Edgar Loan IDs	Overall Event	Final Credit Event	Credit Exceptions	Credit Comments	Final Compliance Event	Compliance Exceptions	Compliance Comments	Eligible For Predatory Testing - Unable to Test	Compliance Comp Factors	State	Origination Date	Purpose at origination	Occupancy at origination	LTV Original (Calculated)	LTV Combined Orig (Calculated)	Debt (Back) Ratio From 1008
RPL5193	3	3	[3]   Final Application Missing [3]   Initial Application Incomplete	Initial application incomplete due to missing the borrower's signature but marked as taken in a face to face interview.	3	[3]   HUD-1 Incomplete [3]   TIL Incomplete [2]   State - Missing Application Disclosure [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   State - Missing Lock-In Agreement [2]   Initial TIL Missing	Final HUD incomplete due to not being signed by the borrower and missing page 2. Final TIL is executed by borrower at closing; however reflects estimated Finance Charge figure.	NO		MO	XX/XX/XXXX	Purchase	Owner Occ	94.99	94.99	30.05
RPL5049	3	3	[3]   Final Application Missing [3]   Missing Initial Application [2]   Combined Orig LTV >100% [2]   Manufactured (Double-Wide)		1					OR	XX/XX/XXXX	Rate/Term Refi	Owner Occ	84.97	107.55	46.37
RPL221	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date				TX	XX/XX/XXXX	Purchase	Owner Occ	95	95	47.07
RPL5050	3	3	[3]   Mortgage/DOT Incomplete [3]   Missing Initial Application [2]   Combined Orig LTV >100%	Missing pages 12-16 of 16.	3	[3]   TIL Missing [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Notice to Purchaser-Mortgagor [2]   State - Missing Pre-Application Dislcosure [2]   State - Missing Notice of Material Change of Mortgage Loan Terms [2]   State - Missing Lock In Agreement [2]   State - Missing Mortgage Loan Commitment [2]   Initial GFE Missing [2]   Initial TIL Missing		NO		FL	XX/XX/XXXX	Purchase	Owner Occ	61.6	102.43
RPL222	3	3	[3]   Final Application Missing		2	[2]   Affiliated Business Doc Missing [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure				PA	XX/XX/XXXX	Purchase	Owner Occ	80	95
RPL5051	2	1			2	[2]   State - Missing Attorney/Insurance Preference Dislcosure				SC	XX/XX/XXXX	Cashout Refi	Owner Occ	68.94	95
RPL5057	3	3	[3]   Missing Initial Application		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   Initial GFE Missing				NC	XX/XX/XXXX	HELOC	Investment Property	65	65
RPL5096	3	3	[3]   Appraisal Missing [3]   Final Application Missing		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Virginia Insurance Disclosure [2]   State - Missing signed Notice of Mortgage Broker Fee				VA	XX/XX/XXXX	Cashout Refi	Investment Property	100	100
RPL394	3	3	[3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Interest Rate Disclsoure [2]   State - Missing Application Disclosure [2]   State - Missing  Borrower's Choice of Attorney Disclosure [2]   State - Missing  Fair Credit Reporting Act Notice [2]   Initial TIL Missing				NY	XX/XX/XXXX	Cashout Refi	Owner Occ	95.14	95.14	40
RPL395	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   No Net Tangible Benefit To Borrower [3]   Missing Initial Application	No Net Tangible Benefit to borrower due to previous Note in file does not reflect decrease in interest rate more than .25% and no debt is being paid off at time of closing and borrower not receiving more than $2,000 at closing.	2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing				NE	XX/XX/XXXX	Rate/Term Refi	Owner Occ	95.94	95.94	53
RPL5201	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Application Disclosure [2]   State - Missing Right to Choose Insurance Provider [2]   State - Missing Affidavit of Affixation (of manufactured home) [2]   State - Missing Rate Lock [2]   State - Missing Title Insurance Notice [2]   State - Missing Documentation of Fees paid to Third Parties [2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application [2]   Initial TIL Missing				TN	XX/XX/XXXX	Cashout Refi	Owner Occ	64.42	64.42	67
RPL5202	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Credit Score Disclosure Not Present [2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents [2]   Initial TIL Missing				IA	XX/XX/XXXX	Cashout Refi	Owner Occ	75.46	75.46	72
RPL397	3	3	[3]   Final Application Missing [3]   Mortgage/DOT Incomplete [3]   Missing Initial Application	Mortgage incomplete due to county on mortgage showing XXX however legal description showing XXX.	2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercionn Notice [2]   State - Missing Mortgage Loan Origination Disclosure [2]   State - Missing Prepayment Penalty Disclosure [2]   State - Missing Commitment Letter [2]   Initial TIL Missing				MT	XX/XX/XXXX	Cashout Refi	Owner Occ	77.77	77.77	44
RPL398	3	3	[3]   Final Application Missing [3]   Credit Report Missing		2	[2]   Initial TIL Missing				NY	XX/XX/XXXX	Cashout Refi	Owner Occ	45.1	45.1
RPL5203	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Combined Orig LTV >100%		2	[2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Rate Lock Disclosure [2]   State - Missing Disclosure of Facts Material to the Borrower’s Decision, Rights or Interests [2]   State - Missing Disclosure of Mortgage Loan Compensation [2]   State - Missing Freedom of Choice Insurance Disclosure [2]   State - Missing Disclosure of Loans that Borrower Qualifies For [2]   State - Missing Mortgage Loan Summary [2]   Initial TIL Missing				NM	XX/XX/XXXX	Cashout Refi	Owner Occ	101.8	101.8
RPL399	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercionn Notice [2]   State - Missing Commitment Letter [2]   State - Missing Rate Lock [2]   Initial TIL Missing				MT	XX/XX/XXXX	Cashout Refi	Owner Occ	64.05	64.05	62
RPL400	3	3	[3]   Appraisal Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   State - Missing Credit Agreeement/Rate Lock [2]   State - Missing Tangible Net Benefit Disclosure [2]   Initial TIL Missing				CO	XX/XX/XXXX	Rate/Term Refi	Owner Occ	96.37	96.37	29
RPL401	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Mortgage/DOT Incomplete [3]   Missing Initial Application	Mortgage incomplete due to incorrect county listed on page 1 for property address.  Attached legal description shows the property is situated in the XXXX.	2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing				LA	XX/XX/XXXX	Cashout Refi	Owner Occ	87.24	87.24	57
RPL402	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Broker Agreement [2]   State - Missing  Freedom to Choose Insurance Provider disclosure [2]   State - Missing Notice to Borrower/Prospective Borrower / Homeowner Protection Notice [2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04) [2]   Initial TIL Missing				IN	XX/XX/XXXX	Cashout Refi	Owner Occ	79.25	79.25	47
RPL5205	3	3	[3]   MI Missing [3]   Missing Initial Application [2]   Combined Orig LTV >100% [2]   Manufactured (Double-Wide)	Case Query results are not provided to indicate if UFMIP was paid, FHA loan, missing MIC.	2	[2]   Affiliated Business Doc Missing [2]   State - Missing Impound Authorization Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing				CA	XX/XX/XXXX	Purchase	Owner Occ	97	104	48.86
RPL5206	3	3	[3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure				PA	XX/XX/XXXX	Cashout Refi	Owner Occ	100	100	50.99
RPL5207	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Title Evidence [3]   Missing Initial Application		3	[3]   ROR Missing [3]   Finance Charge underdisclosed >$35 for Refinance [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Application Disclosure [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   State -  Missing Broker Agreement [2]   Initial GFE Missing [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. TIL Itemization did not disclose the flood certification fee of $10, a wire fee of $15 and  the recording service fee of $48 as prepaid finance charges.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	MO	XX/XX/XXXX	Rate/Term Refi	Owner Occ	79.74	79.74
RPL407	3	3	[3]   Final Application Missing [3]   Appraisal Incomplete [3]   Missing Initial Application	Appraisal incomplete due to missing recertification of value. Appraisal report dated XX/XX/XXXX loan originated XX/XX/XXXX.	3	[3]   Rescission Period under 3 days [3]   Finance Charge underdisclosed >$35 for Refinance [3]   ROR Violation Funding date is prior to or equals the ROR End Date [2]   State - Missing Rate Lock Disclosure [2]   State - Missing Disclosure of Facts Material to the Borrower’s Decision, Rights or Interests [2]   State - Missing Disclosure of Mortgage Loan Compensation [2]   State - Missing Freedom of Choice Insurance Disclosure [2]   State - Missing Rate Lock Agreement [2]   State - Missing Disclosure of Loans that Borrower Qualifies For [2]   State - Missing Mortgage Loan Summary [2]   State - Missing Application Disclosure Statement / Advance Fee Agreement [2]   Initial TIL Missing	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed. ROR executed by borrowers 7/16/1999 with expiration of rescission period noted as 7/16/1999, providing borrower with a 0 day rescission period. ROR executed by borrowers 7/16/1999 with expiration of rescission period noted as 7/16/1999. HUD reflects a funding date of 7/19/1999, equal to the rescission period expiration date, and 0 days of interest was collected which coincides with a  funding date.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	NM	XX/XX/XXXX	Cashout Refi	Owner Occ	100	100
RPL5208	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Attorney Disclosure				NJ	XX/XX/XXXX	Purchase	Owner Occ	100	100	36.78
