EX-99.2 3 ex99-2.htm AMC LOAN LEVEL EXCEPTION REPORT

CREDIT SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP. ABS-15G

Exhibit 99.2

Loan Level Exception Report

Run Date - 7/12/2021 1:48:07 PM

Unique ID

Borrower Name

Original Loan Amount

State

Note Date

Occupancy

Purpose

QM Status

Subject to Predatory - Unable to Test

Subject to Predatory Lending Flag

UAL State

Review Date

Overall Grade

Credit Grade

Property Grade

Compliance Grade

Active Material Exceptions

Active Non Material Exceptions

Satisfied Exceptions

Waived Exceptions

Cured Exceptions

Compensating Factors

Valuation Comments

General Comments

Primary Guideline

Loan Status

96400849

XXX

$XXX

7/XX/2007

Primary

Purchase

Yes

11/05/2016

Loan Review Complete

96400853

XXX

$XXX

12/XX/2006

Primary

Purchase

Yes

11/19/2016

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400850

XXX

$XXX

8/XX/2003

Primary

Purchase

Yes

11/19/2016

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Miscellaneous Compliance - Initial TIL not provided

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400851

XXX

$XXX

7/XX/2006

Primary

Purchase

11/19/2016

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and may not contain standard legal language.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400852

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/19/2016

Loan Review Complete

96400847

XXX

$XXX

8/XX/2006

Primary

Purchase

Yes

12/01/2016

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[1] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
REVIEWER - CLEARED COMMENT (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.

[1] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.
REVIEWER - CLEARED COMMENT (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.

[1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
REVIEWER - CLEARED COMMENT (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.

[1] Federal Compliance - Initial Loan Application Status Test No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 8/XX/2006 which is the consummation date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
REVIEWER - CLEARED COMMENT (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.

[1] Application / Processing - Missing Document: Missing Final 1003
REVIEWER - CLEARED COMMENT (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.

[1] Closing / Title - Missing Final HUD-1: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.

[1] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
REVIEWER - CLEARED COMMENT (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.

Loan Review Complete

96400249

XXX

$XXX

12/XX/2009

Primary

Purchase

12/06/2016

[3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

Loan Review Complete

96400873

XXX

$XXX

12/XX/2002

Primary

Refinance Cash-out - Other

Yes

02/22/2017

[3] Application / Processing - Missing Document: Missing Final 1003
EXCEPTION INFO: Missing final application.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
EXCEPTION INFO: GFE on page 7863 with no date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96400870

XXX

$XXX

9/XX/2013

Primary

Refinance Rate/Term

Yes

02/21/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) With Cure: RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96400872

XXX

$XXX

1/XX/2000

Primary

Refinance Cash-out - Debt Consolidation

Yes

02/21/2017

Loan Review Complete

96400874

XXX

$XXX

6/XX/2000

Primary

Refinance Cash-out - Debt Consolidation

Yes

02/22/2017

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96400871

XXX

$XXX

7/XX/2000

Primary

Refinance Cash-out - Other

Yes

02/21/2017

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96400867

XXX

$XXX

2/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/02/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 1/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 8/XX/2005.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96401040

XXX

$XXX

6/XX/2001

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/02/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - Initial TIL not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 5/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2000.

Loan Review Complete

96400750

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/02/2017

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 8/XX/2005, prior to three (3) business days from transaction date of 8/XX/2005.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400854

XXX

$XXX

8/XX/2007

Primary

Purchase

Yes

03/02/2017

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400700

XXX

$XXX

10/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/03/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Georgia Home Loan (Arbitration Clause): Georgia Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 9/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 4/XX/2004.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

Loan Review Complete

96400608

XXX

$XXX

2/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/03/2017

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400565

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/03/2017

[2] Closing / Title - Note Error: Note grace period days less than minimum per state
EXCEPTION INFO: In CA a late charge may not be assessed if the payment is made in full within 10 days after its due date

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96400969

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/02/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

Loan Review Complete

96400862

XXX

$XXX

6/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/02/2017

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

Loan Review Complete

96400938

XXX

$XXX

8/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/02/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - Initial TIL not provided

[2] State Compliance - Note Error: Note late charge percentage exceeds maximum per state
EXCEPTION INFO: Late charge not allowed per state (GA) - max late charge for GA loan is 5% - note states 10%. Lender is XXX.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400977

XXX

$XXX

12/XX/2003

Primary

Refinance Rate/Term

Yes

03/02/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

Loan Review Complete

96400861

XXX

$XXX

6/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/02/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: TIL in file indicated to be final but is not signed or dated by borrower so cannot confirm that borrower received.

