees total $24,707.90.             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202898574 [Redacted] [Redacted] 5486452 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. Credit Risk Summary & Exception Approval in file, page 240. Housing Ratio > maximum allowed (43.38). Compensating Factors: 1) Credit History. 2) LTV. LTV of 51.08434% < Max Program LTV of 60%

Borrower has 0X30 reported mortgage and credit history over 24 months.		 Reviewer Comment (2018-02-07): Compensating Factors: 1) Credit History. 2) LTV.
       02/07/2018 2 [Redacted] OR Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202898574 [Redacted] [Redacted] 5486512 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] OR Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202898574 [Redacted] [Redacted] 5486690 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing xxx from xxxxx/ Also, missing verbal voe within 10 days of Note from xxxx   Reviewer Comment (2018-02-09): Received SoS for business that xxxxxx is the same as Exxxxx, VVOE was already in file


Buyer Comment (2018-02-09): The xxxx and xxxxx are one in the same.  VOE from xxxxxx is in the file.  Please see the attached SOS listing.
 02/09/2018       1 [Redacted] OR Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202898574 [Redacted] [Redacted] 5486986 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing E-Sign Consent Agreement.   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] OR Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898575 [Redacted] [Redacted] 5490447 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898575 [Redacted] [Redacted] 5490947 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898575 [Redacted] [Redacted] 5490948 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table. (Final/xx/xx/xxxx) Final Closing Disclosure Summaries of Transactions table discloses a $2,000.00 Seller credit that is not disclosed in the Calculation Cash to Close table .   Reviewer Comment (2018-02-12): Rec'd LOE, corrected CD and evidence of emailing.
     02/12/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898575 [Redacted] [Redacted] 5490949 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $38.50 tolerance.   Reviewer Comment (2018-02-12): Rec'd LOE, corrected CD and evidence of emailing.
     02/12/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898575 [Redacted] [Redacted] 5490952 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $38.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7725) $38.50 Title - Scanning Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $38.50 tolerance.   Reviewer Comment (2018-02-12): Rec'd LOE, corrected CD and evidence of emailing.
     02/12/2018   2 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898575 [Redacted] [Redacted] 5534597 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date + 3)   Reviewer Comment (2018-02-12): Lenders offices were closed in observance of Veteran's Day.


Buyer Comment (2018-02-08): this is incorrect- xx/xxxx was a federal holiday (veterans day)
 02/12/2018       1 [Redacted] FL Primary Purchase   B A B A B A B A B A Non QM Non QM No C B
202898575 [Redacted] [Redacted] 5535205 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $7077.93 total fees paid by Seller at closing per Seller's CD  < $7,101.13 paid by Seller at closing per Consumer's CD.  Consumer's CD discloses higher $193.75 vs. $216.95 fee amount paid to City of Miami.    $7,077.93 total closing costs paid by Seller at closing per Seller's CD < $15,368.52 ($7,077.93 at closing + $8,290.59 prior to closing)             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898576 [Redacted] [Redacted] 5486582 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. The e-sign consent form is not in the loan file.   Reviewer Comment (2018-02-08): Received
 02/08/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898576 [Redacted] [Redacted] 5486583 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 05   Reviewer Comment (2018-02-23): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2018-02-11): Received PCCD dated xx/xx/xxxx with corrections, but monthly tax amount changed incorrectly which is causing payment stream, etc errors.
     02/23/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898576 [Redacted] [Redacted] 5486584 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $54.50   Reviewer Comment (2018-02-23): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2018-02-11): Received PCCD dated xx/xx/xxxx with corrections, but monthly tax amount changed incorrectly which is causing payment stream, etc errors.
     02/23/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898576 [Redacted] [Redacted] 5486648 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client is to order a secondary appraisal upon securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202898576 [Redacted] [Redacted] 5492690 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. The Right to Receive a Copy of the Appraisal Disclosure was provided xx/xx/xxxx.  Application date was xx/xx/xxxx.   Reviewer Comment (2018-02-12): Lender offices were closed in observance of Veteran's Day.


Buyer Comment (2018-02-08): the initial disclosures were sent after 3 business days...please exclude the weekend and holiday from your calculation
 02/12/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202898576 [Redacted] [Redacted] 5492691 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.25530% or Final Disclosure APR of 8.28000% is in excess of allowable threshold of APOR 3.93% + 1.5%, or 5.43000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-28): Updated with holiday dates
 02/28/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202898576 [Redacted] [Redacted] 5492692 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. The Servicing Disclosure was provided to borrower xx/xx/xxxx. Application date is xx/xx/xxxx.   Reviewer Comment (2018-02-12): Lender offices were closed in observance of Veteran's Day.


Buyer Comment (2018-02-08): the initial disclosures were sent after 3 business days...please exclude the weekend and holiday from your calculation
 02/12/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202898576 [Redacted] [Redacted] 5492693 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. The List of Homeownership Counseling Organizations List was provided to borrower xx/xx/xxxx.  Application date was xx/xx/xxxx.   Reviewer Comment (2018-02-12): Lender offices were closed in observance of Veteran's Day.


Buyer Comment (2018-02-08): the initial disclosures were sent after 3 business days...please exclude the weekend and holiday from your calculation
 02/12/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other   B A B A B A B A B A Non QM Non QM No C B
202898576 [Redacted] [Redacted] 5492694 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Appraisal Disclosure - HPML Timing HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. The Right to Receive a Copy of the Appraisal Disclosure was provided to borrower xx/xx/xxxx.  Application date was xx/xx/xxxx.   Reviewer Comment (2018-02-12): Lender offices were closed in observance of Veteran's Day.


Buyer Comment (2018-02-08): the initial disclosures were sent after 3 business days...please exclude the weekend and holiday from your calculation
 02/12/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202898576 [Redacted] [Redacted] 5492695 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xx/xx/xxxx) The Initial Loan Estimate was provided to borrower xx/xx/xxxx.  Application date was xx/xx/xxxx.   Reviewer Comment (2018-02-12): Lender offices were closed in observance of Veteran's Day.


Buyer Comment (2018-02-08): the initial disclosures were sent after 3 business days...please exclude the weekend and holiday from your calculation
 02/12/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202898576 [Redacted] [Redacted] 5492696 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Settlement Service Provider List was provided to borrower xx/xx/xxxx.  Application date was xx/xx/xxxx.   Reviewer Comment (2018-02-12): Lender offices were closed in observance of Veteran's Day.


Buyer Comment (2018-02-08): the initial disclosures were sent after 3 business days...please exclude the weekend and holiday from your calculation


Buyer Comment (2018-02-08): 6 calendar days - 3 days skipped: Excluded 1 Saturday, Excluded 1 Sunday, Excluded 1 holiday: Veterans day
 02/12/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898576 [Redacted] [Redacted] 5527793 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-23): Rec'd LOE, corrected CD and evidence of emailing.


Buyer Comment (2018-02-23): monthly tax amount is the same on all CD's nothing changed


Reviewer Comment (2018-02-11): Received PCCD dated xx/xx/xxxx with corrections, but monthly tax amount changed incorrectly which is causing payment stream, etc errors.
     02/23/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898576 [Redacted] [Redacted] 5527795 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-23): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2018-02-11): Received PCCD dated xx/xx/xxxx with corrections, but monthly tax amount changed incorrectly which is causing payment stream, etc errors.
     02/23/2018   2 [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898577 [Redacted] [Redacted] 5486529 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898577 [Redacted] [Redacted] 5487004 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. .             2 [Redacted] TN Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202898577 [Redacted] [Redacted] 5528713 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $9,205.00 total fees paid by Seller at closing per Seller's CD < $9,882.00 paid by Seller at closing per Consumer's CD.  Seller's CD does not disclose $677.00 Property Taxes paid by Seller at closing per Consumer's CD             2 [Redacted] TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898577 [Redacted] [Redacted] 5528735 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor Qualifying Residual income discrepancy. Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. $1,761.83 < $2,000.00 Portfolio Select program (October 20, 2017 matrix).  Lender's $1,937.69 calculation < $2,000.00.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit History and DTI Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-08): Exception approval for disposable income based on DTI and credit history
       02/08/2018 2 [Redacted] TN Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898578 [Redacted] [Redacted] 5489132 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. E Sign is missing             2 [Redacted] NC Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202898578 [Redacted] [Redacted] 5500743 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NC Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202898578 [Redacted] [Redacted] 5501074 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.29970% or Final Disclosure APR of 6.32700% is in excess of allowable threshold of APOR 4.00% + 1.5%, or 5.50000%.  Compliant Rate Spread Home Loan.               2 [Redacted] NC Primary Refinance - Cash-out - Debt Consolidation   B B B B B B B B B B Non QM Non QM No C B
202898580 [Redacted] [Redacted] 5486272 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client is to order a secondary appraisal upon securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] OK Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898580 [Redacted] [Redacted] 5487062 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. E-sign disclosure missing from file.   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] OK Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898580 [Redacted] [Redacted] 5487063 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Loan Type TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Loan Type that does not match the actual loan type for the loan. (Final/xx/xx/xxxx) TRID Non-Compliant.  Final Closing Disclosure reflects loan type as Other-Non.             2 [Redacted] OK Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898580 [Redacted] [Redacted] 5487309 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 7.91050% or Final Disclosure APR of 7.92200% is in excess of allowable threshold of APOR 3.96% + 1.5%, or 5.46000%.  Compliant Higher Priced Loan.               2 [Redacted] OK Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202898581 [Redacted] [Redacted] 5494780 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898581 [Redacted] [Redacted] 5495149 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-09): Document provided on xx/xx/xxxx.
 02/09/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898581 [Redacted] [Redacted] 5495199 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $9.00 tolerance.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen
 02/21/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202898581 [Redacted] [Redacted] 5501674 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $9.00 Title - Recording Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen


Reviewer Comment (2018-02-09): COC provided on xx/xx/xxxx does not provide a reason for addition of fee or when lender became aware of fee.
 02/21/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202898581 [Redacted] [Redacted] 5508898 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xx/xx/xxxx disclosed a negative fee amount. (Final/xx/xx/xxxx) Seller CD discloses a -$156.00 credit to Seller at closing for Title - Owner's Title Insurance fee, not disclosed on Consumer's CD             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898581 [Redacted] [Redacted] 5508899 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $18,232.00 fees paid by Seller at closing per Seller CD < $18,232.00 paid by Seller at closing + $4,392.52 paid by Seller prior to closing.             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202898582 [Redacted] [Redacted] 5490042 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202898583 [Redacted] [Redacted] 5495812 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client is to order a secondary appraisal upon securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898583 [Redacted] [Redacted] 5539641 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   The file contains 21 months of business bank statements.  Guidelines require 24 months. 39% DTI on this Alt documentation loan <45% guideline max Reviewer Comment (2018-02-22): Received Credit Risk Summary & Exception approval xx/xx/xxxx


Reviewer Comment (2018-02-15): Received previously viewed Bank Statements. Bank Statements provided xx/xx/xxxx to xx/xx/xxxx missing xx/xx/xxxx, xx/xx/xxxx, xx/xx/xxxx
       02/22/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898583 [Redacted] [Redacted] 5539653 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. 697 credit score is less than 700 required for 90% LTV. 39% DTI on this Alt documentation loan <45% guideline max Reviewer Comment (2018-02-15): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/15/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898583 [Redacted] [Redacted] 5539703 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) The seller's CD reflects $16,438.51 whereas the borrower's CD reflects $16,603.01.   Reviewer Comment (2018-02-22): Rec'd LOE, corrected CD and evidence of emailing.
     02/22/2018   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202898584 [Redacted] [Redacted] 5486736 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898584 [Redacted] [Redacted] 5487199 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement was not provided.   Reviewer Comment (2018-02-14): Received
 02/14/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898584 [Redacted] [Redacted] 5535557 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $31.50 while CD seller's fees total $1,343.66.   Reviewer Comment (2018-02-14): Rec'd LOE, corrected CD and evidence of emailing.
     02/14/2018   2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202898584 [Redacted] [Redacted] 5536164 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Borrower does not meet housing payment history requirements; less than 12 months verified.  Lender Exception Approval (pg.310) with comp factors: 746 FICO and over $7,000.00 residual income. 746 representative FICO score > 700 guideline minimum - 46 points above guideline minimum

Borrower on this Full documentation loan has a disposable income of $7,716.74		 Reviewer Comment (2018-02-08): Lender exception approval provided.
       02/08/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898585 [Redacted] [Redacted] 5502507 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] UT Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898585 [Redacted] [Redacted] 5502701 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Borrower's CD does not reflect $4,500 Real Estate Admin or $5,576 Repair fees.             2 [Redacted] UT Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202898585 [Redacted] [Redacted] 5540109 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx) Disclosure E-Signed xx/xx/xxxx.  E-Sign Consent date xx/xx/xxxx.             2 [Redacted] UT Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202898586 [Redacted] [Redacted] 5495797 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898586 [Redacted] [Redacted] 5495972 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   273.54608% > 250%  Portfolio Select Bank Statement program (xxxxx) for First Time Home Buyer.  Lender's 277.6% > 250%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: No compensating factors noted. Credit History, DTI. Reviewer Comment (2018-02-13): Rec'd exception for:  Payment shock exceeds maximum allowed by program.
       02/13/2018 2 [Redacted] MD Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898586 [Redacted] [Redacted] 5496835 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-13): rec'd e-consent
 02/13/2018       1 [Redacted] MD Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898586 [Redacted] [Redacted] 5497138 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Final Disclosure reflects Total Interest Percentage as 136.114% however, actual interest percentage of the loan is 134.057%.   Reviewer Comment (2018-02-13): Cleared with compliance re-run
 02/13/2018       1 [Redacted] MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202898587 [Redacted] [Redacted] 5488147 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
202898587 [Redacted] [Redacted] 5489094 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C A
202898587 [Redacted] [Redacted] 5536640 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. eConsent form not found in file   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202898588 [Redacted] [Redacted] 5494859 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898588 [Redacted] [Redacted] 5495006 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898588 [Redacted] [Redacted] 5532206 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   xxxxxxxxxx 30% DTI on this Alt documentation loan < 45% guideline max

Residual income $8500 - Bank Statement Loan		 Reviewer Comment (2018-02-15): Received Credit Risk Summary & Exception approval xx/xx/xxxx


Reviewer Comment (2018-02-13): Provide canceled rent checks.  Rec'd bank statements reflecting $1,650 withdrawals, however the 1003 indicates rent is $1,300 per month.  Additionally, several of the bank statements reflect multiple $1,650 checks during the month.  Unable to determine these are rent payments.
       02/15/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898589 [Redacted] [Redacted] 5499623 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .   Reviewer Comment (2018-02-15): cleared with compliance re-run
 02/15/2018       1 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202898589 [Redacted] [Redacted] 5499625 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $84.00 tolerance.   Reviewer Comment (2018-02-15): Rec'd LOE, corrected CD and evidence of emailing.
     02/15/2018   2 [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898589 [Redacted] [Redacted] 5499783 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202898589 [Redacted] [Redacted] 5537194 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Archive/Storage Fee.  Fee Amount of $35.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $35.00 Title - Document Archive/Storage Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-15): Rec'd PC CD correcting Title - Document Archive/Storage fee payee, LOE, and evidence of emailing.


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
     02/15/2018   2 [Redacted] FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898589 [Redacted] [Redacted] 5537196 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $9.00 Title - Recording Service Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-15): Rec'd PC CD correcting Title - ERecording fee payee, LOE, and evidence of emailing.


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
     02/15/2018   2 [Redacted] FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898589 [Redacted] [Redacted] 5537197 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $40.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77190) $40.00 Title - Wire Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-15): Rec'd PC CD correcting Title - Wire Payoff fee payee, LOE, and evidence of emailing.


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
     02/15/2018   2 [Redacted] FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898589 [Redacted] [Redacted] 5537358 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $42,750.00 FIRTPA Withholding disbursement to IRS and $500.00 FIRPTA Prep fee paid by Seller at closing per Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] FL Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202898590 [Redacted] [Redacted] 5500062 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] VA Investment Purchase   C A C A C A C A C A N/A N/A No C A
202898591 [Redacted] [Redacted] 5491293 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Alternate Table Usage TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. Cash From/To Borrower Present - No per Loan Estimate, but is Yes on Closing Disclosure.             2 [Redacted] UT Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202898591 [Redacted] [Redacted] 5491295 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.893%             2 [Redacted] UT Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898591 [Redacted] [Redacted] 5491305 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] UT Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202898591 [Redacted] [Redacted] 5533608 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Issue:  Subject loan is a non-arms length transaction  outside of credit guidelines   Loan originator appears to be spouse of the Borrower. // Guideline: 4.8 Non-Arm's Length Transactions
Non-arm's length transactions are not allowed. They include but are not limited to affiliates of the applicant such as:
· Family members related by blood or marriage to the seller
· Owners, employees or family members of the origination lender		 35% DTI on this Alt documentation loan < 50% guideline max Reviewer Comment (2018-02-15): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/15/2018 2 [Redacted] UT Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202898591 [Redacted] [Redacted] 5534141 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing underwriters bank statement income worksheet.   Reviewer Comment (2018-02-15): Received
 02/15/2018       1 [Redacted] UT Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202898591 [Redacted] [Redacted] 5534189 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Liability After Foreclosure Missing TILA-RESPA Integrated Disclosure - Other Disclosures: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Liability After Foreclosure statement. (Final/xx/xx/xxxx) Selection was not made on CD   Reviewer Comment (2018-02-15): Received LOE, and PC CD
     02/15/2018   2 [Redacted] UT Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202898592 [Redacted] [Redacted] 5491531 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NM Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898592 [Redacted] [Redacted] 5509338 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Assets Cash available for Closing is insufficient to cover Cash From Borrower.       Reviewer Comment (2018-02-15): Updated with line of credit and added potential payment to Credit for updated DTI still within guidelines


Reviewer Comment (2018-02-13): Email has been sent.  xxx Is not using the IRA account without proof of liquidation


Reviewer Comment (2018-02-13): Cash to close is $43,693.64 plus $2,000 earnest money and $497.55 paid prior to closing = $46,191.19


Reviewer Comment (2018-02-13): Rec'd duplicates of bank statements and CD on file.  The figures provided are accurate.