RPL5209	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account [2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Fair Lending Notice [2]   Initial GFE Missing [2]   Initial TIL Missing				CA	XX/XX/XXXX	Purchase	Owner Occ	80	94.99
RPL453	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   No Net Tangible Benefit To Borrower [3]   Missing Initial Application [2]   Manufactured (Double-Wide)	Unable to determine net tangible benefit due to missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.	2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Rate and Points Lock/Float Agreement [2]   State - Missing Application Disclosure Statement [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Commitment Letter [2]   State - Missing Notice of Choice of Agent or Insurer [2]   Initial TIL Missing				IL	XX/XX/XXXX	Rate/Term Refi	Owner Occ	77.1	77.1
RPL5247	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   Initial TIL Missing	Evidence of credit life insurance with a monthly payment of $24.19 and annual premium of $289.68. Insurance is optional.			IL	XX/XX/XXXX	Cashout Refi	Owner Occ	78.15	78.15
RPL454	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		3	[3]   State Late Charge Not Standard [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)	Late charge fee of 5% exceeds the max allowed of 4% for the state of Mississippi.			MS	XX/XX/XXXX	Cashout Refi	Owner Occ	56.21	56.21
RPL455	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing				MS	XX/XX/XXXX	Cashout Refi	Owner Occ	68.76	68.76
RPL456	3	3	[3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   Affiliated Business Doc Missing [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing				GA	XX/XX/XXXX	Cashout Refi	Owner Occ	69.47	69.47
RPL457	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing	Evidence of credit life insurance with a monthly payment of $123.40 and annual premium of $1480.80. Insurance is optional.			PA	XX/XX/XXXX	Cashout Refi	Owner Occ	93.85	93.85
RPL5250	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Anti-Coercion Notice [2]   Initial TIL Missing	Evidence of single credit life insurance with a monthly payment of $66.55 and annual premium of $798.60. Insurance is optional.			FL	XX/XX/XXXX	Cashout Refi	Owner Occ	68.19	68.19
RPL458	3	3	[3]   Missing Initial Application [3]   Credit Report Incomplete	Credit report incomplete due to missing origination entity information.	2	[2]   State - Missing Application Disclosure [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing				GA	XX/XX/XXXX	Cashout Refi	Owner Occ	90.9	90.9
RPL459	3	3	[3]   Credit Report Missing		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing	Evidence of credit life insurance with a monthly payment of $62.07 and annual premium of $743.05. Insurance is optional. Evidence of credit disability insurance with a monthly payment of $17.76 and annual premium of $213.02. Insurance is optional.			NM	XX/XX/XXXX	Cashout Refi	Owner Occ	89	89
RPL460	3	3	[3]   Credit Report Missing [3]   Appraisal Incomplete [3]   Missing Initial Application	Appraisal incomplete due to missing recertification of value. Appraisal report dated XX/XX/XXXX, loan originated XX/XX/XXXX.	2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Collateral Protection Act Disclosure [2]   Missing WV Net Tangible Benefit Worksheet [2]   State - Missing Tangible Net Benefit Disclosure [2]   Initial TIL Missing				WV	XX/XX/XXXX	Cashout Refi	Owner Occ	85.54	85.54
RPL5251	3	3	[3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   Initial TIL Missing				NC	XX/XX/XXXX	Cashout Refi	Owner Occ	86.83	86.83
RPL461	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing Virginia Insurance Disclosure [2]   State - Missing Appraisal Notice [2]   Initial TIL Missing				VA	XX/XX/XXXX	Cashout Refi	Owner Occ	61.27	61.27
RPL462	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing				GA	XX/XX/XXXX	Cashout Refi	Owner Occ	62.85	62.85
RPL463	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing	Evidence of single credit life insurance with a monthly payment of $37.01 and annual premium of $443.34. Insurance is optional. Evidence of single credit disability insurance with a monthly payment of $28.77 and annual premium of $345.26. Insurance is optional.			PA	XX/XX/XXXX	Cashout Refi	Owner Occ	80.76	80.76
RPL5252	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   State - Missing Borrower's Bill of Rights [2]   State - Missing Consumer Caution and Counseling Disclosure [2]   Initial TIL Missing				MI	XX/XX/XXXX	Cashout Refi	Owner Occ	93.39	93.39
RPL5253	3	3	[3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Rate and Points Lock/Float Agreement [2]   State - Missing Application Disclosure Statement [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Escrow Account Disclosure Agreement [2]   State - Missing Commitment Letter [2]   Initial TIL Missing				IL	XX/XX/XXXX	Cashout Refi	Owner Occ	44.04	44.04
RPL464	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Rate Lock [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing				PA	XX/XX/XXXX	Cashout Refi	Owner Occ	97.58	97.58
RPL5254	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		3	[3]   ROR Missing [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)			ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	OK	XX/XX/XXXX	Cashout Refi	Owner Occ	84.08	84.08
RPL5255	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Title Evidence [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Application Disclosure [2]   State - Missing Affidavit of Affixation (of manufactured home) [2]   State - Missing Rate Lock [2]   State - Missing Separate and distinct Prepayment Penalty Disclosure on the Note [2]   Initial TIL Missing				TN	XX/XX/XXXX	Cashout Refi	Owner Occ	72.39	72.39
RPL5256	3	3	[3]   Credit Report Missing		3	[3]   APR Tolerance UnderDisclosed 0.125 [3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Attorney/Insurance Preference Dislcosure [2]   State - Missing Agency to Receive Borrower Complaints [2]   Initial TIL Missing	APR over disclosed by .487 which exceeds the .125 tolerance. Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing TIL itemization of amount financed.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	SC	XX/XX/XXXX	Rate/Term Refi	Owner Occ	92.43	92.43
RPL5257	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Appraisal Incomplete [3]   Missing Initial Application	Appraisal incomplete due to pages being cutoff during the imaging process.	3	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Waiver of Borrower's Rights	ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. The loan is outside the SOL.	GA	XX/XX/XXXX	Cashout Refi	Owner Occ	58.24	58.24
RPL5258	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing				GA	XX/XX/XXXX	Cashout Refi	Owner Occ	52.88	52.88
RPL465	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Right to Choose Insurance Provider [2]   Initial TIL Missing				MS	XX/XX/XXXX	Cashout Refi	Owner Occ	85.28	85.28
RPL466	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Commitment Letter [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing Virginia Insurance Disclosure [2]   State - Missing Appraisal Notice [2]   State - Missing Agent's Certification As to the Validity of Power of Attorney and Agent's Authority [2]   Initial TIL Missing				VA	XX/XX/XXXX	Cashout Refi	Owner Occ	87.38	87.38
RPL467	3	3	[3]   Final Application Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   State - Missing Right to Choose Insurance Provider [2]   State - Missing Affidavit of Affixation (of manufactured home) [2]   State - Missing Rate Lock [2]   State - Missing Separate and distinct Prepayment Penalty Disclosure on the Note				TN	XX/XX/XXXX	Cashout Refi	Owner Occ	81.5	81.5
RPL5259	3	3	[3]   Credit Report Missing		3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Agency to Receive Borrower Complaints [2]   Initial TIL Missing	Evidence of credit life insurance with a monthly payment of $28.77 and annual premium of $343.54. Insurance is optional. Finance charges under disclosed by $XX which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing attorney fee of $150 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	SC	XX/XX/XXXX	Cashout Refi	Owner Occ	73.94	73.94
RPL5260	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Mortgage Loan Origination Dislcosure [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure [2]   State - Missing Insurance Disclosure [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   Initial TIL Missing	Evidence of credit life insurance with a monthly payment of $24.34 and annual premium of $291.38. Insurance is optional.			OH	XX/XX/XXXX	Cashout Refi	Owner Occ	79.15	79.15
RPL468	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Combined Orig LTV >100%		2	[2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note [2]   Initial TIL Missing	Evidence of credit disability insurance with a monthly payment of $46.87 and annual premium of $562.46.  Insurance is optional.			AL	XX/XX/XXXX	Cashout Refi	Owner Occ	104.3	104.3
RPL5261	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Missing Initial Application		3	[3]   HUD-1 Missing [2]   Credit Score Disclosure Not Present [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Acknowledgment of Receipt of Disclosure Regarding ARM Loan Without Prepayment [2]   Initial GFE Missing [2]   Initial TIL Missing		YES		WI	XX/XX/XXXX	Cashout Refi	Owner Occ	75.02	93.97
RPL5263	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing				MS	XX/XX/XXXX	Cashout Refi	Owner Occ	43.83	43.83