Loan Review Complete

96400600

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/03/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 4/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400253

XXX

$XXX

10/XX/1998

Primary

Purchase

03/14/2017

Loan Review Complete

96400731

XXX

$XXX

12/XX/2000

Primary

Refinance Rate/Term

Yes

03/14/2017

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400725

XXX

$XXX

5/XX/1997

Primary

Refinance Cash-out - Other

Yes

03/14/2017

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400728

XXX

$XXX

2/XX/2000

Primary

Refinance Cash-out - Other

Yes

03/14/2017

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 1/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 1/XX/2000.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $49.98.
EXCEPTION INFO: Per itemization, $50 Courier fees were not included in the prepaid finance charges

Loan Review Complete

96400730

XXX

$XXX

12/XX/2000

Primary

Purchase

Yes

03/15/2017

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Miscellaneous Compliance - Initial TIL not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 6/XX/2000.

[2] State Compliance - Note Error: Note late charge percentage exceeds maximum per state
EXCEPTION INFO: Late fee charge not allowed per state (NY) – max late fee charge for NY loan is 2% – note states the greater of 5%.

Loan Review Complete

96400724

XXX

$XXX

4/XX/1997

Primary

Refinance Cash-out - Other

Yes

03/14/2017

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $83.30.
EXCEPTION INFO: TIL itemization did not disclose a settlement fee of $250 as a prepaid finance charge.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Loan Review Complete

96401065

XXX

$XXX

3/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/23/2017

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401066

XXX

$XXX

11/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/23/2017

Loan Review Complete

96401067

XXX

$XXX

3/XX/2006

Primary

Purchase

06/26/2017

Loan Review Complete

96401068

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/26/2017

Loan Review Complete

96400965

XXX

$XXX

11/XX/2007

Primary

Refinance Rate/Term

Yes

06/23/2017

Loan Review Complete

96401064

XXX

$XXX

2/XX/2010

Primary

Refinance Cash-out - Other

Yes

06/25/2017

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96400360

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

09/26/2017

Loan Review Complete

96400361

XXX

$XXX

3/XX/2004

Primary

Purchase

Yes

09/26/2017

[3] Government Documentation - Lead Based Paint Attachment - Attached to Purchase Contract is missing.: Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents)

[3] Insurance Documentation - Mortgage Insurance Certificate is missing.: Disclosure: FHA - Mortgage Insurance Certificate (Government Documents)

[2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.
EXCEPTION INFO: Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%

Loan Review Complete

96400362

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Other

Yes

09/26/2017

Loan Review Complete

96400364

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

10/10/2017

Loan Review Complete

96400837

XXX

$XXX

4/XX/2005

Primary

Purchase

Yes

10/10/2017

Loan Review Complete

96400838

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

10/10/2017

Loan Review Complete

96400839

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Other

Yes

10/11/2017

[1] Federal Compliance - Missing Final HUD-1: Illegible HUD-1 Used For Fee Testing: Missing Final HUD-1: Illegible HUD-1 used for any applicable Federal, State or Local compliance testing.
EXCEPTION INFO: Missing a complete copy of the final HUD-1, only page 1 provided.
REVIEWER - CLEARED COMMENT (2017-10-16): 10/XX/2017: Received a copy of the final HUD-1, clearing the exception.

Loan Review Complete

96400734

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

10/10/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400735

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

10/10/2017

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401088

XXX

$XXX

11/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

10/10/2017

Loan Review Complete

96400062

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

10/10/2017

Loan Review Complete

96401090

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/14/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Application / Processing - Missing Document: Missing Lender's Initial 1003

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $65.88.
EXCEPTION INFO: TIL itemization did not disclose an attorney fee of $150 as prepaid finance charge.

[1] Anti-Predatory Violation - Federal HOEPA Ability to Repay Reliable Documentation: Truth in Lending Act (HOEPA): Borrower’s ability to repay not verified with reliable documentation.
REVIEWER - CLEARED COMMENT (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue

[1] Anti-Predatory Violation - (Fed High Cost) Federal High-Cost Mortgage Loan (Calculated APR/Rate): Truth in Lending Act (HOEPA): APR Threshold is exceeded by .02710%. APR of 12.80710% exceeds a threshold of 12.78000% based on the US Treasury for comparable maturities of 4.78000% plus jurisdiction allowable margin of 8.00000%. Non-Compliant High Cost Loan.
REVIEWER - CLEARED COMMENT (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue

[1] Anti-Predatory Violation - (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee): Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold)
REVIEWER - CLEARED COMMENT (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue

[1] Anti-Predatory Violation - (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided): Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower
REVIEWER - CLEARED COMMENT (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue

[1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 4 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.
REVIEWER - CLEARED COMMENT (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue

[1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
REVIEWER - CLEARED COMMENT (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue

[1] State Compliance - (State High Cost) South Carolina High-Cost Loan (Calculated APR): South Carolina High-Cost and Consumer Home Loan Act: Loan is high-cost as APR Threshold is exceeded by .02710%. APR of 12.80710% exceeds a threshold of 12.78000% based on the US Treasury for comparable maturities of 4.78000% plus jurisdiction allowable margin of 8.00000%. Non-Compliant High Cost Loan.
REVIEWER - CLEARED COMMENT (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue

[1] State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
REVIEWER - CLEARED COMMENT (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue

[1] State Compliance - (State High Cost Provision) South Carolina High-Cost Loan (Ability to Repay not Verified): South Carolina High-Cost Loan: Borrower’s ability to repay not verified with reliable documentation.
REVIEWER - CLEARED COMMENT (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue

[1] State Compliance - (State High Cost Disclosure) South Carolina High-Cost Loan (Certification of Counseling): South Carolina High-Cost Loan: Evidence of Counseling Certification not in file.
REVIEWER - CLEARED COMMENT (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue

[1] State Compliance - (State High Cost Provision) South Carolina High-Cost Loan (Financed Fees Exceeds Threshold): South Carolina High-Cost Loan: Points and fees financed into loan exceed 2.5% of total loan amount.
REVIEWER - CLEARED COMMENT (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue

Loan Review Complete

96401091

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/10/2017

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401092

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/08/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - Initial TIL not provided

Loan Review Complete

96401093

XXX

$XXX

1/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/13/2017

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401094

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/13/2017

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96401095

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Other

Yes

11/13/2017

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400065

XXX

$XXX

12/XX/2005

Primary

Refinance Rate/Term

Yes

11/07/2017

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400066

XXX

$XXX

11/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/07/2017

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $153.26.
EXCEPTION INFO: TIL itemization did not disclose a title courier fee of $35 and a wire fee of $25 as prepaid finance charges. Also, Lender's TIL reflects MIP dropping off after 220 months, however, the audited TIL indicates MIP should drop off after 217 months.

Loan Review Complete

96400067

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/14/2017

Loan Review Complete

96400068

XXX

$XXX

5/XX/2008

Primary

Refinance Cash-out - Other

Yes

11/10/2017

Loan Review Complete

96400069

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/10/2017

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400046

XXX

$XXX

5/XX/2005

Primary

Purchase

12/12/2017

Loan Review Complete

96400030

XXX

$XXX

6/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

12/12/2017

[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.

Loan Review Complete

96400075

XXX

$XXX

1/XX/2003

Primary

Refinance Cash-out - Other

Yes

12/13/2017

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Title: Evidence of title is missing

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.33250% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[1] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.
REVIEWER - CLEARED COMMENT (2017-12-29): Received final HUD clearing issue

Loan Review Complete

96400160

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

12/13/2017

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400980

XXX

$XXX

9/XX/2006

Second Home

Purchase

12/13/2017

Loan Review Complete

96400296

XXX

$XXX

11/XX/2007

Primary

Refinance Rate/Term

Yes

01/14/2018

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received”

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96400491

XXX

$XXX

7/XX/2007

Primary

Refinance Rate/Term

Yes

01/14/2018

Loan Review Complete

96400490

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

01/14/2018

Loan Review Complete

96400492

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

01/14/2018

Loan Review Complete

96400287

XXX

$XXX

8/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

01/14/2018

Loan Review Complete

96400984

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

01/16/2018

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400985

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

01/16/2018

[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $130.08.
EXCEPTION INFO: The TIL itemization did not disclose the mobile home fee of $125 as a prepaid finance charge.

Loan Review Complete

96400986

XXX

$XXX

9/XX/2007

Primary

Purchase

01/16/2018

Loan Review Complete

96400987

XXX

$XXX

12/XX/2006

Primary

Purchase

01/16/2018

Loan Review Complete

96400293

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Other

Yes

01/15/2018

Loan Review Complete

96400294

XXX

$XXX

12/XX/2005

Primary

Purchase

01/15/2018

Loan Review Complete

96400295

XXX

$XXX

11/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

01/15/2018

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.18111% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.