Buyer Comment (2018-02-09): cash to close was $43,693.64 on final cd
 02/15/2018       1 [Redacted] NM Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898592 [Redacted] [Redacted] 5510385 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller's CD reflects $7,811.05 while borrower's CD reflects $7,865.46.  A $54.41 variance due to $1.08 settlement, $40 commission, $3.33 real estate admin and $10 owner's title fees difference from seller's CD to borrower's CD.   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] NM Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898593 [Redacted] [Redacted] 5499834 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202898593 [Redacted] [Redacted] 5510805 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202898593 [Redacted] [Redacted] 5535956 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Credit Report Error: Missing source document for credit/housing history.   Missing verification Borrower's current residence owned by xxxxxx.  Per 1003, Borrower rents current residence xxxxxxt, @ $3,000.00 per month rent.  Unable to reconcile $2,900.00 checks (p 85-96) payable to xxx as rent checks documenting 0 x 30 12 month housing history.   Reviewer Comment (2018-02-26): Received extension for lease showing increase of rent for 4 months going increasing to $3100 for xxxx payment.


Reviewer Comment (2018-02-13): Rec'd a Lease Extension Addendum dated xx/xx/xxxx reflecting monthly rent of $3,100.  Checks in file reflect $2,900.  Additionally, the fraud report in file indicates the owner of the property is the xxxxxxt.  Still unable to reconcile checks payable to xxxxx as rent checks.
 02/26/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202898594 [Redacted] [Redacted] 5486545 [Redacted] [Redacted] Credit Missing Document General Missing Document Incomplete Document: Closing Disclosure is incomplete   Closing Disclosure dated xx/xx/xxxx incomplete due to missing pages 4 and 5.   Reviewer Comment (2018-02-13): Rec'd pages 4 & 5.
 02/13/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202898594 [Redacted] [Redacted] 5487216 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.808% - used lowed Index in date range = 1.86289%   Reviewer Comment (2018-02-13): cleared with compliance re-run
 02/13/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202898594 [Redacted] [Redacted] 5487219 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Irregular Transactions TILA-RESPA Integrated Disclosure - Interim Closing Disclosure containing a change in APR, loan product or addition of prepayment penalty was not received by borrower at least three (3) business days prior to consummation. Missing pages 4 and 5 of initial CD.   Reviewer Comment (2018-02-13): rec'd pages 4 & 5 of xx/xx/xxxx CD
 02/13/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202898594 [Redacted] [Redacted] 5487397 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202898594 [Redacted] [Redacted] 5500538 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. OO/2nd Homes with Lender Paid Compensation Min loan amount $150K DTI, payment shock Reviewer Comment (2018-02-13): Rec'd exception for loan amount less than minimum allowed by program.
       02/13/2018 2 [Redacted] DE Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202898594 [Redacted] [Redacted] 5500635 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $125.00   Reviewer Comment (2018-02-23): Received Attestation letter


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/23/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202898594 [Redacted] [Redacted] 5500636 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7724) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-23): Received Attestation letter


Reviewer Comment (2018-02-13): While title fees on the LE were disclosed as shoppable, the new e-recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.  Under 1026.19(e)(3)(ii), an estimate of a charge for third-party services is in good faith if the amount disclosed does not exceed, in aggregate, 10% and if the creditor permits the consumer to shop for the third-party service. If the borrower selects their own provider for the shoppable services disclosed on the LE, there is no limit on how much the fees can increase. If the borrower's selected provider charges additional fees not known or required by the creditor, xxx would consider the fee shopped for and not subject to any tolerances provided the fee is paid to the same provider. However, when a specific service is not previously disclosed to the borrower on the LE, and the charge is later added to the CD and paid to a provider other than the borrower's selected vendor, it indicates the borrower did not have the opportunity to shop for their own provider for this fee, and xxx will consider it subject to the 0% tolerance under 1026.19(e)(3). Please provide an attestation from the vendor, on their letterhead, explaining the additional fees for further review.
 02/23/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202898594 [Redacted] [Redacted] 5532647 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. eConsent form not found in file   Reviewer Comment (2018-02-13): rec'd e-consent
 02/13/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898594 [Redacted] [Redacted] 5580388 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Rec'd pages 4 & 5 of xx/xx/xxxx.  Missing evidence it was provided to borrower at least 3 business days prior to closing.   Reviewer Comment (2018-02-27): per disclosure tracking


Buyer Comment (2018-02-20): I am not understanding this condition.  If you already have pages 1,2,and 3, and I provided you pages 4 and 5 from the same CD then why do I need to provide proof this was delivered 3 days prior to closing.  Unless you are saying that you do not have proof the entire 12/14 CD was sent 3 days prior to closing.  Please advise
 02/27/2018       1 [Redacted] DE Primary Refinance - Cash-out - Other No Defined Cure   A   A   A   A   A Non QM Non QM No C B
202898595 [Redacted] [Redacted] 5497856 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898595 [Redacted] [Redacted] 5499493 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose figures for prepaid interest under Prepaids. (Final/xx/xx/xxxx) Interest through date is blank on Final CD. (Section F Line 03)             2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898595 [Redacted] [Redacted] 5499497 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.936%             2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898595 [Redacted] [Redacted] 5503872 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval, pg 271. DTI > maximum allowed. Compensating Factors: 1) Payment Shock 2) Residual Income. Residual income of $5889.64 is greater than the required $2000.00

Payment shock of 88% is less than the guideline maximum of 250%.		 Reviewer Comment (2018-02-05): Lender approved exception.
       02/05/2018 2 [Redacted] AZ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898595 [Redacted] [Redacted] 5503917 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. E-sign form is not in the file   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898595 [Redacted] [Redacted] 5503919 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Fees total $24,445.74 on the final CD and  $24,378.74 on the seller's CD.             2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898595 [Redacted] [Redacted] 5538624 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Public Record Issue: Credit Report: Original // Public Record Type: xxxxx xxxxxx             2 [Redacted] AZ Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202898596 [Redacted] [Redacted] 5496683 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] IN Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202898596 [Redacted] [Redacted] 5496959 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] IN Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202898597 [Redacted] [Redacted] 5504020 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202898597 [Redacted] [Redacted] 5538590 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-13): rec'd e-consent
 02/13/2018       1 [Redacted] FL Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898598 [Redacted] [Redacted] 5486723 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Senior Lien Note was not in loan file.   Reviewer Comment (2018-02-13): Rec'd senior lien note.
 02/13/2018       1 [Redacted] GA Primary Refinance - Rate/Term   D A D A D A D A D A Non QM Non QM No D B
202898598 [Redacted] [Redacted] 5492886 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No D B
202898598 [Redacted] [Redacted] 5492892 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Alternate Table Usage TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. Lender changed to Loan Estimate without seller for 2nd LE sent on xxx; prior versions were forms with seller.  All Closing Disclosures are forms without seller.             2 [Redacted] GA Primary Refinance - Rate/Term Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes D B
202898598 [Redacted] [Redacted] 5492893 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller Change - Total Payoffs TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Payoff Amount that is not equal to the sum of all payoffs listed in the Payoffs and Payments section. (Final/xx/xx/xxxx) Agency 2nd Final CD did not disclose total payoffs in Calculating Cash to Close Table.             2 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes D B
202898599 [Redacted] [Redacted] 5496082 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898599 [Redacted] [Redacted] 5520462 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing E sign consent form   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898599 [Redacted] [Redacted] 5540198 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $20,699.68 while CD seller's fees total $20,729.68.   Reviewer Comment (2018-02-15): Received PCCD with LOE to borrower that has seller paid fees listed and matches Seller CD
     02/15/2018   2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202898600 [Redacted] [Redacted] 5499374 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Non QM No D B
202898600 [Redacted] [Redacted] 5512214 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Other Income - Not to be used for qualifying Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (xxxxxx/Bank Statements) 24 months Business Bank Statements used to support income under Bank Statement Document program   Reviewer Comment (2018-02-23): Received updated tape with loan designation


Reviewer Comment (2018-02-22): Bank Statement Loans not allowed on HPQM
 02/23/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Non QM No D B
202898600 [Redacted] [Redacted] 5512216 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.               2 [Redacted] FL Primary Refinance - Rate/Term   B B B B B B B B B B Higher Priced QM Non QM No D B
202898600 [Redacted] [Redacted] 5512221 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $25.00 tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Higher Priced QM Non QM Yes D B
202898600 [Redacted] [Redacted] 5514946 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. 44.52179% Q DTI > 43%   Reviewer Comment (2018-02-23): Received updated tape with loan designation


Reviewer Comment (2018-02-22): Received CRE, unable to waive DTI, max DTI allowed on HPQM is 43% no exceptions.
 02/23/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Higher Priced QM Non QM No D B
202898600 [Redacted] [Redacted] 5539130 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided   Missing Warranty Deed conveying title from xxxxxxx   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] FL Primary Refinance - Rate/Term   D A D A D A D A D A Higher Priced QM Non QM No D B
202898600 [Redacted] [Redacted] 5539586 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .             2 [Redacted] FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Non QM Yes D B
202898600 [Redacted] [Redacted] 5539892 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. Non-QM due to self-employment income documented by bank statements under Bank Statement Documentation program   Reviewer Comment (2018-02-23): Received updated tape with loan designation
 02/23/2018       1 [Redacted] FL Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Non QM Yes D B
202898600 [Redacted] [Redacted] 5539950 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) $25.00 Title - E File Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Higher Priced QM Non QM Yes D B
202898600 [Redacted] [Redacted] 5539976 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] FL Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Higher Priced QM Non QM No D B
202898600 [Redacted] [Redacted] 5679392 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance Check Restated Loan Designation Match - General Ability to Repay Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Received updated tape with loan designation             2 [Redacted] FL Primary Refinance - Rate/Term     B   B   B   B   B Higher Priced QM Non QM Yes D B
202898601 [Redacted] [Redacted] 5490188 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-08): Received EConsent
 02/08/2018       1 [Redacted] MI Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898601 [Redacted] [Redacted] 5490190 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-02-08): Received PC CD and LOE
     02/08/2018   2 [Redacted] MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202898601 [Redacted] [Redacted] 5490193 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .             2 [Redacted] MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898601 [Redacted] [Redacted] 5490258 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898601 [Redacted] [Redacted] 5503077 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 47.68% > 45% Non-Prime Recent Housing Event program (October 20, 2017 matrix).  Lender;s 47.68% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  Stable employment Stable employment history, on the job for 28 years. Reviewer Comment (2018-02-08): Exception approval for DTI based on LTV, Stable employment
       02/08/2018 2 [Redacted] MI Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898601 [Redacted] [Redacted] 5503115 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-02-08): Received exception approval
 02/08/2018       1 [Redacted] MI Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202898601 [Redacted] [Redacted] 5503116 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-02-08): Received exception approval
 02/08/2018       1 [Redacted] MI Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898602 [Redacted] [Redacted] 5496272 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898602 [Redacted] [Redacted] 5496776 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-13): rec'd e-consent
 02/13/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898602 [Redacted] [Redacted] 5496779 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Disclosed Closing Date xx/xx/xxxx < xx/xx/xxxx actual Closing Date.   Note, Mortgage and Final Closing Disclosure dated xx/xx/xxxx acknowledged by Borrower on xx/xx/xxxx             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898602 [Redacted] [Redacted] 5496780 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202898602 [Redacted] [Redacted] 5496781 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table. (Final/xx/xx/xxxx) Calculating Cash to Close table does not disclose a $9,945.00 Seller Credit amount disclosed in the Summaries of Transaction table of final Closing Disclosure.             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898602 [Redacted] [Redacted] 5496782 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $23,947.32 fees paid by Seller at closing per Seller's CD < $24,429.64 paid by Seller at closing per Consumer's CD.  Consumer's CD discloses a $248.50 higher Title - Owner's Title Insurance fee amount paid by Seller at closing and $233.85 in Property Taxes paid by Seller at closing, not disclosed on Seller's CD             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898603 [Redacted] [Redacted] 5499297 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign is missing   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898603 [Redacted] [Redacted] 5499306 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.893%             2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898603 [Redacted] [Redacted] 5499308 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $40.95   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898603 [Redacted] [Redacted] 5499311 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $6.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77183) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898603 [Redacted] [Redacted] 5499312 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee.  Fee Amount of $34.95 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77188) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202898603 [Redacted] [Redacted] 5499329 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898603 [Redacted] [Redacted] 5539778 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing disability continuance documentation from The Hartford. (( Guideline: Documentation Requirements
Bank statements and most recent check copies; and An award letter ))		   Reviewer Comment (2018-02-15): Documentation in file satisfies requirements
 02/15/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898603 [Redacted] [Redacted] 5540354 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 04   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898603 [Redacted] [Redacted] 5540355 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Seller CD from sale of Borrowers home found in file, Missing Seller CD for this transaction.             2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202898604 [Redacted] [Redacted] 5495384 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. E-sign Consent Agreement was not provided.   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898604 [Redacted] [Redacted] 5495385 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Final CD did not provide broker contact name.   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202898604 [Redacted] [Redacted] 5495387 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Cure for Appraisal Re-inspection fee of $125.00         02/05/2018   1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202898604 [Redacted] [Redacted] 5495415 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Short $13,459.00   Reviewer Comment (2018-02-23): Received Estimate cost Valuation
 02/23/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202898604 [Redacted] [Redacted] 5495416 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202898604 [Redacted] [Redacted] 5538533 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing verbal voe within 10 days of the Note Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-27): Received VVOE post closing, borrower still employed
       02/27/2018 2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202898605 [Redacted] [Redacted] 5491654 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of ___ is less than Guideline minimum loan amount of ___. $xxx < $xxx Platinum 12 Months Personal Bank Statement program (xxx matrix).  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors:  DTI, Housing Payment decrease, Reserves 14% DTI on this Bank Statement documentation loan

23 months reserves > 6 months guideline minimum		 Reviewer Comment (2018-02-06): Credit Risk Summary & Exception approval p222
       02/06/2018 2 [Redacted] NC Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202898605 [Redacted] [Redacted] 5491655 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202898605 [Redacted] [Redacted] 5491699 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.12950% or Final Disclosure APR of 7.15800% is in excess of allowable threshold of APOR 3.94% + 1.5%, or 5.44000%.  Compliant Rate Spread Home Loan.               2 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202898605 [Redacted] [Redacted] 5491700 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-09): Received
 02/09/2018       1 [Redacted] NC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202898606 [Redacted] [Redacted] 5490962 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] AZ Second Home Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202898606 [Redacted] [Redacted] 5496154 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. No E-Sign Consent disclosure in file.             2 [Redacted] AZ Second Home Refinance - Cash-out - Other No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202898606 [Redacted] [Redacted] 5496156 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-02-13): Rec'd LOE, corrected CD and evidence of emailing.
     02/13/2018   2 [Redacted] AZ Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202898606 [Redacted] [Redacted] 5496158 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .   Reviewer Comment (2018-02-13): cleared with compliance re-run
 02/13/2018       1 [Redacted] AZ Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202898606 [Redacted] [Redacted] 5523263 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 664 score per Lender's credit report < 680 minimum Portfolio Select Bank Statement Second Home Cash-out program.  Per 1008 Loan Transmittal, Lender used Broker credit score (not documented in file).  Not acknowledged on Credit Risk Summary & Exception approval 48 Month Mortgage Payment History - 0 X 30

Borrower has job stability for 13 years as Self Employed		 Reviewer Comment (2018-02-13): Rec'd exception for:  Credit score < program requirements.
       02/13/2018 2 [Redacted] AZ Second Home Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202898606 [Redacted] [Redacted] 5535867 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Borrower currently living rent free/not allowed 48 Month Mortgage Payment History - 0 X 30

Borrower has job stability for 13 years as Self Employed		 Reviewer Comment (2018-02-08): Credit Risk Summary & Exception approval p184
       02/08/2018 2 [Redacted] AZ Second Home Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202917246 [Redacted] [Redacted] 5507412 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent form not provided             2 [Redacted] AL Primary Refinance - Cash-out - Other No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202917246 [Redacted] [Redacted] 5507492 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] AL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202917246 [Redacted] [Redacted] 5540655 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Income disclosed on Initial 1003 is significantly less than income used for qualifying with no LOX provided; as required by guidelines. Credit score, residual income, stable employment history. Reviewer Comment (2018-02-15): Rec'd exception for:  Income.  Income used based on documents supplied for qualifying while less than on initial 1003 DTI would still be in line with lower income.
       02/15/2018 2 [Redacted] AL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202917248 [Redacted] [Redacted] 5535404 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Final CD did not disclose the Mortgage Broker Contact Name.   Reviewer Comment (2018-02-15): Rec'd LOE, corrected CD and evidence of emailing.
     02/15/2018   2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202917248 [Redacted] [Redacted] 5535406 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Prepaid amount is remaining balance; Lender disclosed as 12 months.             2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917248 [Redacted] [Redacted] 5538371 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > 45% guideline max. Credit Risk Summary & Exception Approval (pg. 377) granted approval for DTI with compensating factors: Low LTV and good residual income. 50% LTV < 75% guideline max on cash-out refinance with up to $300,000.00 cash-out.