RPL469	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing	Evidence of single credit disability insurance with a monthly payment of $19.18 and annual premium of $230.11. Insurance is optional.			PA	XX/XX/XXXX	Cashout Refi	Owner Occ	41.49	41.49
RPL470	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   No Net Tangible Benefit To Borrower [3]   Missing Initial Application	Unable to determine net tangible benefit due to, missing previous note and/or payoff statement for subject property. Unable to determine if borrower is paying off any debt at time of closing or receiving more than $2,000 at closing.	3	[3]   TIL Missing [3]   Initial GFE Missing [3]   ROR Missing [3]   HUD-1 Missing [3]   Initial TIL Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   State - Missing Amortization Information Disclosure [2]   Credit Score Disclosure Not Present	File does not contain any GFEs for review.	YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	NC	XX/XX/XXXX	Cashout Refi	Owner Occ	86.88	86.88
RPL5264	3	3	[3]   Final Application Missing [3]   Missing Initial Application [2]   Combined Orig LTV >100%		3	[3]   Rescission Period under 3 days [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing	Evidence of credit life insurance with a premium of $5062.50. Insurance is optional. Evidence of accident and health insurance with a premium of $1026.00. Insurance is optional. ROR executed by borrowers 9/2/1999 with expiration of rescission period noted as 9/7/1999, however, mortgage reflects a notary date of 9/3/99.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	SC	XX/XX/XXXX	Rate/Term Refi	Owner Occ	116.66	116.66	30
RPL471	3	3	[3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Lock In Agreement [2]   Initial TIL Missing	Evidence of credit life insurance with a monthly payment of $37.95 and annual premium of $455.40. Evidence of credit disability insurance with a monthly payment of $21.57 and annual premium of $258.82. Evidence of involuntary unemployment insurance with a monthly payment of $29.22 and annual premium of $350.61. Insurance is optional.			FL	XX/XX/XXXX	Cashout Refi	Owner Occ	39.5	39.5
RPL472	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Missing Initial Application		2	[2]   State - Missing Right to Select Attorney Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing				GA	XX/XX/XXXX	Purchase	Owner Occ	100	100
RPL473	3	3	[3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure [2]   State - Missing Application Disclosure Statement [2]   State - Missing Waiver of Right to Participate in Class Action Addendum to Note [2]   Initial TIL Missing				UT	XX/XX/XXXX	Cashout Refi	Owner Occ	94.76	94.76
RPL474	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Right to Choose Insurance Provider [2]   State - Missing Rate Lock [2]   State - Missing Title Insurance Notice [2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application [2]   Initial TIL Missing				TN	XX/XX/XXXX	Cashout Refi	Owner Occ	83.74	83.74
RPL5265	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Title Evidence [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Rate Lock [2]   Initial TIL Missing	Evidence of single life insurance with a monthly payment of $45.91 and annual premium of $542.49. Insurance is optional.			TN	XX/XX/XXXX	Cashout Refi	Owner Occ	71.4	71.4
RPL5266	3	3	[3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Notice of Choice of Insurance Agent Disclosure [2]   State - Missing Tangible Net Benefit Disclosure [2]   State - Missing Application Disclosure [2]   Initial TIL Missing	Evidence of single credit disability insurance with a monthly payment of $34.71 and annual premium of $416.49.   Insurance is optional.			RI	XX/XX/XXXX	Cashout Refi	Owner Occ	36.13	36.13
RPL475	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing				MS	XX/XX/XXXX	Cashout Refi	Owner Occ	81.25	81.25
RPL5267	3	3	[3]   Final Application Missing [3]   Credit Report Missing		2	[2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   Initial TIL Missing				NC	XX/XX/XXXX	Cashout Refi	Owner Occ	81.44	81.44	35.57
RPL476	3	3	[3]   Final Application Missing [3]   Credit Report Missing		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing				GA	XX/XX/XXXX	Cashout Refi	Owner Occ	62.1	62.1
RPL477	3	3	[3]   Credit Report Missing [3]   Application Incomplete [3]   Missing Initial Application	Final application incomplete due to missing origination entity information.	2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing				SC	XX/XX/XXXX	Cashout Refi	Owner Occ	93.09	93.09
RPL478	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   Initial TIL Missing				AL	XX/XX/XXXX	Cashout Refi	Owner Occ	68.53	68.53
RPL5268	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Affiliated Business Doc Missing [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   Initial TIL Missing	Evidence of credit life insurance with a monthly payment of $20.05 and annual premium of $240.65. Insurance is optional.			AL	XX/XX/XXXX	Cashout Refi	Owner Occ	99.28	99.28
RPL479	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Commitment Letter [2]   State - Missing Lock In Disclosure [2]   State - Missing Virginia Insurance Disclosure [2]   State - Missing Choice of Settlement Agent Disclosure [2]   State - Missing Appraisal Notice [2]   Initial TIL Missing				VA	XX/XX/XXXX	Cashout Refi	Owner Occ	64.26	64.26
RPL480	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Closing Statement / Closing Disclosure [2]   Initial TIL Missing	Evidence of credit life insurance with a monthly payment of $36.26 with an annual premium of $431.88 and credit disability with a monthly payment of $45.64 and an annual premium of $547.37. Insurance is optional.			OH	XX/XX/XXXX	Cashout Refi	Owner Occ	69.34	69.34
RPL481	3	3	[3]   Appraisal Missing [3]   Final Application Missing [2]   Combined Orig LTV >100%		2	[2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing				GA	XX/XX/XXXX	Cashout Refi	Owner Occ	122.93	122.93
RPL487	2	1			2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Loan Commitment [2]   State - Missing Guarantee Of Loan Program [2]   State - Missing Home Buyers Property Tax Payment Option [2]   State - Missing MD No Escrow Account Disclosure [2]   State - Missing Licensee Information or Affidavit of Exemption [2]   State - Missing Written Acknowledgement of Delivery of the Note [2]   State - Missing Credit Grantor Election [2]   Initial GFE Missing [2]   Initial TIL Missing				MD	XX/XX/XXXX	Cashout Refi	Owner Occ	76.11	76.11	19.78
RPL5162	3	3	[3]   Final Application Missing [3]   Missing Initial Application		3	[3]   TIL Incomplete [2]   Affiliated Business Doc Missing	Final TIL incomplete due to missing borrowers' signatures.	NO		TX	XX/XX/XXXX	Purchase	Owner Occ	99.14	99.14	44.43
RPL5183	3	3	[3]   Final Application Missing [3]   Missing Initial Application [2]   Combined Orig LTV >100%		3	[3]   Finance Charge underdisclosed >$35 for Refinance [3]   TIL Incomplete [2]   State - Missing Application Disclosure [2]   State - Missing Notice of Expiration of Loan Commitment [2]   State - Missing Prevailing Commitment Disclosure [2]   State - Missing Lock-In Agreement [2]   State - Missing  Borrower's Choice of Attorney Disclosure [2]   State - Missing  Fair Credit Reporting Act Notice	Final TIL was signed by the borrower at closing, however, reflects estimated APR, finance charges, amount financed and total payment figures. Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.	TESTED	Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	NY	XX/XX/XXXX	Rate/Term Refi	Owner Occ	106.9	106.9	32.81
RPL5177	3	3	[3]   Missing Initial Application		3	[3]   APR Tolerance UnderDisclosed 0.125 [3]   Finance Charge underdisclosed >$100 for Purchase [2]   State - Missing Agency to Receive Borrower Complaints [2]   Initial TIL Missing	APR under disclosed by .2416 which exceeds the .125 tolerance. Finance charges under disclosed by $XX which exceeds the $100 tolerance for purchase transactions. TIL itemization did not disclose a Courier fee of $25 as prepaid finance charge.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	SC	XX/XX/XXXX	Purchase	Owner Occ	95	98.34	27.11
RPL5273	3	1			3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Lock In Agreement [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date	Finance charges under disclosed by $XX which exceeds the $35 tolerance for refinance transactions. Lender approval indicates the Index used was 5.5% which coincides with the look-back period. Further, the under disclosure of payments is not due to a rounding method or maximum negative amortization. Unable to determine the total payment under disclosure without the amortization schedule and closing instructions.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	FL	XX/XX/XXXX	Cashout Refi	Owner Occ	68.97	68.97	41.959
RPL5174	3	3	[3]   Credit Report Missing [3]   Application Incomplete [3]   Initial Application Incomplete	Incomplete final application due to missing origination entity information. Incomplete initial application due to missing origination entity information.	2	[2]   State - Missing Oral Agreements Notice on the Note [2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents [2]   State - Missing Notice to Consumer [2]   Initial TIL Missing				IA	XX/XX/XXXX	Cashout Refi	Owner Occ	78.51	78.51
RPL5179	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information.	3	[3]   Finance Charge underdisclosed >$100 for Purchase [2]   Initial GFE Missing [2]   Initial TIL Missing	Finance charges under disclosed by $XXwhich exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	GA	XX/XX/XXXX	Purchase	Owner Occ	79.97	79.97	38.23