Loan Review Complete

96400297

XXX

$XXX

6/XX/2007

Primary

Refinance Rate/Term

Yes

01/14/2018

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

Loan Review Complete

96400983

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Other

Yes

01/16/2018

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400281

XXX

$XXX

5/XX/2007

Primary

Refinance Rate/Term

Yes

01/15/2018

Loan Review Complete

96400282

XXX

$XXX

7/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

01/15/2018

[2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.

[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

Loan Review Complete

96400283

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Other

Yes

01/16/2018

[3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.

[2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $195.63.

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2018-01-23): Cleared by Estimated HUD provided

[1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
REVIEWER - CLEARED COMMENT (2018-01-23): Cleared by Estimated HUD provided

Loan Review Complete

96400284

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

01/15/2018

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400285

XXX

$XXX

10/XX/2003

Primary

Refinance Cash-out - Other

Yes

01/15/2018

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.04167% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96400286

XXX

$XXX

8/XX/2005

Primary

Purchase

Yes

01/15/2018

Loan Review Complete

96400288

XXX

$XXX

6/XX/2005

Primary

Purchase

Yes

01/15/2018

Loan Review Complete

96400289

XXX

$XXX

4/XX/2007

Primary

Refinance Rate/Term

Yes

01/15/2018

Loan Review Complete

96400290

XXX

$XXX

4/XX/2007

Second Home

Purchase

01/15/2018

Loan Review Complete

96400291

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

01/15/2018

Loan Review Complete

96400292

XXX

$XXX

12/XX/2007

Primary

Purchase

Yes

01/15/2018

Loan Review Complete

96400744

XXX

$XXX

7/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/11/2018

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Georgia Home Loan (Arbitration Clause): Georgia Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400174

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

03/13/2018

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400233

XXX

$XXX

6/XX/2004

Primary

Refinance Cash-out - Other

Yes

04/23/2018

Loan Review Complete

96400042

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

04/23/2018

Loan Review Complete

96400489

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

04/23/2018

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

Loan Review Complete

96401151

XXX

$XXX

8/XX/2006

Primary

Purchase

08/21/2018

Loan Review Complete

96401196

XXX

$XXX

7/XX/2006

Primary

Purchase

08/20/2018

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401206

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Other

Yes

08/20/2018

[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $9,454.82.
EXCEPTION INFO: Unable to determine under disclosure due to missing detailed itemization of amount financed. However, it appears to be due to index value. Lender approval in file reflects an index of 4.85%, the only index in the lookback period is 4.9%.

Loan Review Complete

96401134

XXX

$XXX

3/XX/2008

Primary

Refinance Rate/Term

Yes

08/20/2018

Loan Review Complete

96401136

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Other

Yes

08/20/2018

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $10,304.94.
EXCEPTION INFO: Closing instructions indicate the Index used was 2.78%. The lowest Index available within the look-back period is
2.89%.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401194

XXX

$XXX

5/XX/2007

Primary

Refinance Rate/Term

Yes

08/27/2018

Loan Review Complete

96401205

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

08/20/2018

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 5.06200% is underdisclosed from calculated APR of 5.38203% outside of 0.125% tolerance.
EXCEPTION INFO: Closing instructions indicate the Index used was 1.8360 %. The closest Index available in our look-back period is 2.1633%

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $40,217.60.
EXCEPTION INFO: Closing instructions indicate the Index used was 1.8360 %. The closest Index available in our look-back period is 2.1633%

Loan Review Complete

96401189

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

08/20/2018

Loan Review Complete

96401132

XXX

$XXX

7/XX/2007

Investment

Refinance Cash-out - Debt Consolidation

08/20/2018

Loan Review Complete

96400549

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Other

Yes

08/20/2018

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $4,282.69.
EXCEPTION INFO: Under-disclosure appears to be due to ARM index. Lowest index within look back period is 4.9%.

Loan Review Complete

96400182

XXX

$XXX

6/XX/2000

Primary

Purchase

08/19/2018

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400760

XXX

$XXX

4/XX/2009

Primary

Refinance Rate/Term

Yes

08/30/2018

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - (Missing Data) Last Rate Set Date : Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2009, prior to three (3) business days from transaction date of 04/XX/2009.

Loan Review Complete

96400722

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

08/30/2018

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.51786% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.

Loan Review Complete

96400892

XXX

$XXX

4/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

08/30/2018

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400763

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

08/30/2018

Loan Review Complete

96400423

XXX

$XXX

9/XX/2004

Primary

Refinance Cash-out - Other

Yes

08/30/2018

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400896

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Other

Yes

08/30/2018

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.00000% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400417

XXX

$XXX

1/XX/2004

Primary

Purchase

Yes

08/30/2018

Loan Review Complete

96400909

XXX

$XXX

7/XX/2004

Primary

Refinance Rate/Term

Yes

08/30/2018

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2004, prior to three (3) business days from transaction date of 07/XX/2004.