Borrower on this 24 month business bank statement documentation loan has a disposable income of $11,487.60		 Reviewer Comment (2018-02-12): Lender Exception approval provided.
       02/12/2018 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202917248 [Redacted] [Redacted] 5568082 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Qualifying FICO is < 660 Guideline minimum for Cash-out refinance; lender exception approval not provided. 50% LTV < 75% guideline max on cash-out refinance with up to $300,000.00 cash-out.

Borrower on this 24 month business bank statement documentation loan has a disposable income of $11,487.60		 Reviewer Comment (2018-02-15): Rec'd exception for 646 score < 660 per guidelines.
       02/15/2018 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202917249 [Redacted] [Redacted] 5536329 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent form not provided             2 [Redacted] TX Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202917249 [Redacted] [Redacted] 5568821 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Credit Report Error: Credit report is missing FICO scores.   Primary borrower is primary wage earner and does not minimum score requirement.  CBR reflects no scores for primary borrower and guidelines require a minimum of two scores reporting. Residual income $4460, full doc load Reviewer Comment (2018-02-15): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/15/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202917249 [Redacted] [Redacted] 5568898 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Primary wage earner has no FICO scores reporting; guideline minimum for 75% LTV is 540. Residual income $4460, full doc load Reviewer Comment (2018-02-15): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/15/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202917249 [Redacted] [Redacted] 5569132 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $10,240.00 while CD seller's fees total $10,239.50.             2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202917250 [Redacted] [Redacted] 5518927 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-02-16): Received ClearCapital Post Disaster Inspection dated xx/xx/xxxx.
 02/16/2018       1 [Redacted] CA Primary Refinance - Rate/Term   B A B A B A B A B A Non QM Safe Harbor QM No C B
202917250 [Redacted] [Redacted] 5518931 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Safe Harbor QM No C B
202917250 [Redacted] [Redacted] 5519238 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Mortgage notary date xx/xx/xxxx. Not cured on PCCD in file dated xx/xx/xxxx.             2 [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Safe Harbor QM Yes C B
202917250 [Redacted] [Redacted] 5519239 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $425.00 exceeds tolerance of $375.00 plus 10% or $412.50.  Sufficient or excess cure was provided to the borrower at Closing. (0) $412.50 violation due to increase in Recording fee.         02/07/2018   1 [Redacted] CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A A A Non QM Safe Harbor QM Yes C B
202917250 [Redacted] [Redacted] 5522808 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Alternate Table Usage TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. Not cured on PCCD in file dated xx/xx/xxxx.             2 [Redacted] CA Primary Refinance - Rate/Term Good Faith Redisclosure B B B B B B B B B B Non QM Safe Harbor QM Yes C B
202917250 [Redacted] [Redacted] 5863344 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated data tape to run as Safe Harbor             2 [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status   B   B   B   B   B Non QM Safe Harbor QM Yes C B
202917251 [Redacted] [Redacted] 5524898 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202917251 [Redacted] [Redacted] 5553918 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Assets Error: Usability  was not provided   Missing evidence that borrowers assets have been in US account for 30 days   Reviewer Comment (2018-02-23): Received Swiss Bank account for Reserves, Reserves do not have to be in US Bank account per G/L


Reviewer Comment (2018-02-14): Nothing rec'd
 02/23/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202917251 [Redacted] [Redacted] 5553970 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   xxxxxxxxxxneed first payment coupon and evidence of HOA for this file)   Reviewer Comment (2018-02-14): Rec'd first payment letter and appraisal reflecting HOA dues
 02/14/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202917252 [Redacted] [Redacted] 5526901 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client is to order a secondary appraisal upon securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202917252 [Redacted] [Redacted] 5554085 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   xxxxxxxxx need first payment coupon and evidence of HOA for this file)   Reviewer Comment (2018-02-21): New loan received first payment letter and appraisal for HOA fees


Reviewer Comment (2018-02-14): Rec'd VOM for xxxx.  Missing VOM for xxxxxx. (Simultaneous closing, need first payment coupon and evidence of HOA for this file)
 02/21/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202917252 [Redacted] [Redacted] 5554109 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Assets Error: Usability  was not provided   Missing evidence that borrowers assets have been in US account for 30 days   Reviewer Comment (2018-02-23): Reserves do not have to be in US account per G/L


Reviewer Comment (2018-02-21): Received Swiss Account letter, missing evidence assets have been in US account for 30 days.


Reviewer Comment (2018-02-14): Nothing rec'd
 02/23/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202917253 [Redacted] [Redacted] 5521426 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202917253 [Redacted] [Redacted] 5524092 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI exceeds 45% but meets exception policy based on compensating factors of residual income and stable employment Borrower has $1,996.43 residual income.

Borrower has employment stability for 10 years on current job.

639 > 580 minimum requirement.		 Reviewer Comment (2018-02-12): Meets exception policy per Credit Risk Summary & Exception Approval.
       02/12/2018 2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202917253 [Redacted] [Redacted] 5524151 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Alternate Table Usage TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. Loan Estimates and Final CD are without-seller form. Initial CD's are with-seller.   Reviewer Comment (2018-02-12): Data was corrected on Final CD.
     02/12/2018   2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202917254 [Redacted] [Redacted] 5537985 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $93,708.89 total fees paid b y Seller at closing > $93,240.50 paid by Seller at closing per Consumer's CD.  Seller CD discloses a $468.39 Final Water Bill not disclosed on Consumer's CD             2 [Redacted] NJ Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202917254 [Redacted] [Redacted] 5538375 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .   Reviewer Comment (2018-02-23): Cleared with re-run
 02/23/2018       1 [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202917254 [Redacted] [Redacted] 5538475 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-07): 2nd full appraisal in file
 03/07/2018       1 [Redacted] NJ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917254 [Redacted] [Redacted] 5545189 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-15): rec'd e-consent
 02/15/2018       1 [Redacted] NJ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202917254 [Redacted] [Redacted] 5545190 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.  $9,433.14 Property Taxes paid by Borrower at closing disclosed.   Reviewer Comment (2018-02-16): Rec'd LOE, corrected CD and evidence of emailing.
     02/16/2018   2 [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917254 [Redacted] [Redacted] 5545191 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $1,500.00 tolerance.   Reviewer Comment (2018-02-23): Received COC
 02/23/2018       1 [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202917254 [Redacted] [Redacted] 5549577 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent And Other).  Fee Amount of $1,500.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7742) $1,500.00 Attorney Fee not disclosed on Initial Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Initial & Revised Loan Estimate discloses a $1,250.00 Title - Attorney fee.  Fee was not disclosed in Initial Closing Disclosure but added as fee on Final Closing Disclosure.   Final Closing Disclosure does not reflect a Lender credit for $1,500.00 tolerance.   Reviewer Comment (2018-02-23): Received COC


Reviewer Comment (2018-02-15): Nothing rec'd
 02/23/2018       1 [Redacted] NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202917254 [Redacted] [Redacted] 5549894 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 1.07 months < 6 months PITI Platinum 12 Months Personal Bank Statement program (xxxxxx). Business assets may not be used as reserves. Credit history, residual income Reviewer Comment (2018-02-15): Rec'd exception for:  reserve requirements not met.
       02/15/2018 2 [Redacted] NJ Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202917255 [Redacted] [Redacted] 5543335 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.               2 [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation   B B B B B B B B B B Non QM Non QM No C B
202917255 [Redacted] [Redacted] 5543403 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202917256 [Redacted] [Redacted] 5507929 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917256 [Redacted] [Redacted] 5507992 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Not in file.   Reviewer Comment (2018-02-21): Received
 02/21/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202917256 [Redacted] [Redacted] 5507993 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/xx/xx/xxxx) Mortgage Broker Contact name not reported on Final Closing Disclosure.   Reviewer Comment (2018-02-26): Rec'd corrected CD and evidence of emailing.
     02/26/2018   2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C B C B Non QM Non QM Yes C B
202917256 [Redacted] [Redacted] 5507995 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Fee not paid to same service provider and no valid COC or cure provided.   Reviewer Comment (2018-02-27): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 02/27/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202917256 [Redacted] [Redacted] 5507997 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $15,947.16 while CD seller's fees total $16,082.16.   Reviewer Comment (2018-02-26): Rec'd corrected CD and evidence of emailing.
 02/26/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202917256 [Redacted] [Redacted] 5513042 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Bank Statement program requires 700 FICO for 90% LTV.  Lender exception on pg. 316.  Comp factors:  Residual Income, Stable Employment History Borrower has employment stability for 15 years as a self-employed xxx.

Borrower on this 12 months personal bank statement documentation loan has a disposable income of $4,506.37		 Reviewer Comment (2018-02-09): Lender Exception approval provided.
       02/09/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202917256 [Redacted] [Redacted] 5545199 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Additional account holder on personal bank statements used for income is not on the loan.  Guidelines require all account holders for bank statement documentation to be on the loan. Borrower has employment stability for 15 years as a self-employed xxx.

Borrower on this 12 months personal bank statement documentation loan has a disposable income of $4,506.37		 Reviewer Comment (2018-02-27): Rec'd exception for:  Bank statement account requirements not met.  Additional account holder on personal bank statements used for income is not on the loan.  Guidelines require all account holders for bank statements do.


Reviewer Comment (2018-02-27): Rec'd access letter from spouse.  Per section 18.2.1 of guidelines, all parties on the bank statements must be on the loan.
       02/27/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202917256 [Redacted] [Redacted] 5545573 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77183) COC dated 0xx/xx/xxxx does not list the reason for the fee addition or when the lender was made aware of the fee.  Title - Governmental Surcharge is not paid to the same service provider as other fees found on the LE.   Reviewer Comment (2018-02-27): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 02/27/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202917256 [Redacted] [Redacted] 5546285 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Seller CD from sale of departure residence was not signed and the print date is 6 days prior to closing date listed (marked Internal Use Only) and verification of receipt of funds was not provided.   Reviewer Comment (2018-02-27): Rec'd evidence of sufficient funds.
 02/27/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917256 [Redacted] [Redacted] 5546829 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Departure residence included in REO; proof of payoff not provided. Seller CD from sale of departure residence was not signed and the print date is 6 days prior to closing date listed (marked Internal Use Only) and verification of receipt of funds was not provided.  Credit report comparison (xxxxxxx) does not show mortgage on departure residence as paid.   Reviewer Comment (2018-02-27): Rec'd proof of sale of departure property.
 02/27/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917256 [Redacted] [Redacted] 5546904 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > Guideline max   Reviewer Comment (2018-02-27): DTI within guidelines.
 02/27/2018       1 [Redacted] TX Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202917256 [Redacted] [Redacted] 5546905 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > Guideline max   Reviewer Comment (2018-02-27): DTI within guidelines.
 02/27/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917257 [Redacted] [Redacted] 5550843 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   Missing Mortgage Statements for Second Mortgages for REO properties.   Reviewer Comment (2018-02-15): Rec'd marked-up credit report and evidence of PITIA for all REO.
 02/15/2018       1 [Redacted] OR Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202917257 [Redacted] [Redacted] 5554193 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] OR Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202917258 [Redacted] [Redacted] 5506068 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Investment Purchase   C A C A C A C A C A N/A N/A No C A
202917259 [Redacted] [Redacted] 5512436 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202917260 [Redacted] [Redacted] 5543380 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202917260 [Redacted] [Redacted] 5543572 [Redacted] [Redacted] Credit Assets Document Error Assets Available for Closing is insufficient to cover Cash From Borrower.   $33,791.35 < $34,346.67   Reviewer Comment (2018-02-27): input savings information from Minor child, allowed per guidelines


Reviewer Comment (2018-02-27): Borrower brought $33,371.67 to closing, had a $500 earnest money deposit and a $475 appraisal deposit.  Total funds to be verified = $34,346.67.


Reviewer Comment (2018-02-15): Rec'd birth certificate for minor.  Funds already included. Verified assets are: xxxx $1362, xxxxx $934.80, xxxxx $5,023.37, xxxxx $7,013.35.  Proceeds from sale $xxx and earnest money $500.  Total $xxx.


Buyer Comment (2018-02-13): uploaded birth certificate showing xxx is a minor
 02/27/2018       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202917260 [Redacted] [Redacted] 5548514 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy.   Missing verification 6 months ($xxx) PITI reserves Portfolio Select (xxx matrix / xxxxx Note date).   $xxx in assets on deposit with xxx (p 150) are in name of Co-borrower's dependent xxxxxx as an individual.  Age of dependent not documented in file.  Satisfactory evidence that Borrower or Co-borrower have full access to funds is not documented in file.   Reviewer Comment (2018-02-27): input savings information from Minor child, allowed per guidelines


Reviewer Comment (2018-02-27): Borrower brought $xxx to closing, had a $500 earnest money deposit and a $475 appraisal deposit = $xxx.  6 months PITI = $10,105.56.  Total funds to be verified = $xxx.


Buyer Comment (2018-02-23): cash to close $33,371.67 is less than verified funds of $33,791.35


Reviewer Comment (2018-02-15): Rec'd birth certificate for minor.  Funds already included. Verified assets are: xxxx $1362, xxxxx $934.80, xxxxx $5,023.37, xxxxx $7,013.35.  Proceeds from sale $18,957.83 and earnest money $500.  Total $33,791.35.


Buyer Comment (2018-02-13): uploaded birth certificate showing xxx is a minor
 02/27/2018       1 [Redacted] TN Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202917261 [Redacted] [Redacted] 5532749 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NV Investment Purchase   C A C A C A C A C A N/A N/A No C A
202917262 [Redacted] [Redacted] 5541737 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-10): received CDA within 10%
 03/10/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202917262 [Redacted] [Redacted] 5541918 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.) Right to Cancel H8 form used on Lender to Lender refinance transaction.  AOHL rate and term refinance transaction of existing AOHL loan.             2 [Redacted] GA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B B B B B B B B B B Non QM Non QM Yes C B
202917262 [Redacted] [Redacted] 5546078 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .             2 [Redacted] GA Primary Refinance - Rate/Term No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202917262 [Redacted] [Redacted] 5568816 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Valuation:   Missing full second appraisal report.  Approved loan amount $xxx.  Two (2) appraisals are required loan amount > $xxx under approved Portfolio Select program xxxxx   Reviewer Comment (2018-02-13): Loan is Jumbo PS Guidelines and does not require 2 full appraisals, AVM meets the guidelines.
 02/13/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202917262 [Redacted] [Redacted] 5569532 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,324.00 exceeds tolerance of $3,294.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Final Closing Disclosure discloses a Lender credit for tolerance.         02/12/2018   1 [Redacted] GA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202917263 [Redacted] [Redacted] 5531647 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Not in file.             2 [Redacted] FL Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202917263 [Redacted] [Redacted] 5531649 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller CD reported $28,836.00 in seller paid fees versus $29,485 reported on the final CD.             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917263 [Redacted] [Redacted] 5531695 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917263 [Redacted] [Redacted] 5569507 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. No source of funds deposited into xxxxxxx). Assumed from account #xxxx - so removed from assets since no updated statement in file to confirm xxxxx DTI, residual income Reviewer Comment (2018-02-15): Rec'd exception for reserve requirements not met.
       02/15/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202917264 [Redacted] [Redacted] 5529855 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] AL Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202917264 [Redacted] [Redacted] 5531916 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Credit score is less than program requirements but meets exception policy based on DTI and LTV. LTV below maximum allowed. 60% vs 70%

40.988% vs 45%

27.98 months vs 3 months

Borrower on this Full documentation loan has a disposable income of $3,958.93		 Reviewer Comment (2018-02-12): Meets exception policy per Credit Risk Summary & Exception Approval.
       02/12/2018 2 [Redacted] AL Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202917264 [Redacted] [Redacted] 5532551 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Alternate Table Usage TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. LE appears to use refinance tables however CD uses purchase money tables.   Reviewer Comment (2018-02-12): Data was corrected on subsequent disclosures
     02/12/2018   2 [Redacted] AL Primary Refinance - Cash-out - Other Good Faith Redisclosure B B B B B B B B B B Non QM Non QM Yes C B
202917265 [Redacted] [Redacted] 5538699 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing Document   Reviewer Comment (2018-02-16): Received
 02/16/2018       1 [Redacted] UT Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202917265 [Redacted] [Redacted] 5538700 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 2.146   Reviewer Comment (2018-02-16): Reran Compliance with higher Index
 02/16/2018       1 [Redacted] UT Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202917265 [Redacted] [Redacted] 5545216 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Short $385,940.00   Reviewer Comment (2018-02-20): Per letter from Insurance, they estimate the cost to rebuild will be $1,038,000 + 25% extended coverage.