RPL5275	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		3	[3]   TIL Missing [2]   State - Missing Application Fee Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing		NO		LA	XX/XX/XXXX	Purchase	Owner Occ	89.19	93.16
RPL485	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   State - Missing Right to Choose Insurance Provider				TN	XX/XX/XXXX	Rate/Term Refi	Owner Occ	80	100	33.6
RPL486	3	1			3	[3]   Finance Charge underdisclosed >$35 for Refinance	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	NY	XX/XX/XXXX	Rate/Term Refi	Owner Occ	80	80	48.45
RPL5278	2	1			2	[2]   Affiliated Business Doc Missing				IL	XX/XX/XXXX	Cashout Refi	Owner Occ	57.97	57.97	46
RPL484	3	3	[3]   Final Application Missing		3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Pre-Application Dislcosure [2]   State - Missing Lock In Agreement [2]   State - Missing Mortgage Loan Commitment [2]   Initial TIL Date not within 3 days of Initial Application Date	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	FL	XX/XX/XXXX	Cashout Refi	Owner Occ	60	60	25.75
RPL5279	2	1			2	[2]   State - Missing Notice to Purchaser-Mortgagor [2]   State - Missing Anti-Coercion Notice				FL	XX/XX/XXXX	Construction To Perm	Owner Occ	81.67	81.67	39.6239
RPL5272	3	3	[3]   Initial Application Incomplete [2]   Only Preliminary Title in File	Initial application incomplete due to missing origination entity information.	2	[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Notice Regarding Nonrefundability of Loan Fees				RI	XX/XX/XXXX	Purchase	Owner Occ	80	80	41.53
RPL368	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Missing Initial Application		2	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing				GA	XX/XX/XXXX	Rate/Term Refi	Owner Occ	99.31	99.31	37.86
RPL5180	3	3	[3]   Credit Report Missing [3]   Mortgage/DOT Incomplete	Mortgage incomplete due to bottom of all pages cut off during the imaging process.	3	[3]   HUD-1 Incomplete [3]   State Late Charge Not Standard [2]   State - Missing Interest Rate Disclsoure [2]   State - Missing Lock-In Agreement [2]   State - Missing  Fair Credit Reporting Act Notice [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present	Final HUD incomplete due to borrower signatures cutoff as well as HUD figures. Late charge fee of 5% exceeds the maximum of 2% allowed for the state of New York.	YES		NY	XX/XX/XXXX	Cashout Refi	Owner Occ	70.43	70.43	48.45
RPL355	3	3	[3]   Final Application Missing [3]   Credit Report Missing		3	[3]   State Late Charge Not Standard [2]   Initial TIL Missing	Late charge fee of 5% exceeds the max allowed of 4% for the state of Mississippi.			MS	XX/XX/XXXX	Cashout Refi	Owner Occ	79.98	79.98	52.9
RPL5160	3	3	[3]   Missing Initial Application		2	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure				CA	XX/XX/XXXX	Cashout Refi	Owner Occ	93.37	93.37
RPL370	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   State - Missing Anti-Coercion Notice [2]   State - Missing Application Disclosure [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   State - Missing Lock-In Agreement [2]   Initial TIL Missing				MO	XX/XX/XXXX	Cashout Refi	Owner Occ	98.13	98.13	30.63
RPL371	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Credit Report Missing		3	[3]   ROR Missing [3]   [GA] Home Loan Provision: Mandatory Arbitration Provision found in file. GA Fair Lending Act as amended by Senate Bill 53 prohibits mandatory arbitration clause on GA home loans. [2]   State - Missing Commitment Disclosure [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing	[GA] Home Loan Provision: Mandatory Arbitration Provision found in file. GA Fair Lending Act as amended by Senate Bill 53 prohibits mandatory arbitration clause on GA home loans.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	GA	XX/XX/XXXX	Rate/Term Refi	Owner Occ	55.47	55.47	53.78
RPL5285	3	3	[3]   Appraisal Incomplete [3]   Initial Application Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated XX/XX/XXXX, loan originated XX/XX/XXXX. Initial application incomplete due to missing origination entity information.	3	[3]   APR Tolerance UnderDisclosed 0.125 [3]   Finance Charge underdisclosed >$100 for Purchase [3]   Note P&I Does Not Equal Final TIL P&I [2]   Affiliated Business Doc Missing	APR under disclosed by .1798 which exceeds the .125 tolerance. Finance charges under disclosed by $XX which exceeds the $100 tolerance for purchase transactions. Unable to determine payment under disclosure due to missing amortization schedule from the loan file. Final TIL reflects monthly MI of $5.16, however the HUD reflects MI in the amount of $35.33. The Note reflects P&I of $XXX (+MI $35.33=$XXX) and the TIL reflects an initial P&I of $XXX ($XXX+MI $5.16). Discrepancy appears to be document error: TIL is disclosed incorrectly with incorrect MI payment amount.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	AL	XX/XX/XXXX	Purchase	Owner Occ	96.36	96.36	38.9
RPL5122	3	3	[3]   Missing Initial Application		2	[2]   State - Missing Application Disclosure [2]   State - Missing Commitment Disclosure [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure				GA	XX/XX/XXXX	Cashout Refi	Owner Occ	85	85
RPL373	3	3	[3]   Final Application Missing [3]   Missing Initial Application [2]   Only Preliminary Title in File		1					CA	XX/XX/XXXX	Rate/Term Refi	Owner Occ	72.08	72.08	30.65
RPL5287	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing				GA	XX/XX/XXXX	Purchase	Owner Occ	90	90	40.09
RPL309	3	3	[3]   Final Application Missing [3]   Escrow Holdback [3]   Missing Initial Application	HUD line 808 reflects  $XXXX escrow hold back for roof repairs. Escrow agreement is not in file	2	[2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan				NC	XX/XX/XXXX	Cashout Refi	Owner Occ	85	85
RPL5195	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Attorney General Information Statement [2]   State - Missing Statutory Authority Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing				OH	XX/XX/XXXX	Cashout Refi	Owner Occ	92.86	92.86	24.4
RPL307	3	3	[3]   Missing Initial Application		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Pre-Application Dislcosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing				FL	XX/XX/XXXX	Cashout Refi	Owner Occ	84.98	84.98	50.23
RPL5286	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   Initial GFE Date not within 3 days of Initial Application Date				NE	XX/XX/XXXX	Cashout Refi	Investment Property	65	65	55.55
RPL303	3	3	[3]   Application Incomplete [3]   Missing Initial Application	Incomplete Final Application due to missing origination entity information.	3	[3]   State Late Charge Not Standard [2]   Affiliated Business Doc Missing [2]   State - Missing Broker Agreement [2]   State - Missing Application Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing  Freedom to Choose Insurance Provider disclosure [2]   State - Missing Loan Broker Disclosure [2]   Initial TIL Missing	Late charge fee of 6% exceeds the max allowed of 5% for the state Kansas.			KS	XX/XX/XXXX	Cashout Refi	Owner Occ	75	75	48.534
RPL306	3	3	[3]   Missing Initial Application [2]   Manufactured (Double-Wide)		3	[3]   State Grace Period Below Minimum [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing	Grace period of 10 days is below the minimum of 15 days per the state of Missouri.			MO	XX/XX/XXXX	Cashout Refi	Owner Occ	75	75	27.07
RPL302	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   Affiliated Business Doc Missing [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Commitment Letter [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09)				PA	XX/XX/XXXX	Purchase	Investment Property	85	85	35.316
RPL304	3	3	[3]   Application Incomplete [3]   Missing Initial Application	Final application incomplete due to missing origination entity information.	3	[3]   State Late Charge Not Standard [2]   Affiliated Business Doc Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Agent's Certification As to the Validity of Power of Attorney and Agent's Authority [2]   Initial GFE Missing [2]   Initial TIL Missing	Late charge of 6% exceeds the maximum of 5% allowed for the state of Virginia.			VA	XX/XX/XXXX	Cashout Refi	Owner Occ	75	75	51.275
RPL305	2	1			2	[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing				CA	XX/XX/XXXX	Purchase	Owner Occ	89.85	89.85
RPL308	2	2	[2]   Manufactured (Double-Wide)		2	[2]   Credit Score Disclosure Not Present [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing  Freedom to Choose Insurance Provider disclosure [2]   Initial TIL Missing				KS	XX/XX/XXXX	Cashout Refi	Owner Occ	67.22	67.22	45.03
RPL210	3	3	[3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure [2]   State - Missing Notice to Borrower/Prospective Borrower / Homeowner Protection Notice [2]   Initial GFE Missing [2]   Initial TIL Missing				IN	XX/XX/XXXX	Purchase	Owner Occ	95	95	20.1
RPL202	3	3	[3]   Credit Report Missing [3]   Escrow Holdback	HUD Line 1303 reflect an Escrow Holdback for Final Grade & Seed for $XXX.	3	[3]   ROR Missing [2]   Credit Score Disclosure Not Present [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note			ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	MO	XX/XX/XXXX	Rate/Term Refi	Owner Occ	63.26	63.26	57
RPL203	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Affiliated Business Doc Missing [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   State - Missing Amortization Information Disclosure [2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan [2]   Initial GFE Missing [2]   Initial TIL Missing	Finance charge under disclosed by $XX which exceeds the $35 tolerance for refinance transactions.  Unable to determine under disclosure due to missing Itemization of amount financed.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	NC	XX/XX/XXXX	Rate/Term Refi	Owner Occ	80	80