Loan Review Complete

96400425

XXX

$XXX

2/XX/2005

Primary

Refinance Rate/Term

Yes

08/30/2018

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.22019% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005.

Loan Review Complete

96400914

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

08/30/2018

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.10245% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400716

XXX

$XXX

10/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

08/30/2018

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400894

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

08/30/2018

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400890

XXX

$XXX

11/XX/2002

Primary

Refinance Cash-out - Other

Yes

08/30/2018

[3] Application / Processing - Missing Document: Missing Final 1003

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2002.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2002, prior to three (3) business days from transaction date of 11/XX/2002.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400422

XXX

$XXX

11/XX/2005

Primary

Refinance Rate/Term

Yes

08/30/2018

[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.01816% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400766

XXX

$XXX

1/XX/2006

Primary

Refinance Rate/Term

Yes

08/31/2018

Loan Review Complete

96400718

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Other

Yes

08/30/2018

Loan Review Complete

96400307

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

08/30/2018

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400891

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

08/30/2018

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400887

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

08/30/2018

Loan Review Complete

96400918

XXX

$XXX

1/XX/2006

Investment

Refinance Cash-out - Other

08/30/2018

Loan Review Complete

96400720

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Other

Yes

08/30/2018

[3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.

Loan Review Complete

96400946

XXX

$XXX

3/XX/2006

Investment

Refinance Cash-out - Other

11/20/2018

Loan Review Complete

96400769

XXX

$XXX

3/XX/2010

Primary

Refinance Cash-out - Other

Yes

11/25/2018

[2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.
EXCEPTION INFO: 5% late charge exceeds 2% maximum per state

Loan Review Complete

96400767

XXX

$XXX

10/XX/1999

Primary

Purchase

11/25/2018

Loan Review Complete

96400768

XXX

$XXX

9/XX/2008

Primary

Refinance Rate/Term

Yes

11/25/2018

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400770

XXX

$XXX

6/XX/2006

Primary

Refinance UTD

Yes

11/25/2018

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400771

XXX

$XXX

8/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/25/2018

Loan Review Complete

96400772

XXX

$XXX

6/XX/2007

Primary

Purchase

Yes

11/25/2018

[3] Government Documentation - Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents)

[3] Government Documentation - Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents)

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Loan Review Complete

96400773

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/25/2018

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400940

XXX

$XXX

8/XX/2006

Investment

Purchase

11/25/2018

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

Loan Review Complete

96400941

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

11/25/2018

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.55923% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.

Loan Review Complete

96400944

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Other

Yes

11/25/2018

[3] Application / Processing - Missing Document: Missing Final 1003

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2018-12-20): 12.20.2018: Received trailing documentation clearing the exception.

[1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
REVIEWER - CLEARED COMMENT (2018-12-20): 12.20.2018: Received trailing documentation clearing the exception.

Loan Review Complete

96400945

XXX

$XXX

7/XX/2013

Primary

Purchase

Yes

11/25/2018

[2] Federal Compliance - Federal HPML 2009 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.17175% or Final Disclosure APR of 5.16900% is in excess of allowable threshold of APOR 3.41% + 1.5%, or 4.91000%. Compliant Higher Priced Mortgage Loan.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - TIL-MDIA 2009 Three Day Waiting Period Irregular Transaction: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

Loan Review Complete

96400942

XXX

$XXX

9/XX/2016

Primary

Purchase

HUD Safe Harbor QM

Yes

11/26/2018

[3] Guideline Issue - FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.: Borrower's total contribution is XXX% ($XXX).
EXCEPTION INFO: The borrower paid $2,709.09 at closing, EMD was $500 and Adjustments for Items Unpaid by Seller was $303.82. This totals $3,512.91 versus 3.5% at $3,675.

[3] Application / Processing - Missing Document: Fraud Report not provided

[2] Credit Eligibility - Public Record Issue:: Credit Report: Original // Public Record Type: Judgments / Balance: XXX
EXCEPTION INFO: Credit shows $XXX judgment. Per AUS all judgments needed to be satisfied; no proof this one was. Setting exception.

[2] Federal Compliance - TRID Final Closing Disclosure With Seller - Cash To Close: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2016 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (Final/09/XX/2016)
EXCEPTION INFO: The Cash to Close field reflected $$2,709.09 versus 3,316.73.