Reviewer Comment (2018-02-16): Received same insurance. Coverage $1,038,000 + $259,500 = $1,297,500. Replacement cost per Appraisal is $1,683,440.
 02/20/2018       1 [Redacted] UT Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917265 [Redacted] [Redacted] 5545252 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $168,422.00 < $168,777.11             2 [Redacted] UT Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202917266 [Redacted] [Redacted] 5510525 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917266 [Redacted] [Redacted] 5511486 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 2.043             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917267 [Redacted] [Redacted] 5520138 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $29.15   Reviewer Comment (2018-02-28): Rec'd valid COC.
 02/28/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202917267 [Redacted] [Redacted] 5520141 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $2,361.15 exceeds tolerance of $2,332.00.  Insufficient or no cure was provided to the borrower. (8304) Zero Percent Fee Tolerance exceeded   Reviewer Comment (2018-02-28): Rec'd valid COC.


Buyer Comment (2018-02-28): fee increase was seller paid fees this should not be included in compliance testing
 02/28/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202917267 [Redacted] [Redacted] 5520161 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917267 [Redacted] [Redacted] 5560003 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.960   Reviewer Comment (2018-02-28): Rec'd LOE, corrected CD and evidence of emailing.
     02/28/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917269 [Redacted] [Redacted] 5530373 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] OR Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917269 [Redacted] [Redacted] 5535293 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. DTI > Guideline Max of 45%.  Lender exception approval not provided.   Reviewer Comment (2018-02-14): Gave Coborrower 2 yr/+ YTD income as borrower received raise this year and  last few years $260.
 02/14/2018       1 [Redacted] OR Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917269 [Redacted] [Redacted] 5535550 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > Guideline Max   Reviewer Comment (2018-02-14): Re-ran with average income for coborrower
 02/14/2018       1 [Redacted] OR Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202917269 [Redacted] [Redacted] 5535551 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > Guideline Max   Reviewer Comment (2018-02-14): Re-ran with average income for coborrower
 02/14/2018       1 [Redacted] OR Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917269 [Redacted] [Redacted] 5535553 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement not provided.             2 [Redacted] OR Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202917269 [Redacted] [Redacted] 5565796 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $12,788.31 while CD seller's fees total $3,346.22.             2 [Redacted] OR Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202917269 [Redacted] [Redacted] 5566016 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Verified reserves < 6 month guideline minimum.  Credit Risk Summary and Exception approval (pg. 300) for reserve requirements not met with comp factors: Low LTV and stable employment history. 43.33% LTV < 80.00% guideline max -  $132,000.00 more equity than required by program guidelines.

Borrower has job stability for 4 years as a xxx
Co-Borrower has job stability for 24 years as a xxx		 Reviewer Comment (2018-02-12): Lender exception approval provided.
       02/12/2018 2 [Redacted] OR Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202917270 [Redacted] [Redacted] 5522184 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NV Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917270 [Redacted] [Redacted] 5524554 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $135.00 exceeds tolerance of $120.00 plus 10% or $132.00.  Sufficient or excess cure was provided to the borrower at Closing. (0) A $3.00 Lender Credit was provided on the Final CD         02/07/2018   1 [Redacted] NV Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202917270 [Redacted] [Redacted] 5566717 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 1.882, used lowest Index in date range = 1.99731%             2 [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917271 [Redacted] [Redacted] 5532693 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent form not provided             2 [Redacted] CA Second Home Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202917271 [Redacted] [Redacted] 5532695 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xx/xx/xxxx disclosed a negative fee amount. (Final/xx/xx/xxxx) Negative fee amount on Seller's CD.   Reviewer Comment (2018-02-15): Fee on seller's and not borrower's CD.  No violation.
 02/15/2018       1 [Redacted] CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202917271 [Redacted] [Redacted] 5532725 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] CA Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202917271 [Redacted] [Redacted] 5536635 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Index per Rate Lock is 2.109   Reviewer Comment (2018-02-15): Cleared with compliance re-run.
 02/15/2018       1 [Redacted] CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202917271 [Redacted] [Redacted] 5568053 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   No documentation provided to show income or PITIA for xxxxx shown on Final 1003.   Reviewer Comment (2018-02-15): Borrower has no interest in the property.


Reviewer Comment (2018-02-15): Rec'd property report reflecting borrower has no interest in the property.
 02/15/2018       1 [Redacted] CA Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202917271 [Redacted] [Redacted] 5568197 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/361095) California new property tax payment should use 1.25% of purchase price.   Reviewer Comment (2018-02-15): Rec'd LOE, corrected CD and evidence of emailing.
     02/15/2018   2 [Redacted] CA Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202917271 [Redacted] [Redacted] 5568198 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/361096) California new property tax payment should use 1.25% of purchase price.   Reviewer Comment (2018-02-15): Rec'd LOE, corrected CD and evidence of emailing.
     02/15/2018   2 [Redacted] CA Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202917271 [Redacted] [Redacted] 5568199 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/361097) California new property tax payment should use 1.25% of purchase price.   Reviewer Comment (2018-02-15): Rec'd LOE, corrected CD and evidence of emailing.
     02/15/2018   2 [Redacted] CA Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202917271 [Redacted] [Redacted] 5568200 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/361098) California new property tax payment should use 1.25% of purchase price.   Reviewer Comment (2018-02-15): Rec'd LOE, corrected CD and evidence of emailing.
     02/15/2018   2 [Redacted] CA Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202917271 [Redacted] [Redacted] 5568201 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/361095) California new property tax payment should use 1.25% of purchase price.   Reviewer Comment (2018-02-15): Rec'd LOE, corrected CD and evidence of emailing.
     02/15/2018   2 [Redacted] CA Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C B C B Non QM Non QM Yes C B
202917271 [Redacted] [Redacted] 5568203 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller paid fees not shown on Buyers Final CD.             2 [Redacted] CA Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202917273 [Redacted] [Redacted] 5532721 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202917273 [Redacted] [Redacted] 5550730 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   Missing AO Note and Final Closing Disclosure documenting PITIA for xxxx   Reviewer Comment (2018-02-14): Rec'd evidence of PITIA for 121st Street property
 02/14/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202917275 [Redacted] [Redacted] 5561799 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Legal Limit exceeded on Final CD.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202917275 [Redacted] [Redacted] 5561802 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee.  Fee Amount of $59.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77188) This fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-02-23): Received Attestation letter


Reviewer Comment (2018-02-16): Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.
 02/23/2018       1 [Redacted] TX Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202917275 [Redacted] [Redacted] 5561847 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202917275 [Redacted] [Redacted] 5578268 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 250. Reserves: Requirements not met. Compensating Factors: 1) Residual Income. 2) Stable Employment History. $6,364.86 Residual Income on a Bank Statement loan

Borrower has job stability for 14 years as a xxx		 Reviewer Comment (2018-02-13): Compensating Factors: 1) Residual Income. 2) Stable Employment History.
       02/13/2018 2 [Redacted] TX Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202917275 [Redacted] [Redacted] 5581957 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. not located in loan file   Reviewer Comment (2018-02-16): Received
 02/16/2018       1 [Redacted] TX Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202917276 [Redacted] [Redacted] 5527758 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.               2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202917276 [Redacted] [Redacted] 5527766 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917276 [Redacted] [Redacted] 5536221 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917276 [Redacted] [Redacted] 5551784 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Credit Report Error: Missing source document for credit/housing history.   6 months recent rent checks (xxxxxxxxx) < 12 months required.  Loan file contains private VOR + 6 months checks.  Lender's Credit Risk Summary & Exception Approval in file. Compensating factors:  DTI and Residual income Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-10): Credit Risk Summary & Exception approval p198
       02/10/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202917276 [Redacted] [Redacted] 5551794 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing YTD check stub for Co-borrower issued byxxxxxx within 10 days of closing Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-15): Exception approval for missing paystubs - W2, tax returns and transcripts match, credit score, and stable employment history


Reviewer Comment (2018-02-14): The co-borrower is employed by a family member.  There are no paystubs in file.  Missing 2 current pay stubs covering a 30 day period.


Buyer Comment (2018-02-12): Written VOE is acceptable to current pay stub with YTD income
       02/15/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202917277 [Redacted] [Redacted] 5533727 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NJ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917277 [Redacted] [Redacted] 5534129 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .             2 [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917278 [Redacted] [Redacted] 5519991 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 04   Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD and evidence of emailing.
     02/27/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917278 [Redacted] [Redacted] 5519992 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $75.00 plus $40.00.   Reviewer Comment (2018-02-27): Data was corrected on subsequent CDs (SFIG)
 02/27/2018       1 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202917278 [Redacted] [Redacted] 5519994 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller CD reported $12,193.98 in seller paid fees versus $12,418.98 reported on the final CD.   Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD and evidence of emailing.
     02/27/2018   2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917278 [Redacted] [Redacted] 5519997 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $40.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7571) Fee not disclosed on Loan Estimates   Reviewer Comment (2018-02-27): Data was corrected on subsequent CDs (SFIG)


Reviewer Comment (2018-02-23): Revised CD not received


Buyer Comment (2018-02-20): fee disclosed as IRS tax verify on initial CD- corrected fee name
 02/27/2018       1 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202917278 [Redacted] [Redacted] 5519998 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Fee.  Fee Amount of $14.47 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) Fee in wrong section of CD, so being picked up for tolerance issue.   Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD and evidence of emailing.
     02/27/2018   2 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202917278 [Redacted] [Redacted] 5519999 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7728) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-23): Received signed attestation letter


Reviewer Comment (2018-02-23): received attestation letter not signed
 02/23/2018       1 [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202917278 [Redacted] [Redacted] 5520064 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202917278 [Redacted] [Redacted] 5562083 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.   Credit history Reviewer Comment (2018-02-15): Rec'd exception for:  Reserve requirements not met.
       02/15/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202917279 [Redacted] [Redacted] 5544075 [Redacted] [Redacted] Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan.  Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)     Reviewer Comment (2018-02-23): Received Texas Disclosure Form T-64 showing endorsement T-42 and T-42.1 inlcuded
 02/23/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A B A B A B A B A Non QM Non QM No C B
202917279 [Redacted] [Redacted] 5544076 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-02-23): Received
 02/23/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202917279 [Redacted] [Redacted] 5544077 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.     Reviewer Comment (2018-02-27): Rec'd signed form.


Reviewer Comment (2018-02-23): Received copy of Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges - Unsigned and no evidence of it provided
 02/27/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A C A C A C A C A Non QM Non QM Yes C B
202917279 [Redacted] [Redacted] 5544078 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-15): rec'd e-consent.
 02/15/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202917279 [Redacted] [Redacted] 5544079 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx) .   Reviewer Comment (2018-02-15): cleared with compliance re-run
 02/15/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202917279 [Redacted] [Redacted] 5544080 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.  $17,410.38 Property Taxes paid by Borrower at closing disclosed.             2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917279 [Redacted] [Redacted] 5548936 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $6,750.00 exceeds tolerance of $6,693.75.  Sufficient or excess cure was provided to the borrower at Closing. (7200) Final Closing Disclosure discloses a $56.25 Lender credit for tolerance.         02/09/2018   1 [Redacted] TX Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202917279 [Redacted] [Redacted] 5562780 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 651 (lowest middle score of all Borrowers) per Lender's credit report < 660 Portfolio Select Bank Statement Cash-out program (xxxxx).  Exception not acknowledged by Lender. Credit history, reserves, residual income. Reviewer Comment (2018-02-15): Rec'd exception for credit score < program requirements.
       02/15/2018 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202917279 [Redacted] [Redacted] 5567174 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Security Instrument did not disclose that loan is a Texas Home Equity Loan) Texas Constitution Section 50(a)(6):  Texas Cash-out Loan.   Security instrument does not disclose that the loan is a TX Home Equity/50(a)(6) Loan.     Reviewer Comment (2018-02-27): Satisfactory security instrument in file.
 02/27/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A C A C A C A C A Non QM Non QM Yes C B
202917279 [Redacted] [Redacted] 5567175 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Loan Not Closed At Office of Lender, Attorney, or Title Company) Texas Constitution Section 50(a)(6):  Unable to determine if loan was closed an an authorized location due to missing documentation.     Reviewer Comment (2018-02-27): Settlement agent listed on final CD.
 02/27/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B A B A B A B A B A Non QM Non QM No C B
202917280 [Redacted] [Redacted] 5529312 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $495.00 Title - Settlement fee, $25.00 Title - Wire fee and $12.00 Title - Document prep fee paid by Seller at closing per Seller CD not disclosed on Consumer's CD             2 [Redacted] TN Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202917280 [Redacted] [Redacted] 5529328 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Loan Type TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Loan Type that does not match the actual loan type for the loan. (Final/xx/xx/xxxx) Disclosed Loan Type Other - 24 vs. actual Loan Type Conventional per Note             2 [Redacted] TN Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917280 [Redacted] [Redacted] 5529330 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .             2 [Redacted] TN Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917280 [Redacted] [Redacted] 5529333 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TN Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202917280 [Redacted] [Redacted] 5535069 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Disclosure reflects $1,448.87 homeowner's insurance premium.  Should be $1,423.92 @ $118.66 per month             2 [Redacted] TN Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202917281 [Redacted] [Redacted] 5544834 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xx/xx/xxxx) Appraisal originally completed xx/xx/xxxx, emailed to borrower  xx/xx/xxxx and xx/xx/xxxx later revised xx/xx/xxxx to correct subject project information.             2 [Redacted] NC Investment Purchase   B B B B B B B B B B N/A N/A No C B
202917281 [Redacted] [Redacted] 5544836 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] NC Investment Purchase   C A C A C A C A C A N/A N/A No C B
202917281 [Redacted] [Redacted] 5554503 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Within 10 days of Note/Closing date   Reviewer Comment (2018-02-27): Not using this source, do not require


Reviewer Comment (2018-02-14): Rec'd VVOE for co-borrower.  Missing borrower's VVOE from xxx dated within 10 days of closing.
 02/27/2018       1 [Redacted] NC Investment Purchase   C A C A C A C A C A N/A N/A No C B
202917283 [Redacted] [Redacted] 5534012 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202917283 [Redacted] [Redacted] 5534792 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7522) Final Closing Disclosure discloses a $125.00 Lender credit for tolerance.         02/08/2018   1 [Redacted] TX Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202917283 [Redacted] [Redacted] 5539237 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) .   Reviewer Comment (2018-02-16): Reran Compliance with higher Index
 02/16/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202917283 [Redacted] [Redacted] 5548308 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx Within 10 days of Note date/Closing   Reviewer Comment (2018-02-16): Received
 02/16/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202957204 [Redacted] [Redacted] 5566357 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Investment Purchase   C A C A C A C A C A N/A N/A No C A
202957205 [Redacted] [Redacted] 5578126 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client is to order a secondary appraisal upon securitization   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] OK Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957205 [Redacted] [Redacted] 5578834 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 8.14260% or Final Disclosure APR of 8.17600% is in excess of allowable threshold of APOR 4.15% + 1.5%, or 5.65000%.  Compliant Higher Priced Loan. Verified fees were input correctly.             2 [Redacted] OK Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202957205 [Redacted] [Redacted] 5585397 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $350.   Reviewer Comment (2018-02-25): Received attestation letter with provider selected and fees
 02/25/2018       1 [Redacted] OK Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957205 [Redacted] [Redacted] 5585398 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $350.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7727) Fee not disclosed on LE.  Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is therefore included in 0% tolerance testing.   Reviewer Comment (2018-02-25): Received attestation letter with provider selected and fees


Reviewer Comment (2018-02-23): received attestation letter for wrong amount
 02/25/2018       1 [Redacted] OK Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957206 [Redacted] [Redacted] 5603435 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 5.87 months ($144,758.98) < 12 months ($277,843.92) for First Time Home Buyer under Platinum program (xxxxx).  Lender's 6 months ($150,753.70) calculation < 12 months.    Exception not acknowledged by Lender Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-19): Exception approval in file for Loan Amount and Reserves, based on DTI and Stable Employment history
       02/19/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957206 [Redacted] [Redacted] 5603446 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy. Note loan amount of ___ is greater than Guideline maximum loan amount of ___. $xxx > $xxx maximum allowed under Platinum Bank Statement program (xxxxxx).  Lender's Credit Risk Summary & Exception Approval in file. No compensating factors are referenced on Lender's approval. Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-19): Exception approval in file for Loan Amount and Reserves, based on DTI and Stable Employment history