RPL212	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		3	[3]   HUD-1 Missing [2]   State - Missing Attorney Disclosure [2]   State - Missing Insurance Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Domestic Partnership Affidavit [2]   State - Missing Initial Tax Authorization Notice [2]   Initial GFE Missing [2]   Initial TIL Missing		NO		NJ	XX/XX/XXXX	Purchase	Owner Occ	89.15	89.15
RPL208	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Loan Origination and Compensation Agreement [2]   State - Missing Loan Application Supplemental Disclosure [2]   State - Missing Borrower Interest Worksheet [2]   State - Missing Mortgage Loan Rate Lock Commitment [2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations [2]   State - Missing Stated Income Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	MA	XX/XX/XXXX	Cashout Refi	Owner Occ	61.68	61.68	42.846
RPL204	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Affiliated Business Doc Missing [2]   State - Missing Loan Origination and Compensation Agreement [2]   State - Missing Loan Application Supplemental Disclosure [2]   State - Missing Borrower Interest Worksheet [2]   State - Missing Mortgage Loan Rate Lock Commitment [2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations [2]   Initial GFE Missing [2]   Initial TIL Missing	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing complete itemization.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	MA	XX/XX/XXXX	Cashout Refi	Owner Occ	32.08	32.08	24.12
RPL206	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Commitment Letter [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   State - Missing or Incomplete Variable Rate Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing				PA	XX/XX/XXXX	Purchase	Owner Occ	75.67	89.59
RPL406	1	1			1					MI	XX/XX/XXXX	Purchase	Second Home	79.99	79.99	22
RPL5214	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		3	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9 [2]   Initial TIL Missing [2]   Credit Score Disclosure Not Present [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note	ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. The loan is outside the SOL.	AL	XX/XX/XXXX	Cashout Refi	Owner Occ	93.66	93.66
RPL5215	3	3	[3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   Affiliated Business Doc Missing [2]   State - Missing Authorization to Complete Blank Spaces [2]   State - Missing Application Disclosure / Advance Fee Agreement [2]   State - Missing Appraisal Notice [2]   Initial TIL Missing				AZ	XX/XX/XXXX	Cashout Refi	Owner Occ	44.41	44.41
RPL5220	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Credit Score Disclosure Not Present [2]   State - Missing Authorization to Complete Blank Spaces [2]   State - Missing Application Disclosure / Advance Fee Agreement [2]   State - Missing Appraisal Notice [2]   Initial TIL Missing				AZ	XX/XX/XXXX	Cashout Refi	Owner Occ	51.79	51.79	39
RPL5223	3	3	[3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured House		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing				CO	XX/XX/XXXX	Rate/Term Refi	Owner Occ	76.26	76.26
RPL414	3	3	[3]   Credit Report Missing		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing				CA	XX/XX/XXXX	Cashout Refi	Owner Occ	42.66	42.66
RPL409	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Initial TIL Missing				MS	XX/XX/XXXX	Cashout Refi	Owner Occ	60.68	60.68
RPL412	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Combined Orig LTV >100%		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note [2]   Initial TIL Missing				AL	XX/XX/XXXX	Cashout Refi	Owner Occ	103.57	103.57
RPL5222	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Agency to Receive Borrower Complaints [2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures				SC	XX/XX/XXXX	Cashout Refi	Owner Occ	73.21	73.21	55
RPL415	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Combined Orig LTV >100%		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Application Disclosure [2]   State - Missing Commitment Disclosure [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing				GA	XX/XX/XXXX	Cashout Refi	Owner Occ	102.57	135.52	38
RPL411	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Initial TIL Missing				GA	XX/XX/XXXX	Cashout Refi	Owner Occ	73.28	73.28	35
RPL5212	3	3	[3]   Appraisal Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Initial TIL Missing				ND	XX/XX/XXXX	Cashout Refi	Owner Occ	95.2	95.2	32
RPL5216	3	3	[3]   Credit Report Missing [3]   Missing Initial Application [2]   Combined Orig LTV >100%		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Application Disclosure [2]   Initial TIL Missing				ND	XX/XX/XXXX	Cashout Refi	Owner Occ	104.76	104.76	45
RPL408	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing				IL	XX/XX/XXXX	Cashout Refi	Owner Occ	94.06	94.06	44
RPL5221	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Application Disclosure [2]   State - Missing Attorneys' Fees Disclosure [2]   State - Missing Guarantee Of Loan Program [2]   State - Missing Home Buyers Property Tax Payment Option [2]   State - Missing MD Mandatory Arbitration Disclosure [2]   State - Missing Right to Choose Attorney or Title Insurance Company [2]   State - Missing Net Tangible Benefit Worksheet [2]   Initial TIL Missing				MD	XX/XX/XXXX	Cashout Refi	Owner Occ	99.2	99.2	34
RPL5210	3	3	[3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing				LA	XX/XX/XXXX	Cashout Refi	Owner Occ	87.45	87.45
RPL413	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Dower / Homestead Waiver Rider to Mortgage [2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider [2]   State - Missing Rate Lock [2]   Initial TIL Missing				MI	XX/XX/XXXX	Cashout Refi	Owner Occ	43.86	43.86	42
RPL5218	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Commitment Letter [2]   State - Missing Consumer Disclosure Statement [2]   State - Missing Application Disclosure [2]   State - Missing Notice of Choice of Agent or Insurer [2]   Initial TIL Missing				WI	XX/XX/XXXX	Cashout Refi	Owner Occ	61.89	61.89	44
RPL5211	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Mortgage Loan Origination Dislcosure [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   State - Missing Closing Statement / Closing Disclosure [2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE [2]   Initial TIL Missing				OH	XX/XX/XXXX	Cashout Refi	Owner Occ	34.28	34.28
RPL5213	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Rate Lock [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing				PA	XX/XX/XXXX	Cashout Refi	Owner Occ	84.63	84.63	49
RPL5217	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Combined Orig LTV >100%		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Commitment Letter [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing				PA	XX/XX/XXXX	Cashout Refi	Owner Occ	101.09	101.09	33
RPL410	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Commitment Letter [2]   State - Missing Lock In Disclosure [2]   State - Missing Virginia Insurance Disclosure [2]   State - Missing Choice of Settlement Agent Disclosure [2]   State - Missing Appraisal Notice [2]   Initial TIL Missing				VA	XX/XX/XXXX	Cashout Refi	Owner Occ	56.84	56.84	60
RPL364	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   State - Missing Interest Rate Disclsoure [2]   State - Missing Application Disclosure [2]   State - Missing Notice of Expiration of Loan Commitment [2]   State - Missing Prevailing Commitment Disclosure [2]   State - Pre-Application Disclosure Statement [2]   State - Missing Lock-In Agreement [2]   State - Missing Affidavit of Compliance / Smoke Alarm [2]   State - Missing  Fair Credit Reporting Act Notice [2]   Initial TIL Missing				NY	XX/XX/XXXX	Purchase	Owner Occ	70.38	70.38
RPL5181	3	1			3	[3]   Finance Charge underdisclosed >$100 for Purchase	Finance charges under disclosed by $XX which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing TIL itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	CA	XX/XX/XXXX	Purchase	Owner Occ	95	95	32
RPL5246	3	3	[3]   Final Application Missing [3]   Missing Initial Application [2]   Affiliated Business Doc Missing		3	[3]   Finance Charge underdisclosed >$35 for Refinance [3]   APR Tolerance UnderDisclosed 0.125 [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Fair Lending Notice [2]   State - Missing Hazard Insurance Disclosure [2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Finance Lender Information Disclosure [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure [2]   Initial TIL Missing	APR under disclosed by 1.7983 which exceeds the .125 tolerance. Finance charges under disclosed by $XX which exceeds the $35 tolerance for refinance transactions. Lender TIL reflects decreasing payments for a Pay Right Rewards Program that assumes each payment will be made on time; however, audited TIL makes no assumption of on-time payments.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	CA	XX/XX/XXXX	Cashout Refi	Owner Occ	74.92	74.92