[2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2016)
EXCEPTION INFO: An amount of $5 was reflected versus the actual amount.

[2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Initial/08/XX/2016)
EXCEPTION INFO: The initial CD was dated 01/XX/2016 that was prior to the Loan Estimate.

[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,623.26 exceeds tolerance of $1,139.00 plus 10% or $1,252.90. Insufficient or no cure was provided to the borrower. (0)
EXCEPTION INFO: A cure was not provided for the amount exceeding the tolerance.

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $55.00 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. (7520)
EXCEPTION INFO: Erroneous Exception. A $5 cure was paid to the borrower.

#REF!

XXX

Loan Review Complete

96400943

XXX

$XXX

11/XX/2016

Primary

Purchase

HUD Safe Harbor QM

Yes

11/26/2018

[3] Insurance Analysis - The Hazard Insurance Policy effective date is after the Transaction Date.: Hazard Insurance Policy Effective Date 11/XX/2016, Transaction Date: 11/XX/2016
EXCEPTION INFO: Insurance policy reflects the insured effective date of 11/XX/16 with the closing date of 11/XX/16. There is a lapse in coverage dates.

[2] Federal Compliance - TRID Closing Disclosure Total Closing Costs Exceeds Limits Amount: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on 11/XX/2016 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Initial/11/XX/2016)
EXCEPTION INFO: Closing Disclosure provided on 11/XX/2016 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table.

[2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/XX/2016)
EXCEPTION INFO: Final Closing Disclosure provided on 11/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.

[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/11/XX/2016)
EXCEPTION INFO: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $55.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75199)
EXCEPTION INFO: .

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7561)
EXCEPTION INFO: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Update. Fee Amount of $55.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75231)
EXCEPTION INFO: Zero Percent Fee Tolerance exceeded for Title - Title Update. Fee Amount of $55.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75188)
EXCEPTION INFO: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.

XXX

Loan Review Complete

96400274

XXX

$XXX

4/XX/2016

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 09/XX/2009
Disaster End Date: 10/XX/2009

[3] Application / Processing - Missing Document: Fraud Report not provided

[3] Appraisal Reconciliation - Missing secondary valuation product required for securitization.

[3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXX

[2] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 04/XX/2016 disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. (Final/04/XX/2016)
EXCEPTION INFO: Final disclosure reflects total cash to close in the calculating cash to close section of $-250.00, the summary of transactions reflects $459.66

[2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2016)
EXCEPTION INFO: Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing

[2] Federal Compliance - TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure.
EXCEPTION INFO: A copy of the Servicing Disclosure was not provided.

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $367.50 exceeds tolerance of $363.00. Insufficient or no cure was provided to the borrower. (8304)
EXCEPTION INFO: ce.Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $367.50 exceeds tolerance of $363.00. Missing proof of valid change, insufficient or no cure was provided to the borrower.

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $305.33 exceeds tolerance of $303.00. Insufficient or no cure was provided to the borrower. (7200)
EXCEPTION INFO: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $305.33 exceeds tolerance of $303.00. Missing proof of valid change, insufficient or no cure was provided to the borrower.

#REF!

XXX

Loan Review Complete

96400109

XXX

$XXX

7/XX/2004

Primary

Purchase

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

Loan Review Complete

96400456

XXX

$XXX

12/XX/2004

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.

[2] State Compliance - North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state.
EXCEPTION INFO: Late charge not allowed per state (NC) - max late charge for NC is 4% - note states 5%.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400311

XXX

$XXX

8/XX/2002

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400443

XXX

$XXX

7/XX/2004

Primary

Purchase

Loan Review Complete

96400115

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400321

XXX

$XXX

6/XX/2003

Primary

Purchase

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.

Loan Review Complete

96400458

XXX

$XXX

12/XX/2004

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2004

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96400206

XXX

$XXX

6/XX/2005

Primary

Purchase

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided

Loan Review Complete

96400113

XXX

$XXX

12/XX/2005

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400324

XXX

$XXX

8/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Credit Documentation - Missing Document: Credit Report not provided

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Not Charged for Actual Amounts of Third Party Fees): Michigan Consumer Mortgage Protection Act: Borrower charged for products or services not provided or not charged actual amount for third party fee.