Reviewer Comment (2018-02-19): With Comp


Reviewer Comment (2018-02-16): No compensating factors are referenced on Lender's approval.
       02/19/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957206 [Redacted] [Redacted] 5603482 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation HOA Error: Subject is located in a project and HOA Information was not provided. Valuation Type: Appraisal / Valuation Report Date: xxx Missing corrected second appraisal report dated xxxxxxto reflect HOA information.  Subject is located in a PUD.  HOA dues amount and HOA payment frequency information not provided.   Reviewer Comment (2018-02-26): Recieved


Reviewer Comment (2018-02-19): Nothing provided
 02/26/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957206 [Redacted] [Redacted] 5603522 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-19): Received EConsent
 02/19/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957206 [Redacted] [Redacted] 5603837 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Additional Property Taxes Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Additional Property Taxes under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.  $11,087.40 Property Taxes paid by Borrower at closing disclosed.             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957206 [Redacted] [Redacted] 5607987 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Consumer's CD discloses a $15.00 higher Title - Notary fee amount, $215.00 & 100.00 HOA Dues and $250.00 HOA Transfer fees paid by Seller at closing not disclosed on on Seller's CD.             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5566641 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Bankruptcy Documents not provided       Reviewer Comment (2018-02-23): BK over 5 years old, not required
 02/23/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202957207 [Redacted] [Redacted] 5567872 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202957207 [Redacted] [Redacted] 5568103 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. CD reflects $3,053.40, calculates to be $3,934.55.  Data is corrected on subsequent CD.   Reviewer Comment (2018-02-27): Received CD dated xx/xx/xxxx
 02/27/2018       1 [Redacted] GA Primary Refinance - Rate/Term   B A B A B A B A B A Non QM Non QM No C B
202957207 [Redacted] [Redacted] 5568106 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Disclosure reflects Closing Date of (xx/xx/xxxx), but transaction consummation (mortgage notary) date was (xx/xx/xxxx).  Data was corrected on subsequent CD, however, evidence of required letter of explanation not found in file.   Reviewer Comment (2018-02-27): Received CD dated xx/xx/xxxx
 02/27/2018       1 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5568107 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/364193) CD reflects $786.91, calculates to be $508.84.  Data was corrected on subsequent CD, however no evidence found in file of  Letter of Explanation, Proof of Delivery, Corrected CD, and Re-opening of Rescission.   Reviewer Comment (2018-02-27): Received CD dated xx/xx/xxxx
 02/27/2018       1 [Redacted] GA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5568109 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/364194) CD reflects $786.91, calculates to be $508.84.  Data was corrected on subsequent CD, however no evidence found in file of  Letter of Explanation, Proof of Delivery, Corrected CD, and Re-opening of Rescission.   Reviewer Comment (2018-02-27): Received CD dated xx/xx/xxxx
 02/27/2018       1 [Redacted] GA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5568110 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/364195) CD reflects $786.91, calculates to be $508.84.  Data was corrected on subsequent CD, however no evidence found in file of  Letter of Explanation, Proof of Delivery, Corrected CD, and Re-opening of Rescission.   Reviewer Comment (2018-02-27): Received CD dated xx/xx/xxxx
 02/27/2018       1 [Redacted] GA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5568111 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/364196) CD reflects $786.91, calculates to be $508.84.  Data was corrected on subsequent CD, however no evidence found in file of  Letter of Explanation, Proof of Delivery, Corrected CD, and Re-opening of Rescission.   Reviewer Comment (2018-02-27): Received CD dated xx/xx/xxxx
 02/27/2018       1 [Redacted] GA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5568112 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/364193) CD reflects $3,517.44, calculates to be $3,239.37.   Data was corrected on subsequent CD, however no evidence found in file of  Letter of Explanation, Proof of Delivery, Corrected CD, and Re-opening of Rescission.   Reviewer Comment (2018-02-27): Received CD dated xx/xx/xxxx
 02/27/2018       1 [Redacted] GA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A C A Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5568114 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $45.   Reviewer Comment (2018-02-27): See new exception upon receipt of CD dated xx/xx/xxxx
 02/27/2018       1 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5568118 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $45.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7724) Fee not disclosed on LE.  Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is therefore included in 0% tolerance testing.   Reviewer Comment (2018-03-01): Received Attestation letter
 03/01/2018       1 [Redacted] GA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5580248 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Georgia Residential Mortgage Fee reflected in section B, should be in section E.   Reviewer Comment (2018-03-01): NA
 03/01/2018       1 [Redacted] GA Primary Refinance - Rate/Term Good Faith Redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5706433 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) New exception upon receipt of unsigned CD dated xx/xx/xxxx.   Reviewer Comment (2018-03-01): Received Attestation letter
 03/01/2018       1 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure   A   A   A   A   A Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5706434 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. New exception upon receipt of unsigned CD dated xx/xx/xxxx. Default date received xx/xx/xxxx.   Reviewer Comment (2018-03-01): Rec'd evidence rescission re-opened and proof of delivery.
     03/01/2018   2 [Redacted] GA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form   B   B   B   B   B Non QM Non QM Yes C B
202957207 [Redacted] [Redacted] 5706435 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). New exception upon receipt of unsigned CD dated xx/xx/xxxx. Default date received xx/xx/xxxx.   Reviewer Comment (2018-03-01): Rec'd evidence rescission re-opened and proof of delivery.
     03/01/2018   2 [Redacted] GA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form   B   B   B   B   B Non QM Non QM Yes C B
202957208 [Redacted] [Redacted] 5571221 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] WA Investment Refinance - Rate/Term   C A C A C A C A C A N/A N/A No C A
202957208 [Redacted] [Redacted] 5571412 [Redacted] [Redacted] Credit Data Verification General Data Verification The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. Investor's qualifying DTI: ___
QM qualifying DTI: ___		 Missing Lease agreement for xxx  I/O payment is $xxx, Insurance is $390.65. - Also Missing Taxes   Reviewer Comment (2018-02-21): Updated DTI with proof of ownership from xxx provided
 02/21/2018       1 [Redacted] WA Investment Refinance - Rate/Term   B A B A B A B A B A N/A N/A No C A
202957208 [Redacted] [Redacted] 5574164 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy.   IRA debt $500 monthly payment plan for xxxx 1040 taxes was not included in the borrower's total qualifying debts.   Reviewer Comment (2018-02-21): Updated DTI with proof of ownership from xxx provided
 02/21/2018       1 [Redacted] WA Investment Refinance - Rate/Term   C A C A C A C A C A N/A N/A No C A
202957208 [Redacted] [Redacted] 5582706 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor Qualifying Residual income discrepancy.   Missing Lease agreement for xxxxxxx  I/O payment is $7654.50, Insurance is $390.65. - Also Missing Taxes   Reviewer Comment (2018-02-21): Updated DTI with proof of ownership from xxx provided
 02/21/2018       1 [Redacted] WA Investment Refinance - Rate/Term   C A C A C A C A C A N/A N/A No C A
202957209 [Redacted] [Redacted] 5606529 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957209 [Redacted] [Redacted] 5606930 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $515.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $15.00 Lender credit for tolerance.         02/15/2018   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202957209 [Redacted] [Redacted] 5637914 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 126.219% > 124.043% Calculated TIP   Reviewer Comment (2018-02-26): Reran Compliance with higher Index
 02/26/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957209 [Redacted] [Redacted] 5643898 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Consumer's CD discloses a $5,962.50 higher amount RE Seller Commission fee paid by Seller at closing than disclosed on Seller's CD.  Consumer CD discloses $23,850.00 vs. $17,887.50 disclosed on Seller's CD   Reviewer Comment (2018-02-26): Rec'd LOE, corrected CD and evidence of emailing.
     02/26/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957210 [Redacted] [Redacted] 5598798 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] SC Investment Purchase   C A C A C A C A C A     No C B
202957210 [Redacted] [Redacted] 5616183 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   $xxx loan amount exceeds $650,000 max for single unit property on xxxx Investor Cash Flow Program. $235,776.64 reserves > $35,782.62 minimum requirement. Reviewer Comment (2018-02-22): Received Credit Risk Summary & Exception Approval. Loan Amount Exceeds maximum allowed by product. Compensating Factors: 1) Credit History. 2) Reserves.
       02/22/2018 2 [Redacted] SC Investment Purchase   C B C B C B C B C B     No C B
202957212 [Redacted] [Redacted] 5571069 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202957212 [Redacted] [Redacted] 5571072 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility Borrower and Mortgage Eligibility 1003 Error: Citizenship Source Documentation  was not provided Borrower: xxxxxx Resident Alien Card was not provided.             2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   B B B B B B B B B B Non QM Non QM No C B
202957212 [Redacted] [Redacted] 5571105 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.               2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   B B B B B B B B B B Non QM Non QM No C B
202957212 [Redacted] [Redacted] 5571107 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $25.   Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD, copy of refund check and proof of delivery
     02/27/2018   2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957212 [Redacted] [Redacted] 5571108 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $540.00 exceeds tolerance of $515.00.  Insufficient or no cure was provided to the borrower. (7506) Fee disclosed on LE as $515 and as $540 on Final CD.   Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD, copy of refund check and proof of delivery
     02/27/2018   2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202957212 [Redacted] [Redacted] 5578084 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Missing verifiction overdraft activity was reviewed for acceptability as required per guidelines on Bank Statement programs.   Reviewer Comment (2018-02-16): Received LOE form Borrower
 02/16/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202957212 [Redacted] [Redacted] 5581781 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Business Funds nor cash out proceeds may not be used for reserve requirements. 765 representative FICO score > 760 guideline minimum Reviewer Comment (2018-02-16): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Credit Score. 2) Credit History. 3) Housing payment decreasing.
       02/16/2018 2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202957213 [Redacted] [Redacted] 5584456 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957213 [Redacted] [Redacted] 5584701 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Final CD disclosed a Closing date of xx/xx/xxxx. Date of consummation is xx/xx/xxxx.             2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957213 [Redacted] [Redacted] 5584702 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $550.00 exceeds tolerance of $475.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Appraisal fee increased from the LE to the CD by $75. A tolerance cure credit was issued to the borrower at closing in the amount of $75.         02/14/2018   1 [Redacted] AZ Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202957213 [Redacted] [Redacted] 5588704 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Receipt provided for on disclosure tracking but consent from borrower not provided.             2 [Redacted] AZ Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202957213 [Redacted] [Redacted] 5612072 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction ___     Reviewer Comment (2018-02-22): Closing and Disbursement date per Final CD is xxx.
 02/22/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957214 [Redacted] [Redacted] 5609393 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Blank on CD   Reviewer Comment (2018-02-26): Rec'd corrected CD and evidence of mailing
     02/26/2018   2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957214 [Redacted] [Redacted] 5609395 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $18.00   Reviewer Comment (2018-02-21): Received Attestation letter
 02/21/2018       1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957214 [Redacted] [Redacted] 5609397 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $6,667.80 < $6,695.80   Reviewer Comment (2018-02-26): Rec'd corrected CD and evidence of emailing.
 02/26/2018       1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957214 [Redacted] [Redacted] 5632638 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Consent form not provided.   Reviewer Comment (2018-02-26): Rec'd e-disclosure and evidence provided xxx
 02/26/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957214 [Redacted] [Redacted] 5632642 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957214 [Redacted] [Redacted] 5641119 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $18.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-21): Received Attestation letter
 02/21/2018       1 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957215 [Redacted] [Redacted] 5611712 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The seller's CD reflects $13,366.45 whereas the borrower's CD reflects $12,474.64.             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957215 [Redacted] [Redacted] 5611713 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,321.38 exceeds tolerance of $2,057.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Zero Percent Fee Tolerance exceeded         02/16/2018   1 [Redacted] FL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202957215 [Redacted] [Redacted] 5611783 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.       Reviewer Comment (2018-02-23): Received Replacement cost estimator
 02/23/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957215 [Redacted] [Redacted] 5611784 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957215 [Redacted] [Redacted] 5611793 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Payment Shock exceeds credit guidelines.   281% payment shock > maximum payment shock per guidelines of 250% Borrower has employment stability for ## years in the (Industry Name). Reviewer Comment (2018-02-23): Received exception approval for payment shock based on Reserves and residual income
       02/23/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957216 [Redacted] [Redacted] 5585574 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.   Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-21): Received exception approval for missing 0.3 months reserves based on residual income
       02/21/2018 2 [Redacted] LA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957216 [Redacted] [Redacted] 5585604 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] LA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957216 [Redacted] [Redacted] 5585884 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing documentation   Reviewer Comment (2018-02-21): Received Econsent
 02/21/2018       1 [Redacted] LA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957216 [Redacted] [Redacted] 5589500 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Missing appraisal transfer letter to xxxx.             2 [Redacted] LA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202957216 [Redacted] [Redacted] 5615372 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. No exception approval found in file Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-21): Received exception approval for DTI of 47.96% based on residual income and payment shock
       02/21/2018 2 [Redacted] LA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957216 [Redacted] [Redacted] 5615718 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-02-21): Updated DTI with risk approval
 02/21/2018       1 [Redacted] LA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202957216 [Redacted] [Redacted] 5615719 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-02-21): Updated DTI with risk approval
 02/21/2018       1 [Redacted] LA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957216 [Redacted] [Redacted] 5615720 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $525.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) cured         02/16/2018   1 [Redacted] LA Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202957218 [Redacted] [Redacted] 5574821 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202957219 [Redacted] [Redacted] 5568951 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xx/xx/xxxx disclosed a negative fee amount. (Final/xx/xx/xxxx) HOA fee is reflected as -$125 in section H.  Note:  This is a seller paid fee.             2 [Redacted] MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957219 [Redacted] [Redacted] 5568980 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957219 [Redacted] [Redacted] 5586201 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD data field is blank, calculates to be $232.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957219 [Redacted] [Redacted] 5586202 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $232.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Fee not disclosed on LE.  Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is therefore included in 0% tolerance testing.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957220 [Redacted] [Redacted] 5589582 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] CO Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957220 [Redacted] [Redacted] 5590541 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller Disclosure reflected credit fee of -$290.00 which was not reflected on the Consumer's Final CD.             2 [Redacted] CO Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957220 [Redacted] [Redacted] 5590809 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xx/xx/xxxx disclosed a negative fee amount. (Final/xx/xx/xxxx) Seller Closing Disclosure reflected a credit in section H.             2 [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957221 [Redacted] [Redacted] 5579985 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-16): Received
 02/16/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202957221 [Redacted] [Redacted] 5580247 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xx/xx/xxxx) Both Final CD Closing Disclosure and Seller's Closing Disclosure did not indicate any seller paid fees.   Reviewer Comment (2018-02-19): Seller CD does not have any fees
 02/19/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C A
202957221 [Redacted] [Redacted] 5580794 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202957221 [Redacted] [Redacted] 5601269 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $63.50 tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202957221 [Redacted] [Redacted] 5601272 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Guarantee Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $4.50 Title - Title Guaranty Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $4.50 tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202957221 [Redacted] [Redacted] 5601274 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee.  Fee Amount of $59.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77188) $59.00 Title - Tax Cert Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $59.00 tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202957223 [Redacted] [Redacted] 5607279 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent form not provided   Reviewer Comment (2018-02-21): Received
 02/21/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957223 [Redacted] [Redacted] 5607282 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) AMC requires documentary evidence that the added services were, in fact, required by the borrower-chosen provider and outsourced to another provider.  This is generally in the form of an attestation - preferably from the borrower-chosen provider, but from the lender if that is not possible.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957223 [Redacted] [Redacted] 5607284 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) AMC requires documentary evidence that the added services were, in fact, required by the borrower-chosen provider and outsourced to another provider.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957223 [Redacted] [Redacted] 5607286 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $20.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) AMC requires documentary evidence that the added services were, in fact, required by the borrower-chosen provider and outsourced to another provider.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957223 [Redacted] [Redacted] 5607290 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957223 [Redacted] [Redacted] 5646682 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $5,365.00 while CD seller's fees total $6,198.00.   Reviewer Comment (2018-02-23): Rec'd LOE, corrected CD and evidence of emailing.
     02/23/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957224 [Redacted] [Redacted] 5613872 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     Borrower on this Alt documentation loan has a disposable income of $16,200 Reviewer Comment (2018-02-23): Comment is received PDI with no damage but FEMA has no end date
       02/23/2018 2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM No B B
202957225 [Redacted] [Redacted] 5617909 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xx/xx/xxxx) Comments from appraiser state this is a revised report changing to PUD with no HOA fees, however there is no evidence of previous date completed   Reviewer Comment (2018-02-22): Received same letter as in file, dated xx/xx/xxxx, however appraisal was completed 1/15/18.
         2 [Redacted] GA Primary Refinance - Rate/Term   B B B B B B B B B B Non QM Non QM No C B
202957225 [Redacted] [Redacted] 5617911 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign Disclosure is missing.   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] GA Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957225 [Redacted] [Redacted] 5643990 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] GA Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202957225 [Redacted] [Redacted] 5649924 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Final CD TIP is 128.660%.             2 [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957227 [Redacted] [Redacted] 5644652 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received
 03/06/2018       1 [Redacted] NC Investment Refinance - Rate/Term   C A C A C A C A C A     No C C
202957227 [Redacted] [Redacted] 5791043 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Desk Review value is less than Appraised value by at least 10%.   Per CDA             3 [Redacted] NC Investment Refinance - Rate/Term     C   C   C   C   C     No C C
202957228 [Redacted] [Redacted] 5616252 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] NV Investment Refinance - Rate/Term   C A C A C A C A C A N/A N/A No C A
202957228 [Redacted] [Redacted] 5647641 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/xx/xx/xxxx)     Reviewer Comment (2018-02-26): Received tracking tool showing AVM sent to Borrower
 02/26/2018       1 [Redacted] NV Investment Refinance - Rate/Term   B A B A B A B A B A N/A N/A No C A
202957229 [Redacted] [Redacted] 5620089 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure discloses a $125.00 Lender credit for $125.00 Appraisal Re-Inspection Fee tolerance.  Final Closing Disclosure does not reflect a Lender credit for $13.50 Title - E Recording Fee tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter


Reviewer Comment (2018-02-23): Received unsigned Attestation letter
 02/23/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957229 [Redacted] [Redacted] 5620095 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) Final Closing Disclosure discloses a $125.00 Lender credit for tolerance.   Reviewer Comment (2018-02-23): $125.00 credit on Final CD


Buyer Comment (2018-02-21): erroneous please clear
 02/23/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957229 [Redacted] [Redacted] 5646415 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957229 [Redacted] [Redacted] 5646592 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-21): Received
 02/21/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957229 [Redacted] [Redacted] 5646595 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP %124.734 > 122.564% Calculated TIP   Reviewer Comment (2018-02-23): Rec'd LOE, corrected CD and evidence of emailing.
     02/23/2018   2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957229 [Redacted] [Redacted] 5646596 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $13.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $13.50 Title - Recording Service Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure discloses a $125.00 Lender credit for $125.00 Appraisal Re-Inspection Fee tolerance.  Final Closing Disclosure does not reflect a Lender credit for $13.50 Title - E Recording Fee tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter


Reviewer Comment (2018-02-23): Received unsigned Attestation letter
 02/23/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957229 [Redacted] [Redacted] 5678159 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Reran Compliance         02/23/2018   1 [Redacted] FL Primary Purchase Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C B
202957230 [Redacted] [Redacted] 5620017 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 49.80% > 45% Platinum program (xxxxxx).  Lender's DTI 47.63% > 45%.  Exception not acknowledged by Lender Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-26): Exception approval for DTI based on credit history, LTV, Residual income
       02/26/2018 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202957230 [Redacted] [Redacted] 5620239 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Missing verification of taxes for REO property.   Reviewer Comment (2018-02-26): Received exception approval
 02/26/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202957230 [Redacted] [Redacted] 5620240 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-02-26): Received exception approval
 02/26/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202957230 [Redacted] [Redacted] 5620244 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-26): Received exception approval
 02/26/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957230 [Redacted] [Redacted] 5620245 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Flood Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Flood Insurance Premium under Prepaids. (Final/xx/xx/xxxx) Section F, Line 05 (# months) field is blank.  $494.00 Flood Insurance paid by Borrower before disclosing.   Reviewer Comment (2018-02-26): Received LOE and PC CD
     02/26/2018   2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957230 [Redacted] [Redacted] 5620246 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Insurance Prepaid Other 1 Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Insurance Prepaid - Other under Prepaids. (Final/xx/xx/xxxx) Section F, Line 06 (# months) field is blank.  $2,778.00 Texas Windstorm Insurance paid by Borrower before disclosing.   Reviewer Comment (2018-02-26): Received LOE and PC CD
     02/26/2018   2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957230 [Redacted] [Redacted] 5620247 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 06 (# months) field is blank.  $13,943.19 Property Taxes paid by Borrower at closing disclosed.   Reviewer Comment (2018-02-26): Received LOE and PC CD
     02/26/2018   2 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957230 [Redacted] [Redacted] 5620249 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,355.00 exceeds tolerance of $1,230.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $125.00 Lender credit for tolerance.         02/16/2018   1 [Redacted] TX Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202957231 [Redacted] [Redacted] 5636075 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   Disaster Inspection Report not provided. Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-02-26): Residual income $16,700 on Full Doc loan Received Post Disaster Inspection
       02/26/2018 2 [Redacted] CA Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No B B
202957232 [Redacted] [Redacted] 5576621 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing copy of signed esign form.   Reviewer Comment (2018-02-16): Received
 02/16/2018       1 [Redacted] CA Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957232 [Redacted] [Redacted] 5576628 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $14.00   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957232 [Redacted] [Redacted] 5576785 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 223, DTI > maximum allowed. Compensating Factors: 1)LTV of 74%   2) Stable employment of over 9 years. 74% < 75% max LTV

Borrower has job stability for 9 years as a xxx		 Reviewer Comment (2018-02-15): Compensating Factors: 1)LTV of 74% 2) Stable employment of over 9 years.
       02/15/2018 2 [Redacted] CA Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202957232 [Redacted] [Redacted] 5576787 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] CA Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202957232 [Redacted] [Redacted] 5576789 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal The property type differs between the valuation documents in file. Unable to verify the property type.  Ineligible per guidelines.   Appraisal shows as a Attached PUD as well as legal description. AVM shows as condo.   Reviewer Comment (2018-03-09): Received revised CDA


Reviewer Comment (2018-02-26): This should clear if CDA shows as Townhome. Clear Capital AVM pulls from Tax Records, does not inspect.
 03/09/2018       1 [Redacted] CA Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202957232 [Redacted] [Redacted] 5579222 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $14.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957232 [Redacted] [Redacted] 5603873 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $9,339.73 < $9,596.23             2 [Redacted] CA Second Home Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957232 [Redacted] [Redacted] 5677838 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Reran Compliance         02/23/2018   1 [Redacted] CA Second Home Purchase Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C B
202957233 [Redacted] [Redacted] 5581828 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 5             2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957233 [Redacted] [Redacted] 5581829 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller CD fees total $27,314.28 while closing CD seller's fees total $40,320.71. Appears to be from prepaid property taxes shown paid by Seller on Buyers CD.             2 [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957233 [Redacted] [Redacted] 5581879 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957235 [Redacted] [Redacted] 5590587 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.01160% or Final Disclosure APR of 7.03200% is in excess of allowable threshold of APOR 3.93% + 1.5%, or 5.43000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-28): Closed for holiday, timing all fixed now compliant
 02/28/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202957235 [Redacted] [Redacted] 5590592 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date + 3)   Reviewer Comment (2018-02-22): Lenders offices were closed in observance of Veteran's Day
 02/22/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   B A B A B A B A B A Non QM Non QM No C B
202957235 [Redacted] [Redacted] 5590593 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202957235 [Redacted] [Redacted] 5590595 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .             2 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202957235 [Redacted] [Redacted] 5590597 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xx/xx/xxxx) Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date + 3)   Reviewer Comment (2018-02-22): Lenders offices were closed in observance of Veteran's Day
 02/22/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A C A Non QM Non QM No C B
202957235 [Redacted] [Redacted] 5590598 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date + 3)   Reviewer Comment (2018-02-22): Lenders offices were closed in observance of Veteran's Day
 02/22/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957235 [Redacted] [Redacted] 5590684 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202957235 [Redacted] [Redacted] 5599313 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 48.80% > 45%  Portfolio Select Bank Statement program (xxxxx).  Lender's DTI 48.09% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  LTV and Residual income 41.379% LTV < 75% guideline max

Residual income $5,909.15 > $3,000 minimum for Bank Statement program.		 Reviewer Comment (2018-02-22): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Credit Score. 2) LTV. 3) Residual Income.
       02/22/2018 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202957235 [Redacted] [Redacted] 5599973 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum, Reserves < minimum.   Reviewer Comment (2018-02-22): Received Exception approval
 02/22/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202957235 [Redacted] [Redacted] 5599974 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum, Reserves < minimum   Reviewer Comment (2018-02-22): Received Exception approval
 02/22/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202957235 [Redacted] [Redacted] 5615877 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 3.33 months < 6 months Portfolio Select Bank Statement program (xxxxxx).  Lender's 3 months calculation < 6 months,.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  LTV and Residual income 41.379% LTV < 75% guideline max

Residual income $5,909.15 > $3,000 minimum for Bank Statement program.		 Reviewer Comment (2018-02-22): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Credit Score. 2) LTV. 3) Residual Income.
       02/22/2018 2 [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202957235 [Redacted] [Redacted] 5616209 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date + 3)   Reviewer Comment (2018-02-22): Lenders offices were closed in observance of Veteran's Day
 02/22/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202957235 [Redacted] [Redacted] 5616211 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date + 3)   Reviewer Comment (2018-02-22): Lenders offices were closed in observance of Veteran's Day
 02/22/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202957235 [Redacted] [Redacted] 5616212 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Appraisal Disclosure - HPML Timing HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Earliest disclosure dated xx/xx/xxxx > xx/xx/xxxx (xx/xx/xxxx application date + 3)   Reviewer Comment (2018-02-22): Lenders offices were closed in observance of Veteran's Day
 02/22/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other Good faith redisclosure B A B A B A B A B A Non QM Non QM Yes C B
202957236 [Redacted] [Redacted] 5601812 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Bankruptcy Documents not provided     Rental payment history verified by bank statements is 0x30 for 22 months and VOR provided reflects 0x30 for 60+ months.

DTI of 42.805% is less than 45% guideline max.		 Reviewer Comment (2018-02-22): Bankruptcy was dismissed xx/xxxx ; no papers provided.  Lender Exception approval provided on xx/xx/xxxx with comp factors: DTI and acceptable rental history.
       02/22/2018 2 [Redacted] OH Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957236 [Redacted] [Redacted] 5602067 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] OH Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957236 [Redacted] [Redacted] 5602367 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing Esign Consent   Reviewer Comment (2018-02-22): Esign consent agreement provided xx/xx/xxxx.
 02/22/2018       1 [Redacted] OH Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957236 [Redacted] [Redacted] 5602475 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Recording Fee  $96.00 and Transfer Tax  $475.25 were not disclosed on Borrower CD.             2 [Redacted] OH Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957237 [Redacted] [Redacted] 5608358 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .             2 [Redacted] CA Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202957237 [Redacted] [Redacted] 5608359 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on xx/xx/xxxx disclosed a negative fee amount. (Final/xx/xx/xxxx) Section C of Seller's CD discloses a -$200.00 Premium Client Discount amount from escrow to Seller at closing.             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957237 [Redacted] [Redacted] 5608360 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table. (Final/xx/xx/xxxx) Summaries of Transaction table of discloses a $5,000.00 Seller Credit that is not disclosed in the Calculating Cash to Close table of Final Closing Disclosure.             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957237 [Redacted] [Redacted] 5608361 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $1,024.76 Property Taxes paid by Seller at closing per Seller's CD are not disclosed on Consumer's CD.             2 [Redacted] CA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957237 [Redacted] [Redacted] 5627442 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Lender's DTI based on an incorrect monthly property tax amount.  Lender's 36.06% / 42.12% DTI includes a lower $170.79 monthly property tax amount per current tax roll vs. higher $390.63 estimated amount based on 1.25% of sales price for CA property.  Revised DTI 39.89% / 45.96% including higher $390.63 tax amount.  Revised 45.96% > 45% max at approved Platinum program.   Reviewer Comment (2018-02-22): This is not required per guidelines.  1.5% used for new construction only.
 02/22/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957238 [Redacted] [Redacted] 5616876 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] OH Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957238 [Redacted] [Redacted] 5616942 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing.             2 [Redacted] OH Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202957238 [Redacted] [Redacted] 5641721 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___.   Borrower has employment stability for ## years in the (Industry Name). Reviewer Comment (2018-02-23): Received exception approval for FICO and BK based on payment shock and stable employment history
       02/23/2018 2 [Redacted] OH Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957238 [Redacted] [Redacted] 5646073 [Redacted] [Redacted] Credit Credit Credit Eligibility Credit Guideline Issue: Bankruptcy timeline outside of credit guidelines   Chapter xxxx bankruptcy discharged < 1 year prior to application vs. 1 year minimum requirement per guidelines. Borrower has employment stability for ## years in the (Industry Name). Reviewer Comment (2018-02-23): Received exception approval for FICO and BK based on payment shock and stable employment history
       02/23/2018 2 [Redacted] OH Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957239 [Redacted] [Redacted] 5574174 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Evidence of disclosure was not found in file.   Reviewer Comment (2018-02-16): Received
 02/16/2018       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202957239 [Redacted] [Redacted] 5574227 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C A
202957240 [Redacted] [Redacted] 5594020 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Not in file.   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] CO Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957240 [Redacted] [Redacted] 5594070 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Borrower does not meet minimum 6 month reserve requirement.  Borrower is short $35,271.67.  Lender exception approval was not provided. 35.386% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $36,404.33		 Reviewer Comment (2018-02-22): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income.
       02/22/2018 2 [Redacted] CO Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202957242 [Redacted] [Redacted] 5589529 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957242 [Redacted] [Redacted] 5589784 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957242 [Redacted] [Redacted] 5608704 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $625.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $75.00 Lender credit for tolerance.         02/15/2018   1 [Redacted] AZ Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202957242 [Redacted] [Redacted] 5608723 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $75.00 Title - Notary fee paid by Seller at closing per Seller's CD not disclosed on Consumer's CD             2 [Redacted] AZ Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957243 [Redacted] [Redacted] 5602154 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval, pg 259. Reserve requirements not met. Compensating Factors: 1) Residual Income 2) Stable Employment History. B-1 has 6 years at the same job.

Residual income of $5285 exceeds guideline requirement of $1500.		 Reviewer Comment (2018-02-16): Exception in file for reserve requirements not met an DTI exceeds guidelines.
       02/16/2018 2 [Redacted] FL Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202957243 [Redacted] [Redacted] 5602160 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval, pg 259. DTI > maximum allowed. Compensating Factors: 1) Residual Income 2) Stable Employment History. B-1 has 6 years at the same job.