RPL5170	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		3	[3]   Finance Charge underdisclosed >$100 for Purchase [3]   Note P&I Does Not Equal Final TIL P&I [2]   Initial GFE Missing [2]   Initial TIL Missing [2]   State - Missing Notice to Purchaser-Mortgagor [2]   State - Missing Anti-Coercion Notice	Finance charges under disclosed by $XX which exceeds the $100 toelrance for purchase tranactions. The Lender's TIL reflects MI for the life of the loan, however, the calculated TIL indicates no MI on the loan. The Note reflects P&I of $XXX (+MI $10.45 = $XXX and the TIL reflects an initial P&I of $XXXwith no MI payment. Discrepancy appears to be due document error on TIL.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	FL	XX/XX/XXXX	Purchase	Owner Occ	95	95
RPL5185	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   State - Missing Insurance Disclsoure [2]   State - Missing Notice of Expiration of Loan Commitment [2]   State - Missing Prevailing Commitment Disclosure [2]   State - Missing Lock-In Agreement [2]   State - Missing Appraisal and Consumer Report Notice [2]   State - Missing  Borrower's Choice of Attorney Disclosure [2]   State - Missing  Fair Credit Reporting Act Notice [2]   Initial GFE Missing [2]   Initial TIL Missing				NY	XX/XX/XXXX	Purchase	Owner Occ	80	80	38.629
RPL5176	3	3	[3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)				NC	XX/XX/XXXX	Cashout Refi	Owner Occ	83.33	83.33	25.74
RPL5190	3	3	[3]   Missing Initial Application		3	[3]   State Late Charge Not Standard [2]   State - Missing Choice of Attorney disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)	Late charge fee of 5% exceeds the max allowed of 4% for the state North Carolina.			NC	XX/XX/XXXX	Cashout Refi	Owner Occ	85	85	35.24
RPL5175	3	3	[3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)				KY	XX/XX/XXXX	Cashout Refi	Owner Occ	70	70	25.35
RPL357	3	3	[3]   Final Application Missing [3]   No Net Tangible Benefit To Borrower [3]   Missing Initial Application	Unable to determine net tangible benefit due to missing previous note and payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.	2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date				TX	XX/XX/XXXX	Rate/Term Refi	Owner Occ	84.96	84.96	31.84
RPL5040	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Loan Origination and Compensation Agreement [2]   Initial GFE Missing [2]   Initial TIL Missing	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	MA	XX/XX/XXXX	Cashout Refi	Owner Occ	47.41	47.41	35.674
RPL207	3	3	[3]   Credit Report Missing [3]   Initial Application Unsigned		3	[3]   Finance Charge underdisclosed >$100 for Purchase [2]   Credit Score Disclosure Not Present [2]   State - Missing Loan Origination and Compensation Agreement [2]   State - Missing Childhood Lead Poisoning Prevention [2]   State - Missing Mortgage Loan Rate Lock Commitment [2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations [2]   State - Missing Carbon Monoxide Detector Certification and Indemnification Agreement [2]   State - Missing Fire Prevention / Smoke Detector Certification and Indemnification Agreement [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date	Finance charges under disclosed by $XXwhich exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	MA	XX/XX/XXXX	Purchase	Owner Occ	80	89.98	43.73
RPL361	3	3	[3]   Appraisal Missing [3]   Final Application Missing [3]   Credit Report Missing [3]   P&I stated and calculated exceeds tolerance 0.05 [3]   Missing Initial Application	P&I (XXX) exceeds standard variance (0.05) with calculated P&I (XXX) Current Variance: 0.87	3	[3]   TIL Missing [3]   HUD-1 Missing [2]   Affiliated Business Doc Missing [2]   Initial GFE Missing [2]   Initial TIL Missing		NO		TX	XX/XX/XXXX	Purchase	Owner Occ	72.73	72.73
RPL5184	3	3	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.	3	[3]   State Late Charge Not Standard [3]   Missing MA Borrower's Interest Worksheet [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Loan Application Supplemental Disclosure [2]   State - Missing Mortgage Loan Rate Lock Commitment [2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations	Late charge fee of 5% exceeds the max allowed of 3% for the state Massachusetts. MA Borrower's Interest worksheet missing from file.  Required for all MA Refinance of principal residence within 60 months of consummation of existing loan.		A violation may be used as a defense to foreclosure, as with many other issues. Before a borrower can allege a violation, the lender can require that the borrower give the lender notice and give the lender the option to resolve any issue. If this is done, and the borrower refuses the lender's offer to make the situation right, the borrower cannot recover costs and attorney's fees. The burden of proof as far as complying with the Borrowers' Interest standard is on the lender, but it appears there is minimal risk in a missing worksheet.	MA	XX/XX/XXXX	Cashout Refi	Owner Occ	55.9	55.9	32.95
RPL5168	3	3	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.	3	[3]   State Late Charge Not Standard [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)	Late charge fee of 5% exceeds the max allowed of 4% for the state of Mississippi.			MS	XX/XX/XXXX	Cashout Refi	Owner Occ	89.71	89.71	67.85
RPL5194	3	1			3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Insurance Disclsoure [2]   State - Missing Appraisal and Consumer Report Notice [2]   State - Missing  Borrower's Choice of Attorney Disclosure	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing TIL itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	NY	XX/XX/XXXX	Cashout Refi	Owner Occ	90	90	46.76
RPL360	3	3	[3]   Appraisal Missing [3]   Credit Report Missing		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   Initial GFE Missing [2]   Initial TIL Missing				UT	XX/XX/XXXX	Cashout Refi	Owner Occ	86.98	86.98	50.04
RPL366	3	3	[3]   Final Application Missing		2	[2]   Affiliated Business Doc Missing [2]   State - Missing Collateral Protection Insurance Notice [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement [2]   State - Missing Complaints and Inquiries Notice				TX	XX/XX/XXXX	Purchase	Owner Occ	100	100	45.84
RPL5159	3	3	[3]   Application Incomplete [3]   Initial Application Incomplete	Final application incomplete due to missing origination entity information. Initial application incomplete due to missing origination entity information.	2	[2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Application Disclosure				PA	XX/XX/XXXX	Cashout Refi	Investment Property	92.97	92.97	45
RPL363	3	3	[3]   Appraisal Incomplete [3]   Missing Initial Application	Appraisal incomplete due to missing recertification of value.	2	[2]   Initial TIL Missing				GA	XX/XX/XXXX	Rate/Term Refi	Owner Occ	98.57	98.57
RPL356	3	3	[3]   Appraisal Incomplete [3]   Missing Initial Application	Appraisal incomplete due to missing recertification of value.	2	[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing				PA	XX/XX/XXXX	Rate/Term Refi	Owner Occ	93.93	93.93
RPL384	3	3	[3]   Credit Report Missing [3]   Application Incomplete	Final application incomplete due to missing origination entity information.	2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure [2]   State - Missing Notice to Cosigner [2]   Initial TIL Missing				CA	XX/XX/XXXX	Cashout Refi	Owner Occ	89.97	89.97
RPL5196	3	3	[3]   Missing Title Evidence		3	[3]   ROR Missing [2]   State - Missing Rate Lock [2]   State - Missing Title Insurance Notice [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)			ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	TN	XX/XX/XXXX	Rate/Term Refi	Owner Occ	95.84	95.84	36.52
RPL381	3	3	[3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)				MS	XX/XX/XXXX	Purchase	Owner Occ	95	95	38.93
RPL380	3	3	[3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   Initial TIL Missing				CT	XX/XX/XXXX	Cashout Refi	Owner Occ	68	68	29.96
RPL5280	2	1			2	[2]   State - Missing Interest Rate Disclsoure [2]   State - Missing Notice of Expiration of Loan Commitment [2]   State - Missing Prevailing Commitment Disclosure [2]   State - Missing Appraisal and Consumer Report Notice [2]   State - Missing  Borrower's Choice of Attorney Disclosure				NY	XX/XX/XXXX	Cashout Refi	Owner Occ	80	94.65
RPL488	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   Affiliated Business Doc Missing [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial GFE Missing				GA	XX/XX/XXXX	Rate/Term Refi	Investment Property	80	80	20.7
RPL310	3	3	[3]   Appraisal Missing		2	[2]   State - Missing Borrower's Bill of Rights [2]   State - Missing Consumer Caution and Counseling Disclosure				MI	XX/XX/XXXX	Cashout Refi	Owner Occ	70	70	35.93
RPL388	3	3	[3]   Credit Report Missing [3]   Missing Initial Application [2]   Combined Orig LTV >100%		3	[3]   TIL Missing [2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Loan Agreement Rider [2]   State - Missing Collateral Protection Insurance Notice [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement [2]   Initial GFE Missing [2]   Initial TIL Missing		NO		TX	XX/XX/XXXX	Purchase	Owner Occ	40.95	102.93	31.47
RPL5282	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [3]   Construction Only Loan [2]   True Construction Loan		3	[3]   TIL Incomplete [2]   Affiliated Business Doc Missing [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure	Final TIL was signed by the borrower at closing, however, reflects estimated APR, finance charges, amount financed and total payment figures.	NO		PA	XX/XX/XXXX	Construction Only	Owner Occ	79.98	79.98	53.285
RPL5169	3	3	[3]   Credit Report Missing [3]   Application Incomplete	Final application incomplete due to missing origination entity information.	3	[3]   State Late Charge Not Standard [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)	Late charge fee of 5% exceeds the max allowed of 4% for the state of Mississippi.			MS	XX/XX/XXXX	Cashout Refi	Owner Occ	100	100	51.22