Loan Review Complete

96400359

XXX

$XXX

5/XX/2005

Primary

Purchase

Loan Review Complete

96400452

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400103

XXX

$XXX

4/XX/2004

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Credit Documentation - Missing Document: Credit Report not provided

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400205

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400097

XXX

$XXX

12/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96400212

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Other

Yes

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400472

XXX

$XXX

8/XX/2005

Primary

Purchase

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96400320

XXX

$XXX

6/XX/2003

Investment

Refinance Rate/Term

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400445

XXX

$XXX

10/XX/2004

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

Loan Review Complete

96400442

XXX

$XXX

8/XX/2004

Primary

Purchase

Yes

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $665.38.
EXCEPTION INFO: Closing instructions indicate the Index used was 2.088%. The closest Index available in our look-back period is 2.25%

Loan Review Complete

96400474

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400473

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400342

XXX

$XXX

2/XX/2005

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400998

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400108

XXX

$XXX

6/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400346

XXX

$XXX

2/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005.

Loan Review Complete

96400202

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400208

XXX

$XXX

6/XX/2005

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

Loan Review Complete

96400454

XXX

$XXX

12/XX/2004

Primary

Purchase

Yes

Loan Review Complete

96400352

XXX

$XXX

3/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400322

XXX

$XXX

6/XX/2003

Investment

Refinance Rate/Term

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400104

XXX

$XXX

4/XX/2004

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400475

XXX

$XXX

9/XX/2005

Primary

Purchase

Loan Review Complete

96400317

XXX

$XXX

5/XX/2003

Primary

Purchase

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400120

XXX

$XXX

1/XX/2006

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400928

XXX

$XXX

10/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96400476

XXX

$XXX

9/XX/2005

Second Home

Refinance Cash-out - Debt Consolidation

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400996

XXX

$XXX

3/XX/2006

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400357

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

Loan Review Complete

96400323

XXX

$XXX

6/XX/2003

Investment

Refinance Cash-out - Other

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400114

XXX

$XXX

1/XX/2006

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400457

XXX

$XXX

1/XX/2005

Primary

Purchase

Yes

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96400356

XXX

$XXX

3/XX/2005

Primary

Refinance Rate/Term

Yes

[3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.

[2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 5.57900% is underdisclosed from calculated APR of 5.84861% outside of 0.125% tolerance.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $8,498.27.
EXCEPTION INFO: TIL itemization did not disclose a courier fee of $5.78, signing fee of $225 and a flood cert fee of $2 as prepaid finance charges. Closing instructions indicate the Index used was 2.72%. The lowest Index available within the look-back period is 3.28%.

Loan Review Complete

96400440

XXX

$XXX

7/XX/2004

Investment

Refinance Cash-out - Debt Consolidation

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400210

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400319

XXX

$XXX

6/XX/2003

Investment

Refinance Cash-out - Other

Loan Review Complete

96400101

XXX

$XXX

3/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400314

XXX

$XXX

1/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002.

Loan Review Complete

96400347

XXX

$XXX

3/XX/2005

Primary

Purchase

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

Loan Review Complete

96400450

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

Loan Review Complete

96400204

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $270.75.
EXCEPTION INFO: The under disclosure is due to the TIL itemization including $50 Attorney Fee, $82 Settlement Agent/Escrow fee, $12 Settlement Agent/Escrow fee but not including $404/64 mortgage insurance reserves. The loan has TAMI so no monthly MI was required. The Closing Instructions show that the $404.64 was to be Flood Insurance reserves. However, the HUD showed the Flood Insurance reserves of $404.64 as Mortgage Insurance reserves.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Loan Review Complete

96400661

XXX

$XXX

5/XX/2006

Investment

Purchase

Loan Review Complete

96400478

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400203

XXX

$XXX

5/XX/2005

Primary

Purchase

Yes

Loan Review Complete

96400111

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400449

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $238.37.
EXCEPTION INFO: TIL itemization did not disclose recording service fee of $18.50, a Settlement fee of $150, a courier fee of $45, or a wire fee of $25 as prepaid finance charges.

Loan Review Complete

96400354

XXX

$XXX

4/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400106

XXX

$XXX

4/XX/2004

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400453

XXX

$XXX

12/XX/2004

Second Home

Purchase

Loan Review Complete

96400470

XXX

$XXX

7/XX/2005

Primary

Purchase

Loan Review Complete

96400112

XXX

$XXX

11/XX/2005

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400345

XXX

$XXX

3/XX/2005

Primary

Purchase

Yes

Loan Review Complete

96400444

XXX

$XXX

10/XX/2004

Second Home

Purchase

[3] Insurance Eligibility - MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD.