Residual income of $5285 exceeds guideline requirement of $1500.		 Reviewer Comment (2018-02-16): Exception in file for reserve requirements not met and DTI exceeds guidelines.
       02/16/2018 2 [Redacted] FL Primary Refinance - Rate/Term   C B C B C B C B C B Non QM Non QM No C B
202957243 [Redacted] [Redacted] 5602163 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202957243 [Redacted] [Redacted] 5602200 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility Borrower and Mortgage Eligibility 1003 Error: Citizenship Source Documentation  was not provided Borrower: xxxxxx Missing copy of coborrower's green card.             2 [Redacted] FL Primary Refinance - Rate/Term   B B B B B B B B B B Non QM Non QM No C B
202957243 [Redacted] [Redacted] 5602614 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. This is not provided.   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] FL Primary Refinance - Rate/Term No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957243 [Redacted] [Redacted] 5607698 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Title Error: Title vesting does not concur with deed   Title Commitment shows vesting as xxxxxx.  The vested parties per the Security Instrument are xxxxx.   Reviewer Comment (2018-02-22): Received final Title, correcting vesting
 02/22/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202957243 [Redacted] [Redacted] 5616470 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Ineligible transaction.  Per guidelines, LTV > 80% limited to purchase transactions only.  The subject is a rate/term refinance.   Reviewer Comment (2018-02-20): Matrix dated xx/xx/xxxx allows for LTV to 85% with 640 score
 02/20/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202957243 [Redacted] [Redacted] 5616796 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___     Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] FL Primary Refinance - Rate/Term   C A C A C A C A C A Non QM Non QM No C B
202957245 [Redacted] [Redacted] 5603089 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing VVOE within 10 days of closing for Co-borrower's second job with xxxxxxxxxxx Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-26): Received VVOE post origination VVOE
       02/26/2018 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202957245 [Redacted] [Redacted] 5603142 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-02-23): Received ClearCapital Post Disaster Inspection dated xx/xx/xxxx.
 02/23/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   B A B A B A B A B A Non QM Non QM No C B
202957245 [Redacted] [Redacted] 5603145 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202957245 [Redacted] [Redacted] 5603851 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957245 [Redacted] [Redacted] 5606198 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 119.377% > 115.094% Calculated TIP   Reviewer Comment (2018-02-23): Reran Compliance with higher Index
 02/23/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957247 [Redacted] [Redacted] 5590647 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) CD reflects $250, calculates to be $438.   Reviewer Comment (2018-02-23): Received attestation letter for service fees
 02/23/2018       1 [Redacted] MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957247 [Redacted] [Redacted] 5590649 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $500.00.  Insufficient or no cure was provided to the borrower. (7506) A tolerance cure credit was issued to the borrower at closing in the amount of $250.   Reviewer Comment (2018-02-16): Final CD reflects $250 tolerance cure.
     02/16/2018   2 [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C B C B Non QM Non QM Yes C B
202957247 [Redacted] [Redacted] 5590650 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $188.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Fee not disclosed on LE.  Although this fee is in section C, the provider used is not the same as the other title fees reflected on the LE and is therefore included in 0% tolerance testing.   Reviewer Comment (2018-02-23): Received attestation letter for service fees
 02/23/2018       1 [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957247 [Redacted] [Redacted] 5675582 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Received attestation letter for service fees         02/23/2018   1 [Redacted] MD Primary Purchase Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C B
202957248 [Redacted] [Redacted] 5561597 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] UT Investment Purchase   C A C A C A C A C A     No C A
202957249 [Redacted] [Redacted] 5616429 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-23): Received eConsent
 02/23/2018       1 [Redacted] NC Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957249 [Redacted] [Redacted] 5616431 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller Change - Deposit TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether there was a change in the Deposit. (Final/xx/xx/xxxx) Entered as Disclosed             2 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957249 [Redacted] [Redacted] 5641637 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $25.00 tolerance.   Reviewer Comment (2018-02-23): Received attestation letter regarding fees and borrower's chosen provider
 02/23/2018       1 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957249 [Redacted] [Redacted] 5641638 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) $25.00 Title - Courier Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $25.00 tolerance.   Reviewer Comment (2018-02-23): Received attestation letter regarding fees and borrower's chosen provider
 02/23/2018       1 [Redacted] NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957249 [Redacted] [Redacted] 5641694 [Redacted] [Redacted] Credit Insurance Insurance Documentation Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   $xxx dwelling coverage < $xxx cost to rebuild and $xxx original loan amount.  Evidence of extended dwelling coverage or 100% Guaranteed Replacement Cost not documented.   Reviewer Comment (2018-02-22): Extended cost to rebuilt @ $91,962 for other structures, other structure include Covered Porch, Patio, Deck and Hot Tub
 02/22/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957250 [Redacted] [Redacted] 5606429 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-21): Received
 02/21/2018       1 [Redacted] WA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No B B
202957250 [Redacted] [Redacted] 5633389 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 147.911% > 143.356% Calculated TIP   Reviewer Comment (2018-02-26): Rec'd LOE, corrected CD and evidence of emailing.
     02/26/2018   2 [Redacted] WA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes B B
202957251 [Redacted] [Redacted] 5602201 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Issue:  Insufficient tradelines per credit guidelines   Credit Risk Summary & Exception Approval in file, page 283, Short 2 months in meeting 3 tradelines for 24 months. Compensating Factors: 1)  No derogatory credit since 2014      2) > 200 months reserves Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-15): Credit Risk Summary & Exception approval p283
       02/15/2018 2 [Redacted] CA Investment Purchase   C B C B C B C B C B     No C B
202957251 [Redacted] [Redacted] 5605142 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] CA Investment Purchase   C A C A C A C A C A     No C B
202957252 [Redacted] [Redacted] 5594112 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] UT Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202957252 [Redacted] [Redacted] 5594453 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] UT Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202957252 [Redacted] [Redacted] 5606352 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xx/xx/xxxx) Lease Option Purchase.   Consumer CD and Seller CD disclose $0.00 fees paid by Seller at closing   Reviewer Comment (2018-02-19): Per Seller CD, no seller paid fees
 02/19/2018       1 [Redacted] UT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A C A Non QM Non QM Yes C A
202957252 [Redacted] [Redacted] 5606551 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $147.00 exceeds tolerance of $97.00 plus 10% or $106.70.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a Lender credit for tolerance.         02/15/2018   1 [Redacted] UT Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C A
202957253 [Redacted] [Redacted] 5574814 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] MD Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957253 [Redacted] [Redacted] 5574843 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] MD Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957253 [Redacted] [Redacted] 5574844 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $30.00 tolerance.   Reviewer Comment (2018-02-23): Received attestation letter with service provider info
 02/23/2018       1 [Redacted] MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957253 [Redacted] [Redacted] 5574845 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $30.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $30.00 Title - Recording Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received attestation letter with service provider info
 02/23/2018       1 [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957253 [Redacted] [Redacted] 5581683 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of ___ exceeds Guideline housing ratio of ___. 41.96% > 40% housing ratio Portfolio Select Bank Statement program (xxxxxx).  Lender's 41.84% > 40%.  Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit History Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-15): Credit Risk Summary & Exception approval p193
       02/15/2018 2 [Redacted] MD Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957253 [Redacted] [Redacted] 5581721 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor Qualifying Residual income discrepancy. Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. $2,687.57 < $3,000.00 Portfolio Select Bank Statement program (xxxxxx).  Lender's $2,700.79 calculation < $3,000.00.  Exception not acknowledged by Lender 28 months reserves > 6 months guideline minimum Reviewer Comment (2018-02-22): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/22/2018 2 [Redacted] MD Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957253 [Redacted] [Redacted] 5604643 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xx/xx/xxxx)               2 [Redacted] MD Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202957253 [Redacted] [Redacted] 5604644 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/xx/xx/xxxx)               2 [Redacted] MD Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202957254 [Redacted] [Redacted] 5551995 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202957254 [Redacted] [Redacted] 5552084 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xx/xx/xxxx)               2 [Redacted] TX Primary Refinance - Cash-out - Other   B B B B B B B B B B Non QM Non QM No C B
202957254 [Redacted] [Redacted] 5552090 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. .   Reviewer Comment (2018-02-21): Received
 02/21/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A D A Non QM Non QM Yes C B
202957254 [Redacted] [Redacted] 5552092 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-21): Received
 02/21/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957254 [Redacted] [Redacted] 5570701 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee.  Fee Amount of $65.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77188) $65.00 Title - Tax Certificate Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957254 [Redacted] [Redacted] 5570726 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Guaranty Fee.  Fee Amount of $3.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $3.00 Title - Title Guaranty Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957254 [Redacted] [Redacted] 5570728 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-23): Received Attestation letter
 02/23/2018       1 [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957255 [Redacted] [Redacted] 5567226 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202957255 [Redacted] [Redacted] 5567414 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Disclosure not in file.   Reviewer Comment (2018-02-21): Received
 02/21/2018       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202957255 [Redacted] [Redacted] 5577502 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Title - Notary Fee $100.00   Reviewer Comment (2018-02-23): Received attestation letter with service provider info
 02/23/2018       1 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202957255 [Redacted] [Redacted] 5577503 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-23): Received attestation letter with service provider info
 02/23/2018       1 [Redacted] AZ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C A
202957256 [Redacted] [Redacted] 5611681 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202957256 [Redacted] [Redacted] 5611719 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. .   Reviewer Comment (2018-02-26): Received amended data tape
 02/26/2018       1 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Higher Priced QM Safe Harbor QM Yes C B
202957256 [Redacted] [Redacted] 5611720 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Closing Disclosure dated xx/xx/xxxx disclosed closing date xx/xx/xxxx < > xx/xx/xxxx.  Note and Mortgage dated xx/xx/xxxx acknowledged by Borrower xx/xx/xxxx.  Closing Disclosure dated xx/xx/xxxx > xx/xx/xxxx closing date, discloses xx/xx/xxxx closing date.             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Higher Priced QM Safe Harbor QM Yes C B
202957256 [Redacted] [Redacted] 5618650 [Redacted] [Redacted] Credit Assets Document Error Assets Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  ___ is less than Cash From Borrower ___. $174,076.63 < $188,183.23   Reviewer Comment (2018-02-21): Received Wire for Gift funds.
 02/21/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202957256 [Redacted] [Redacted] 5618666 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Missing Document: Asset Documentation not provided   Missing proof of receipt, deposit or funds payable/wired directly to settlement agent for $30,000.00 Gift Funds.   Reviewer Comment (2018-02-21): Received wire for Gift Funds
 02/21/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Higher Priced QM Safe Harbor QM No C B
202957256 [Redacted] [Redacted] 5698016 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received amended data tape             2 [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status   B   B   B   B   B Higher Priced QM Safe Harbor QM Yes C B
202957257 [Redacted] [Redacted] 5580164 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] NC Second Home Purchase   C A C A C A C A C A Non QM Non QM No C A
202957257 [Redacted] [Redacted] 5580216 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Disclosure not in file   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] NC Second Home Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202957257 [Redacted] [Redacted] 5590144 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $15,745.00 while CD seller's fees total $16,161.04.   Reviewer Comment (2018-02-22): N/A - total doesn't include Seller POC $416.04
 02/22/2018       1 [Redacted] NC Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C A
202957258 [Redacted] [Redacted] 5655865 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No B A
202957260 [Redacted] [Redacted] 5613559 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957260 [Redacted] [Redacted] 5613602 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx 23 statements < 24 months required,  Missing xxxxxx.  $17,504.20 calculated amount based on 24 mos average of 23 mos total business deposits less 35% expenses,  Per Borrower's LOE, business officially opened xx/xx/xxxx. DTI, reserves, residual income. Reviewer Comment (2018-02-27): Rec'd exception for:  Bank statement:  Account requirements not met.  23 statements vs. 24.  2 year history of business for self short one month.
       02/27/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957260 [Redacted] [Redacted] 5613811 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-26): received
 02/26/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957260 [Redacted] [Redacted] 5646653 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ within 10 days of closing Internet Printout - eligible DTI, reserves, residual income. Reviewer Comment (2018-02-27): Received internet search post origination verifying business


Reviewer Comment (2018-02-27): Nothing rec'd.
       02/27/2018 2 [Redacted] CA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957261 [Redacted] [Redacted] 5629238 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 45.41% > 45% Platinum program (xxxxxx).  45.41% includes monthly $199.96 county $64.73 city property tax amounts per final Closing Disclosure and a higher $1,783.00 consumer payments per Gap report dated xx/xx/xxxx.    Lender's 44.36% includes only $199.96 county taxes and lower $1,743.00 consumer payments per Lender's credit report dated xx/xx/xxxx. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-26): Received exception approval for minimal DTI overage based on Reserves and residual income
       02/26/2018 2 [Redacted] GA Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957261 [Redacted] [Redacted] 5629242 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957261 [Redacted] [Redacted] 5629337 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. .   Reviewer Comment (2018-02-26): Received exception approval
 02/26/2018       1 [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A C A Non QM Non QM Yes C B
202957261 [Redacted] [Redacted] 5629338 [Redacted] [Redacted] Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-02-26): Received exception approval
 02/26/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957261 [Redacted] [Redacted] 5629339 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-26): Received EConsent
 02/26/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957261 [Redacted] [Redacted] 5657094 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Consumer CD discloses an $80.00 higher Warranty Fee amount paid by Seller at closing than disclosed on Seller's CD.  Seller's CD discloses a $192.00 higher amount of HOA dues, $2,399.54 & $781.69 Property Taxes and $49.57 Solid Waste paid by Seller at closing per Seller's CD that is not disclosed on Consumer's CD   Reviewer Comment (2018-02-26): Received PCCD showing seller fees which match seller CD
     02/26/2018   2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957263 [Redacted] [Redacted] 5565228 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Borrower does not own current residence and thus casts doubt on business purpose of loan.     Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-13): Credit Risk Summary & Exception approval p248
       02/13/2018 2 [Redacted] GA Investment Refinance - Cash-out - Other   C B C B C B C B C B     No C B
202957264 [Redacted] [Redacted] 5567764 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957264 [Redacted] [Redacted] 5568373 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Bankruptcy Documents not provided   GUIDELINE: Documentation Requirements... A detailed letter of explanation from the borrower is completed less than two (2) years ago; and
Full bankruptcy papers (discharge, petition, and schedule of debts) must be obtained and reviewed		 38.50% DTI on this Full Documentation documentation loan < 45.00% guideline max

Housing Payment decreasing $227.04; from $1,350.00 (rental) to $1,122.96 (PITI)

Decreasing housing payment results in negative payment shock.

Borrower on this Full Documentation loan has a disposable income of $4,468.03 > Program Requirement of $1,500.00		 Reviewer Comment (2018-02-22): Received Credit Risk Summary & Exception Approval. Credit Documentation missing: BK Discharge. Compensating Factors: 1) DTI. 2) Housing payment decreasing. 3) Payment Shock. 4) Residual Income.
       02/22/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957264 [Redacted] [Redacted] 5568424 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Loan file does not contain evidence of borrower's consent to receive electronic disclosures.   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957264 [Redacted] [Redacted] 5575269 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Employment Error: Employment job title not provided. Borrower: xxx // Employment Type: Employment / Income Type: Wages / Start Date: xxx Missing Previous Employment Position             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202957264 [Redacted] [Redacted] 5575871 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Title - Digital Storage Fee $25.00   Reviewer Comment (2018-02-22): Received Attestation Letter
 02/22/2018       1 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957264 [Redacted] [Redacted] 5575872 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $9,870 > $8,925             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957264 [Redacted] [Redacted] 5595517 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) Title - Digital Storage Fee. // Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-22): Received Attestation Letter
 02/22/2018       1 [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957265 [Redacted] [Redacted] 5558999 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Investment Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A     No C A
202957266 [Redacted] [Redacted] 5562048 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] GA Investment Refinance - Cash-out - Other   C A C A C A C A C A N/A N/A No C A
202957267 [Redacted] [Redacted] 5601577 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent form not provided   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] GA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957267 [Redacted] [Redacted] 5601648 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Missing appraisal transfer letter to xxxx.             2 [Redacted] GA Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202957267 [Redacted] [Redacted] 5601661 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] GA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957268 [Redacted] [Redacted] 5617451 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957268 [Redacted] [Redacted] 5617920 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .             2 [Redacted] FL Primary Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202957268 [Redacted] [Redacted] 5646621 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Credit Exception:   Owner occupied Purchase loan approved under Portfolio Select Bank Statement program for Non-Permanent Resident. Non-permanent resident alien borrowers are not eligible for bank statement documentation Non-Permanent Resident Aliens are eligible for financing with full documentation only Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-23): Exception approval for BK program and Non perm based on DTI, Residual Income
       02/23/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957268 [Redacted] [Redacted] 5646646 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility Borrower and Mortgage Eligibility 1003 Error: Citizenship Source Documentation  was not provided Borrower: xxxxxx Missing valid eligible visa per Portfolio Select Eligible Visa Type guidelines or other proof of legal residency (unexpired through the Note date of the loan) for xxxxx             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202957268 [Redacted] [Redacted] 5646734 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility Borrower and Mortgage Eligibility 1003 Error: Citizenship  was not provided   Missing corrected signed final 1003 to reflect Borrower and Co-borrower's correct citizenship.  1003 states Borrower and Co-borrower are US Citizens.   Copy of Borrower's xxxxx Passport and US Visa (R01) in file. Copy of Co-borrower's Colombia Passport in file.  Missing valid eligible visa or proof of Co-borrower's legal residency             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202957268 [Redacted] [Redacted] 5646981 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 123.47% > 121.309% Calculated TIP             2 [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957268 [Redacted] [Redacted] 5646982 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $2,251.66 Condo Dues and $750.00 Attorney Review Fee paid by Seller at closing per Seller's CD not disclosed on Consumer's CD             2 [Redacted] FL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957269 [Redacted] [Redacted] 5587039 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] NC Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957269 [Redacted] [Redacted] 5587056 [Redacted] [Redacted] Compliance Compliance State Compliance Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.74160% or Final Disclosure APR of 7.74400% is in excess of allowable threshold of APOR 4.01% + 1.5%, or 5.51000%.  Compliant Rate Spread Home Loan. Verified fees were input correctly.             2 [Redacted] NC Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202957269 [Redacted] [Redacted] 5587058 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) The state tax stamps paid at closing on the final CD is not listed under closing costs paid at closing on the seller's CD.             2 [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957270 [Redacted] [Redacted] 5573855 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $500.00   Reviewer Comment (2018-02-22): Received Attestation Letter
 02/22/2018       1 [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957270 [Redacted] [Redacted] 5573856 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $336,252.55 > $4,580.50             2 [Redacted] IL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957270 [Redacted] [Redacted] 5573858 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney Review Fee.  Fee Amount of $500.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77166) Title - Attorney Review Fee was not previously disclosed on the LE and does not have a valid change of circumstance. No cure provided to the borrower.   Reviewer Comment (2018-02-22): Received Attestation Letter
 02/22/2018       1 [Redacted] IL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957270 [Redacted] [Redacted] 5600918 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. not found in file   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957271 [Redacted] [Redacted] 5582350 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 181. DTI > maximum allowed. Compensating Factors: 1) DTI - 13.34 front. 2) Reserves. 3) Residual Income. 4) Stable Employment History. 13.54% < 40% maximum Housing Ratio

23 months reserves > 6 months guideline minimum - borrowers have verified reserves of $61,706.74