RPL377	3	3	[3]   Application Incomplete [3]   Note Incomplete	Final application incomplete due to missing origination entity information. Note in file is incomplete due to missing page 4 from file.	2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Agency to Receive Borrower Complaints [2]   Initial TIL Missing				SC	XX/XX/XXXX	Cashout Refi	Owner Occ	95	95	55.09
RPL372	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Application Disclosure [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure				GA	XX/XX/XXXX	Purchase	Owner Occ	95	95	34.33
RPL5161	3	3	[3]   Credit Report Missing [3]   Application Incomplete [2]   Manufactured (Double-Wide)	Incomplete Final Application due to missing origination entity information.	2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Agency to Receive Borrower Complaints [2]   Initial TIL Missing				SC	XX/XX/XXXX	Cashout Refi	Owner Occ	69.59	69.59	19.26
RPL362	3	3	[3]   Final Application Missing [3]   Missing Initial Application		3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	MO	XX/XX/XXXX	Cashout Refi	Owner Occ	100	100	50.73
RPL5163	3	1			3	[3]   Rescission Period under 3 days [2]   Affiliated Business Doc Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)	ROR executed by borrowers XX/XX/XXXX with expiration of rescission period noted as 11/14/2006, only providing borrower with a 2 day rescission period.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	MS	XX/XX/XXXX	Cashout Refi	Owner Occ	95	95	54.98
RPL385	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   Initial GFE Missing [2]   Initial TIL Missing				GA	XX/XX/XXXX	Cashout Refi	Owner Occ	66.4	66.4	28.36
RPL365	2	1			2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing				NC	XX/XX/XXXX	Rate/Term Refi	Owner Occ	85.02	85.02	15.51
RPL5182	3	3	[3]   Final Application Missing [3]   Missing Initial Application [2]   Only Preliminary Title in File		2	[2]   Affiliated Business Doc Missing [2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Domestic Partnership Affidavit [2]   State - Missing Condominium Earthquake Insurance Disclosure [2]   State - Missing Finance Lender Information Disclosure [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure [2]   State - Missing Loan Modification Disclosure [2]   State - Missing Notice to Cosigner [2]   State - Missing Home Equity Loan Disclosure [2]   State - Missing Waiver of Title Insurance Disclosure [2]   Initial GFE Missing				CA	XX/XX/XXXX	Rate/Term Refi	Owner Occ	80	95	42.977
RPL5166	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing				OK	XX/XX/XXXX	Cashout Refi	Owner Occ	85	85	43.29
RPL379	2	1			2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Statutory Authority Disclosure				OH	XX/XX/XXXX	Rate/Term Refi	Investment Property	79.91	79.91	38.42
RPL369	2	1			2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Commitment Letter				MT	XX/XX/XXXX	Rate/Term Refi	Investment Property	68.06	84.17	17.94
RPL5189	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   State - Missing Borrower Information Document [2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Loan Brokerage Disclosure Statement				IL	XX/XX/XXXX	Rate/Term Refi	Owner Occ	75	78.67	39.68
RPL5178	2	1			2	[2]   State - Missing Right to Choose Attorney or Title Insurance Company [2]   State - Missing Licensee Information or Affidavit of Exemption [2]   State - Missing Net Tangible Benefit Worksheet				MD	XX/XX/XXXX	Cashout Refi	Owner Occ	63.95	63.95	46.18
RPL5191	3	1			3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   HMDA-reportable rate spread (1/1/04-10/1/09)	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing attorney fee $100 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	NE	XX/XX/XXXX	Cashout Refi	Owner Occ	80	80	32.92
RPL5192	3	3	[3]   Credit Report Missing [3]   Application Incomplete	Incomplete final application due to missing origination entity information.	3	[3]   State Late Charge Not Standard [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present	Late charge fee of 5% exceeds the max allowed of 4% for the state of Mississippi.			MS	XX/XX/XXXX	Cashout Refi	Owner Occ	90	90
RPL375	3	3	[3]   Credit Report Missing [2]   Only Preliminary Title in File		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing				AL	XX/XX/XXXX	Cashout Refi	Owner Occ	78.97	78.97	27.27
RPL5283	1	1			1					OR	XX/XX/XXXX	Cashout Refi	Owner Occ	78.89	78.89	38.137
RPL5042	3	3	[3]   Credit Report Missing		3	[3]   Finance Charge underdisclosed >$100 for Purchase [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Loan Origination and Compensation Agreement [2]   State - Missing Childhood Lead Poisoning Prevention [2]   State - Missing Mortgage Loan Rate Lock Commitment [2]   State - Missing Carbon Monoxide Detector Certification and Indemnification Agreement [2]   State - Missing Fire Prevention / Smoke Detector Certification and Indemnification Agreement	Finance charges under disclosed by $XXwhich exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	MA	XX/XX/XXXX	Purchase	Owner Occ	80	95	34.71
RPL205	3	3	[3]   Credit Report Missing		3	[3]   Finance Charge underdisclosed >$100 for Purchase [2]   Credit Score Disclosure Not Present	Finance charges under disclosed by $XX which exceeds the $100 tolerance for purchase transactions. There is a Seller credit on page one of HUD for $5,000 which is not itemized therefore excluded.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	MA	XX/XX/XXXX	Purchase	Owner Occ	85	85
RPL211	3	3	[3]   Credit Report Missing		3	[3]   HUD-1 Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Attorney Disclosure [2]   State - Missing Insurance Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Domestic Partnership Affidavit [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Initial Tax Authorization Notice		NO		NJ	XX/XX/XXXX	Purchase	Owner Occ	95	95	40.75
RPL5041	3	3	[3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing				PA	XX/XX/XXXX	Purchase	Owner Occ	95	95
RPL209	3	3	[3]   Credit Report Missing		3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Credit Score Disclosure Not Present [2]   State - Missing Attorney Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Initial Tax Authorization Notice	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	NJ	XX/XX/XXXX	Cashout Refi	Owner Occ	69	69	48.8
RPL5158	3	3	[3]   Final Application Missing		2	[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Attorney General Information Statement [2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure [2]   Initial TIL Missing				OH	XX/XX/XXXX	Cashout Refi	Owner Occ	100	100	39.35
RPL376	2	1			2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing				LA	XX/XX/XXXX	Cashout Refi	Owner Occ	75	75	46.47
RPL359	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)				SC	XX/XX/XXXX	Cashout Refi	Owner Occ	79.35	79.35	38.647
RPL382	3	3	[3]   Application Incomplete [3]   Missing Initial Application	Final application incomplete due to missing origination entity information.	3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Notice of Residential Mortgage Loan Applicants [2]   State - Missing Form REW-4 / Notice of State Tax Withholding [2]   Initial GFE Missing [2]   Initial TIL Missing	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. TIL Itemization only disclosed escrow fees as $200 and HUD reflects $280 for escrow fees.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	ME	XX/XX/XXXX	Cashout Refi	Owner Occ	84.76	84.76	28.92
RPL383	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Broker Agreement [2]   State - Missing Lock In Agreement [2]   Initial GFE Missing [2]   Initial TIL Missing				FL	XX/XX/XXXX	Cashout Refi	Owner Occ	85	85	48.52
RPL374	3	3	[3]   Application Incomplete [3]   Missing Initial Application	Incomplete final application due to missing origination entity information.	3	[3]   HUD-1 Missing [2]   Affiliated Business Doc Missing [2]   Initial GFE Missing [2]   Initial TIL Missing		YES		OK	XX/XX/XXXX	Cashout Refi	Owner Occ	90	90	46.603
RPL5188	3	3	[3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing				TX	XX/XX/XXXX	Cashout Refi	Owner Occ	80	80	47.489
RPL387	3	3	[3]   Final Application Missing [3]   Missing Initial Application		2	[2]   Affiliated Business Doc Missing				CA	XX/XX/XXXX	Cashout Refi	Investment Property	47.06	47.06	16
RPL5197	2	1			2	[2]   Credit Score Disclosure Not Present [2]   State - Missing KY Fair Housing Law Disclosure [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Commitment Letter				KY	XX/XX/XXXX	Cashout Refi	Owner Occ	90	90	20.56
RPL5164	2	1			2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Initial TIL Missing				MI	XX/XX/XXXX	Cashout Refi	Owner Occ	100	100	34.83
RPL5173	2	1			2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)				IA	XX/XX/XXXX	Cashout Refi	Owner Occ	75	75	29.29
RPL5167	3	3	[3]   Missing Initial Application		3	[3]   HUD-1 Incomplete [2]   State - Missing Rate Lock [2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application [2]   Credit Score Disclosure Not Present	Final HUD not signed by the borrower or stamped by settlement agent.	NO		TN	XX/XX/XXXX	Purchase	Owner Occ	80	100	38.3
RPL386	3	3	[3]   Final Application Missing		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   Initial TIL Missing				NC	XX/XX/XXXX	Cashout Refi	Owner Occ	75	75	54.15
RPL378	3	3	[3]   Final Application Missing		2	[2]   Affiliated Business Doc Missing [2]   State - Missing Authorization to Complete Blank Spaces [2]   Initial TIL Missing				AZ	XX/XX/XXXX	Cashout Refi	Owner Occ	46.32	46.32	20.08
RPL367	3	3	[3]   Appraisal Missing [3]   Missing Initial Application		2	[2]   State - Missing Rate Lock Disclosure [2]   State - Missing Disclosure of Facts Material to the Borrower’s Decision, Rights or Interests [2]   State - Missing Disclosure of Mortgage Loan Compensation [2]   State - Missing Disclosure of Loans that Borrower Qualifies For [2]   State - Missing Mortgage Loan Summary [2]   Initial GFE Missing [2]   Initial TIL Missing				NM	XX/XX/XXXX	Cashout Refi	Owner Occ	65	65	26
RPL5171	3	3	[3]   Appraisal Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing				FL	XX/XX/XXXX	Cashout Refi	Owner Occ	61.81	61.81	41.109
RPL5172	3	3	[3]   Application Incomplete [3]   Missing Initial Application	Final application incomplete due to missing origination entity information.	3	[3]   State Late Charge Not Standard [3]   Finance Charge underdisclosed >$35 for Refinance [2]   Credit Score Disclosure Not Present [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement [2]   Initial GFE Missing [2]   Initial TIL Missing	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed. Late charge fee of 6% exceeds the max allowed of 5% for loans with a rate of less than 10% in the state of Texas.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	TX	XX/XX/XXXX	Cashout Refi	Owner Occ	88.52	88.52	48.55
RPL358	3	3	[3]   Mortgage/DOT Incomplete	Mortgage incomplete due to missing notary signature date.	2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)				AK	XX/XX/XXXX	Cashout Refi	Owner Occ	90	90
RPL5165	3	3	[3]   Application Incomplete [3]   No Net Tangible Benefit To Borrower	Final application incomplete due to missing number of years at present residence and rent indicated instead of own. Unable to determine net tangible benefit due to missing previous note and HUD for subject property.  Payoff statement shows a minimal decrease in rate from 9.75% to 9.66%.	2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)				IN	XX/XX/XXXX	Cashout Refi	Owner Occ	85	85	24.83
RPL5187	3	3	[3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Licensed Lenders Regulations Itemized Schedule of Charges [2]   State - Missing Broker Agreement [2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze [2]   Initial GFE Missing [2]   Initial TIL Missing				DE	XX/XX/XXXX	Cashout Refi	Owner Occ	85	85	49.72
RPL5281	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   State - Missing Commitment Letter [2]   Initial GFE Missing [2]   Initial TIL Missing				IL	XX/XX/XXXX	Cashout Refi	Owner Occ	77.36	77.36
RPL5139	3	3	[3]   Initial Application Unsigned		3	[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing	Finance charges under disclosed by $XXwhich exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose an tax service fee of $60 and courier fee of $25 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	IL	XX/XX/XXXX	Rate/Term Refi	Owner Occ	86.61	86.61	38.88
RPL5141	3	3	[3]   Appraisal Missing [3]   Missing Title Evidence [3]   Missing Initial Application		2	[2]   Affiliated Business Doc Missing [2]   State - Missing Borrower Information Document [2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Escrow Account Disclosure Agreement [2]   State - Missing Commitment Letter [2]   Initial GFE Incomplete [2]   Initial TIL Missing				IL	XX/XX/XXXX	Rate/Term Refi	Owner Occ	88.97	88.97	47.94
RPL337	3	3	[3]   Final Application Missing		3	[3]   Finance Charge underdisclosed >$100 for Purchase [3]   HUD-1 Incomplete [2]   State - Missing Borrower Information Document [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Collateral Protection Act Disclosure	FInance charges under disclosed by $XX which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed. HUD incomplete due to document imaging.	NO	Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	IL	XX/XX/XXXX	Purchase	Owner Occ	87.5	87.5	43
RPL5137	3	3	[3]   Appraisal Incomplete [3]   Missing Initial Application	Appraisal incomplete due to improper imaging resulting in the bottom portion of the document to be illegible.	3	[3]   ROR Missing [3]   Initial TIL Missing [3]   Final TIL Date < 6 Days Prior To Origination Date (Regular ARM) [2]   Loan is subject to IL Predatory Lending Database Program [2]   HMDA-reportable rate spread (10/1/09 and later) [2]   Affiliated Business Doc Missing [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure [2]   State - Missing Commitment Letter	Loan is subject to IL predatory Lending Database Program. Certificate of Exemption from IL predatory Lending Database Program found in file. The APR on the initial TIL (4.5882) is greater than .125 less than the APR on the Final TIL (5.739). The Final TIL is dated at closing (within 6 days), which is not allowed per new RegZ guidelines due to the spread of the APR's.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	IL	XX/XX/XXXX	Rate/Term Refi	Owner Occ	99.35	99.35
RPL5134	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Title Evidence		2	[2]   State - Missing Borrower Information Document [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Commitment Letter [2]   Initial GFE Missing [2]   Initial TIL Missing				IL	XX/XX/XXXX	Cashout Refi	Owner Occ	80	80	46
RPL5133	3	3	[3]   Missing Title Evidence		2	[2]   Initial GFE Missing [2]   Initial TIL Missing				IL	XX/XX/XXXX	Cashout Refi	Owner Occ	81.06	81.06	48.59
RPL347	3	3	[3]   Missing Initial Application		2	[2]   State - Missing Borrower Information Document [2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Application Disclosure Statement [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Commitment Letter [2]   Initial TIL Missing				IL	XX/XX/XXXX	Cashout Refi	Owner Occ	74.84	74.84	43
RPL312	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   State - Missing Loan Origination and Compensation Agreement [2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations [2]   State - Missing Carbon Monoxide Detector Certification and Indemnification Agreement [2]   State - Missing Fire Prevention / Smoke Detector Certification and Indemnification Agreement [2]   Initial GFE Missing [2]   Initial TIL Missing				MA	XX/XX/XXXX	Purchase	Owner Occ	80	100	44.17
RPL313	3	3	[3]   Final Application Missing [3]   Credit Report Missing		2	[2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   Initial TIL Missing				GA	XX/XX/XXXX	Cashout Refi	Owner Occ	99.6	99.6
RPL314	3	3	[3]   Credit Report Missing [3]   Application Incomplete [3]   Missing Initial Application	Incomplete final application due to missing origination entity information.	2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Agency to Receive Borrower Complaints [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Mortgage Broker Fee Agreement for Financial Services [2]   Initial TIL Missing				SC	XX/XX/XXXX	Cashout Refi	Owner Occ	79.53	79.53	59.48
RPL5124	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account [2]   State - Missing Hazard Insurance Disclosure [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Impound Authorization Disclosure [2]   Initial TIL Missing				CA	XX/XX/XXXX	Cashout Refi	Owner Occ	68.88	68.88	34.81
RPL5123	3	3	[3]   Missing Initial Application		2	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Finance Lender Information Disclosure [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing				CA	XX/XX/XXXX	Purchase	Owner Occ	79.95	79.95	43.17
RPL315	3	3	[3]   Final Application Missing [3]   Missing Initial Application [2]   Only Preliminary Title in File		2	[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Disclosure and Acknowledgment of Involvement and Fees Earned by Mortgage Broker				NV	XX/XX/XXXX	Cashout Refi	Owner Occ	65	65	36.16
RPL311	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application [2]   Manufactured (Double-Wide)		3	[3]   ROR Missing [2]   State - Missing Commitment Letter [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing Lock In Disclosure [2]   State - Missing Virginia Insurance Disclosure [2]   State - Missing signed Notice of Mortgage Broker Fee [2]   State - Missing Appraisal Notice [2]   Initial GFE Missing [2]   Initial TIL Missing			ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	VA	XX/XX/XXXX	Cashout Refi	Owner Occ	65	65
RPL316	3	1			3	[3]   Finance Charge underdisclosed >$100 for Purchase	Finance charges under disclosed by $XXwhich exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	IN	XX/XX/XXXX	Purchase	Owner Occ	97.65	97.65	31.63
RPL5125	3	3	[3]   Final Application Missing [3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   Credit Score Disclosure Not Present [2]   State - Missing Wet Settlement / Delivery of Net Proceeds Authorization [2]   State - Missing Disclosure of Seller-Paid Fees [2]   State - Missing Licensee Information or Affidavit of Exemption [2]   State - Missing Written Acknowledgement of Delivery of the Note [2]   Initial GFE Missing				MD	XX/XX/XXXX	Purchase	Investment Property	80	80	41.3
RPL164	3	3	[3]   Credit Report Missing [3]   Missing Initial Application		2	[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Residential Mortgage Loan Originator Disclosure [2]   State - Missing Loan Agreement Rider [2]   State - Missing Collateral Protection Insurance Notice [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement [2]   State - Missing Disclosure Statement Required for Residential Construction Contract [2]   Initial TIL Missing				TX	XX/XX/XXXX	Purchase	Owner Occ	95	95	29.46
RPL318	2	1			2	[2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Fair Lending Notice [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure [2]   Initial TIL Missing				CA	XX/XX/XXXX	Rate/Term Refi	Owner Occ	65.79	65.79	26