Borrower on this Full documentation loan has a disposable income of $4,469.28		 Reviewer Comment (2018-02-15): Compensating Factors: 1) DTI - 13.34 front. 2) Reserves. 3) Residual Income. 4) Stable Employment History.
       02/15/2018 2 [Redacted] DE Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202957271 [Redacted] [Redacted] 5582398 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: xxxxxx ___ Missing both VVOE for xxxxx, is > 10 days at closing.  Missing year-to-date P&L for Sole Proprietorship and documentation still active within 10 days of closing. 23 months reserves > 6 months guideline minimum - borrowers have verified reserves of $61,706.74 Reviewer Comment (2018-02-25): Exception approval received waiving 10 day requirement for re-verification of employment - current VVOEs are 4 days shy of 10 day requirement
       02/25/2018 2 [Redacted] DE Second Home Purchase   C B C B C B C B C B Non QM Non QM No C B
202957271 [Redacted] [Redacted] 5583682 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] DE Second Home Purchase   C A C A C A C A C A Non QM Non QM No C B
202957271 [Redacted] [Redacted] 5583734 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. This document was not provided in the file and borrower did e-sign documents.             2 [Redacted] DE Second Home Purchase No Defined Cure B B B B B B B B B B Non QM Non QM No C B
202957271 [Redacted] [Redacted] 5583742 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table. (Final/xx/xx/xxxx) Calculating Cash to Close box shows zero Seller Credit, but Section L line 9 shows $2,500 Seller Credit.             2 [Redacted] DE Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957272 [Redacted] [Redacted] 5594640 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957272 [Redacted] [Redacted] 5594904 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Appraisal is provided for United Wholesale Mortgage. No appraisal transfer letter found in file.             2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM No C B
202957272 [Redacted] [Redacted] 5594915 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. E-sign Agreement is missing.   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957272 [Redacted] [Redacted] 5595085 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $18.00 + $175.00 + $4.50   Reviewer Comment (2018-02-23): Received attestation letter with service provider info
 02/23/2018       1 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957272 [Redacted] [Redacted] 5595086 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $1846.30, while closing CD seller's fees total $1955.30.             2 [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957272 [Redacted] [Redacted] 5595088 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $18.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-23): Received attestation letter with service provider info
 02/23/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957272 [Redacted] [Redacted] 5595089 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-23): Received attestation letter with service provider info
 02/23/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957272 [Redacted] [Redacted] 5601646 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77183) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-23): Received attestation letter with service provider info
 02/23/2018       1 [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957272 [Redacted] [Redacted] 5601709 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Issue:  Insufficient tradelines per credit guidelines   Credit Risk Summary & Exception Approval in file, page 294. Tradeline requirements not met. Compensating Factor: 1)  LTV. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-02-16): Compensating Factor: 1) LTV.
       02/16/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957274 [Redacted] [Redacted] 5618874 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-26): Received
 02/26/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957274 [Redacted] [Redacted] 5658585 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Credit Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. 684 per lower of Borrowers scores per Lender's credit report < 700 @ 80% LTV 5.625% base rate under Platinum program (xxxxxx).  1008 Transmittal states using Broker's credit score 710 (no material changes).  Broker's report not in file. 33 months reserves > 12 months guideline minimum Reviewer Comment (2018-02-26): Received Credit Risk Summary & Exception approval xx/xx/xxxx
       02/26/2018 2 [Redacted] TX Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957276 [Redacted] [Redacted] 5618058 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 45.64% > 45% Portfolio Select matrix (xxxxxx).  Lender's DTI 45.28% > 45% .  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors:  LTV LTV of 53% is less than the guideline maximum of 80%. 27% extra equity. Reviewer Comment (2018-02-21): Credit Risk Summary & Exception approval p274
       02/21/2018 2 [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C B C B Non QM Non QM No C B
202957276 [Redacted] [Redacted] 5618074 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C B
202957276 [Redacted] [Redacted] 5618293 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-26): Received
 02/26/2018       1 [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957276 [Redacted] [Redacted] 5618294 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 04 (# months) field is blank.  $14,517.48 Property Taxes paid by Borrower at closing disclosed.   Reviewer Comment (2018-02-26): Rec'd LOE, corrected CD and evidence of emailing.
     02/26/2018   2 [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957276 [Redacted] [Redacted] 5618295 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $285.00 exceeds tolerance of $157.00 plus 10% or $172.70.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $112.30 Lender credit for tolerance.         02/16/2018   1 [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202957277 [Redacted] [Redacted] 5581083 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202957277 [Redacted] [Redacted] 5585331 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing e-sign consent disclosure.   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957277 [Redacted] [Redacted] 5585338 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $200 plus $25   Reviewer Comment (2018-02-22): Received Attestation Letter.
 02/22/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957277 [Redacted] [Redacted] 5585340 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-22): Received Attestation Letter.
 02/22/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957277 [Redacted] [Redacted] 5607293 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. Credit Risk Summary & Exception Approval in file, page 257. 10% LTV reduction not made for the Subject property recently listed for sale. Compensating Factors: 1) Stable Employment History. Borrower has job stability for 8.5 years as a xxx. Reviewer Comment (2018-02-15): Compensating Factors: 1) Stable Employment History.
       02/15/2018 2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202957277 [Redacted] [Redacted] 5607301 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Credit Risk Summary & Exception Approval in file, page 257. Reserves: Requirements not met. Compensating Factors: 1) Stable Employment History. Borrower has job stability for 8.5 years as a xxx. Reviewer Comment (2018-02-15): Compensating Factors: 1) Stable Employment History.
       02/15/2018 2 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202957277 [Redacted] [Redacted] 5607661 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC).  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77208) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-22): Received Attestation Letter.
 02/22/2018       1 [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes C B
202957278 [Redacted] [Redacted] 5576984 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202957278 [Redacted] [Redacted] 5612976 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Credit Risk Summary & Exception Approval in file, page 262. Documentation missing: SPS prev history with beneficial is missing. Compensating Factors: 1) DTI. 2) Residual Income. 38.846% DTI on this Full documentation loan <45% guideline max

Borrower on this Full documentation loan has a disposable income of $5,211.27		 Reviewer Comment (2018-02-16): Compensating Factors: 1) DTI. 2) Residual Income.
       02/16/2018 2 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C B C B Non QM Non QM No C B
202957278 [Redacted] [Redacted] 5613173 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided       Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A C A Non QM Non QM No C B
202957280 [Redacted] [Redacted] 5646487 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
202957281 [Redacted] [Redacted] 5614984 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] TX Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957281 [Redacted] [Redacted] 5615745 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Documentation not in file   Reviewer Comment (2018-02-21): Received
 02/21/2018       1 [Redacted] TX Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957281 [Redacted] [Redacted] 5615746 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $45,482.80, while closing CD seller's fees total $44,887.80.   Reviewer Comment (2018-02-26): Rec'd LOE, corrected CD and evidence of emailing.
     02/26/2018   2 [Redacted] TX Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
202957283 [Redacted] [Redacted] 5622879 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Security Instrument not provided       Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] AR Primary Purchase   D A D A D A D A D A Non QM Non QM No D B
202957283 [Redacted] [Redacted] 5622891 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] AR Primary Purchase   C A C A C A C A C A Non QM Non QM No D B
202957283 [Redacted] [Redacted] 5622978 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-02-22): Received
 02/22/2018       1 [Redacted] AR Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No D B
202957283 [Redacted] [Redacted] 5654296 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $25.00 tolerance.   Reviewer Comment (2018-02-26): Received Attestation letter
 02/26/2018       1 [Redacted] AR Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes D B
202957283 [Redacted] [Redacted] 5654298 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7724) Fee not disclosed on Closing Disclosure dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $25.00 tolerance.   Reviewer Comment (2018-02-26): Received Attestation letter
 02/26/2018       1 [Redacted] AR Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A C A Non QM Non QM Yes D B
202957283 [Redacted] [Redacted] 5654405 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $595.00 Closing Fee, $250.00 Title Search and $20.00 Courier fees paid by Seller at closing per Seller's CD not disclosed on Consumer's CD   Reviewer Comment (2018-02-26): Rec'd LOE, corrected CD and evidence of emailing.
     02/26/2018   2 [Redacted] AR Primary Purchase   B B B B B B B B B B Non QM Non QM Yes D B
202957284 [Redacted] [Redacted] 5564797 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Final CD does not reflect the number of months for prepaid property taxes.             2 [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957284 [Redacted] [Redacted] 5566931 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing e-sign consent fprm.   Reviewer Comment (2018-02-22): ESign consent agreement provided on xx/xx/xxxx.
 02/22/2018       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957284 [Redacted] [Redacted] 5566933 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $2,137.50 exceeds tolerance of $2,081.00.  Sufficient or excess cure was provided to the borrower at Closing. (7325) Cure provided.         02/12/2018   1 [Redacted] IL Primary Purchase Final CD evidences Cure A A A A A A A A A A Non QM Non QM Yes C B
202957284 [Redacted] [Redacted] 5567075 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957284 [Redacted] [Redacted] 5567535 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Less than two fico scores were reported and minimum of 2 are required for each borrower per guidelines.   Credit Risk Summary & Exception Approval in file, page 200, One credit score  < than 2 scores required. Compensating Factors: 1) DTI 29.35%   2)  Housing payment decrease 3) No payment shock, 4) 33 years at employer. 29.357% DTI on this Full documentation loan < 45% guideline max - 15% below program guideline maximum

Borrower has job stability for 33 years as a xxx.

Housing payment decreasing by $242.61.		 Reviewer Comment (2018-02-12): Lender Exception approval provided.
       02/12/2018 2 [Redacted] IL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
202957285 [Redacted] [Redacted] 5595266 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] CA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
202957285 [Redacted] [Redacted] 5595566 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Document was not provided in the file and many documents were e-signed by the borrower.   Reviewer Comment (2018-02-23): Received
 02/23/2018       1 [Redacted] CA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
202957285 [Redacted] [Redacted] 5595569 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Legal limit exceeded.   Reviewer Comment (2018-02-27): Received attestation letter with service provider selection


Reviewer Comment (2018-02-26): Final Closing Disclosure does not reflect a Lender credit for $9.30 tolerance.
 02/27/2018       1 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A B A B A B A B A Non QM Non QM Yes C B
202957285 [Redacted] [Redacted] 5650807 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Final CD TIP is 121.676%.             2 [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
202957285 [Redacted] [Redacted] 5650809 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $770.00.  Sufficient or excess cure was provided to the borrower. (7506) $30 cure was provided to the borrower and shown on the final CD.   Reviewer Comment (2018-02-27): Received attestation letter with service provider selection
 02/27/2018       1 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A B A B A B A B A Non QM Non QM Yes C B
202957285 [Redacted] [Redacted] 5650810 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.30 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (77181) Zero percent tolerance exceeded.   Reviewer Comment (2018-02-26): Fee not disclosed on Loan Estimate dated xx/xx/xxxx but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $9.30 tolerance.
   02/26/2018     2 [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B B B B B B B B B B Non QM Non QM Yes C B
202957285 [Redacted] [Redacted] 5709888 [Redacted] [Redacted] Compliance Compliance Federal Compliance Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $770.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Received attestation letter with service provider selection         02/27/2018   1 [Redacted] CA Primary Purchase Final CD evidences Cure   A   A   A   A   A Non QM Non QM Yes C B
202957286 [Redacted] [Redacted] 5580363 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing Disclosure   Reviewer Comment (2018-02-21): Received
 02/21/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C A
202957286 [Redacted] [Redacted] 5647008 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C A
203048564 [Redacted] [Redacted] 5716726 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
203048564 [Redacted] [Redacted] 5716802 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Unable to locate this document   Reviewer Comment (2018-03-01): xx/xx/xxxx - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 03/01/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
203048564 [Redacted] [Redacted] 5722306 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 48.40% > 45% Portfolio Select Business Bank Statement program (xxxxxx).  Lender's DTI 48.36% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors:  Reserves and Residual Income Guideline variance approved by lender at time of origination Reviewer Comment (2018-02-28): Credit Risk Summary & Exception approval p191
       02/28/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
203048570 [Redacted] [Redacted] 5716958 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
203048570 [Redacted] [Redacted] 5718604 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Credit Risk Summary & Exception Approval in file, page 233. DTI > maximum allowed. Compensating Factors: 1) Payment Shock. 2) Residual Income. 3) Stable Employment History. Borrower has job stability for 10 years as an xxx.

Borrower on this Full Documentation Type documentation loan has a disposable income of $5,396.01

Guideline variance approved by lender at time of origination based on payment shock 7.64938% < 350% guideline maximum.		 Reviewer Comment (2018-02-28): Compensating Factors: 1) Payment Shock. 2) Residual Income. 3) Stable Employment History.
       02/28/2018 2 [Redacted] FL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
203048570 [Redacted] [Redacted] 5718709 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Missing econsent.   Reviewer Comment (2018-03-01): xx/xx/xxxx - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 03/01/2018       1 [Redacted] FL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
203048577 [Redacted] [Redacted] 5719920 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] LA Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
203048577 [Redacted] [Redacted] 5720169 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign Consent Agreement was not provided.   Reviewer Comment (2018-03-01): xx/xx/xxxx - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 03/01/2018       1 [Redacted] LA Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
203048577 [Redacted] [Redacted] 5720173 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller Change - Deposit TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether there was a change in the Deposit. (Final/xx/xx/xxxx) Deposit funds changed by $0.14 and was disclosed as "Yes" on Closing Disclosure; No real change since LE is rounded.             2 [Redacted] LA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
203048577 [Redacted] [Redacted] 5720174 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure With Seller Change - Down Payment TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether there was a change in the Down Payment/Funds from Borrower. (Final/xx/xx/xxxx) Down payment funds changed by $0.14 and was disclosed as "Yes" on Closing Disclosure; No real change since LE is rounded.             2 [Redacted] LA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
203048577 [Redacted] [Redacted] 5720175 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $782.84 while CD seller's fees total $817.84.             2 [Redacted] LA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B
203048582 [Redacted] [Redacted] 5714794 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-03-01): xx/xx/xxxx - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 03/01/2018       1 [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No B A
203048587 [Redacted] [Redacted] 5716899 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] NV Primary Refinance - Cash-out - Other   C A C A C A C A C A Non QM Non QM No C A
203048587 [Redacted] [Redacted] 5719412 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign consent agreement not provided.   Reviewer Comment (2018-03-01): xx/xx/xxxx - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 03/01/2018       1 [Redacted] NV Primary Refinance - Cash-out - Other No Defined Cure B A B A B A B A B A Non QM Non QM No C A
203048600 [Redacted] [Redacted] 5711118 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. 0.42 months < 3 months Non-Prime program.    Lender's 2 months calculation < 3 months.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors:  Payment chock and Stable employment history. Payment shock is only 28%.

Borrower has been on the same job for almost 10 years.		 Reviewer Comment (2018-02-28): Credit Risk Summary & Exception approval  p226
       02/28/2018 2 [Redacted] IL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
203048600 [Redacted] [Redacted] 5711123 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. 48.31% > 45% Non-Prime program.  Lender's 48.79% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors:  Payment chock and Stable employment history. Payment shock is only 28%.

Borrower has been on the same job for almost 10 years.		 Reviewer Comment (2018-02-28): Credit Risk Summary & Exception approval  p226
       02/28/2018 2 [Redacted] IL Primary Purchase   C B C B C B C B C B Non QM Non QM No C B
203048600 [Redacted] [Redacted] 5711146 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
203048600 [Redacted] [Redacted] 5711467 [Redacted] [Redacted] Compliance Compliance State Compliance State Defect Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.     Reviewer Comment (2018-03-01): Received
 03/01/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
203048600 [Redacted] [Redacted] 5711468 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. .   Reviewer Comment (2018-03-01): Received
 03/01/2018       1 [Redacted] IL Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
203048600 [Redacted] [Redacted] 5711507 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller's CD discloses $13,916.50 in costs paid by Seller at closing not disclosed on Consumer's CD             2 [Redacted] IL Primary Purchase   B B B B B B B B B B Non QM Non QM Yes C B
203048600 [Redacted] [Redacted] 5714347 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Credit Report Error: Missing source document for credit/housing history.   9 months housing history < 12 months Non-Prime program. Missing prior VOM for xxxxx paid off xxxxx upon sale ofxxxx.  Borrower rents current residence 7 months at application post sale of prior owned residence.  8 months bill pays, first months rent + deposit in file (p 91-103) document 9 months recent housing history within 12 month look back.   Reviewer Comment (2018-03-01): Prior house paid for
 03/01/2018       1 [Redacted] IL Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
203048602 [Redacted] [Redacted] 5701640 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] FL Investment Refinance - Cash-out - Other   C A C A C A C A C A     No C A
203048604 [Redacted] [Redacted] 5720387 [Redacted] [Redacted] Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018       1 [Redacted] AZ Primary Purchase   C A C A C A C A C A Non QM Non QM No C B
203048604 [Redacted] [Redacted] 5720509 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Not in file.   Reviewer Comment (2018-03-01): xx/xx/xxxx - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 03/01/2018       1 [Redacted] AZ Primary Purchase No Defined Cure B A B A B A B A B A Non QM Non QM No C B
203048604 [Redacted] [Redacted] 5720516 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller CD reported seller paid fees of $1,118.00 versus $2,802.95 reported on the final CD.             2 [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B B B B B Non QM Non QM Yes C B