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400340

XXX

$XXX

2/XX/2005

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

Loan Review Complete

96400446

XXX

$XXX

10/XX/2004

Primary

Purchase

Loan Review Complete

96400310

XXX

$XXX

7/XX/2002

Primary

Purchase

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $193.99.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

Loan Review Complete

96400441

XXX

$XXX

8/XX/2004

Primary

Purchase

Loan Review Complete

96400095

XXX

$XXX

10/XX/2003

Primary

Refinance Cash-out - Other

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400448

XXX

$XXX

11/XX/2004

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400343

XXX

$XXX

2/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400447

XXX

$XXX

10/XX/2004

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400211

XXX

$XXX

6/XX/2005

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400341

XXX

$XXX

2/XX/2005

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400312

XXX

$XXX

8/XX/2002

Primary

Purchase

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400315

XXX

$XXX

3/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002.

Loan Review Complete

96400122

XXX

$XXX

2/XX/2006

Primary

Purchase

Yes

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

Loan Review Complete

96400358

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.

[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400339

XXX

$XXX

1/XX/2005

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400353

XXX

$XXX

3/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400455

XXX

$XXX

11/XX/2004

Primary

Purchase

Loan Review Complete

96400948

XXX

$XXX

4/XX/1998

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400102

XXX

$XXX

3/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400099

XXX

$XXX

2/XX/2004

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400316

XXX

$XXX

3/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400344

XXX

$XXX

2/XX/2005

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400313

XXX

$XXX

9/XX/2002

Investment

Purchase

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Credit Documentation - Purchase contract date not provided.

[3] General Appraisal Requirements - Valuation Error: Valuation report date was not provided.

[3] General Appraisal Requirements - Valuation Error: Valuation report date was not provided.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumption of 100%" - Validation if the "No Value Provided

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2002.

Loan Review Complete

96400262

XXX

$XXX

11/XX/2006

Primary

Purchase

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400947

XXX

$XXX

3/XX/1998

UTD

UTD UTD

UTD

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1998 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96401000

XXX

$XXX

4/XX/2006

Second Home

Purchase

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 04/XX/2006

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] General - Incomplete Document: 1003 Initial - Lender's is incomplete
EXCEPTION INFO: Declarations section not completed.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,269.37.
EXCEPTION INFO: Finance charges under disclosed by $1,269.37 which exceeds the $100 tolerance for a Purchase transaction. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. There is a Seller credit on page one of HUD for $4,000 which is not itemized therefore excluded. There is a Lender credit on line 208 for $2,35 which is un-itemized therefore excluded.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96400350

XXX

$XXX

3/XX/2005

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96400096

XXX

$XXX

12/XX/2003

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96400477

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

Loan Review Complete

96400100

XXX

$XXX

2/XX/2004

Primary

Refinance Rate/Term

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400951

XXX

$XXX

8/XX/2001

Primary

UTD UTD

UTD

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2001 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400689

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400098

XXX

$XXX

1/XX/2004

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400107

XXX

$XXX

5/XX/2004

Second Home

Purchase

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided

Loan Review Complete

96400207

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400338

XXX

$XXX

1/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400349

XXX

$XXX

3/XX/2005

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 03/XX/2005

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

Loan Review Complete

96400309

XXX

$XXX

7/XX/2002

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2002

Loan Review Complete

96400094

XXX

$XXX

10/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 09/XX/2003

Loan Review Complete

96400209

XXX

$XXX

7/XX/2005

Primary

Purchase

Loan Review Complete

96400949

XXX

$XXX

4/XX/2000

Primary

Purchase

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400471

XXX

$XXX

9/XX/2005

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400105

XXX

$XXX

4/XX/2004

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96400318

XXX

$XXX

6/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400691

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400991

XXX

$XXX

10/XX/2006

Primary

Purchase

Loan Review Complete

96400924

XXX

$XXX

10/XX/2006

Primary

Purchase

Loan Review Complete

96401005

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96400267

XXX

$XXX

12/XX/2006

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400999

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Loan Review Complete

96400660

XXX

$XXX

4/XX/2006

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $51.79.
EXCEPTION INFO: Title courier fee not disclosed to the borrower on the TiL as a finance charge.

[2] State Compliance - Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.

Loan Review Complete

96400955

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400260

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $65.69.
EXCEPTION INFO: The Lender's TIL reflects MI dropping off after 89 months, however, the audited TIL indicates MI should drop off after 90 months.

Loan Review Complete

96400264

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400952

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Home Improvement

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401003

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400671

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.

Loan Review Complete

96400923

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400259

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400121

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400956

XXX

$XXX

12/XX/2006

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400926

XXX

$XXX

11/XX/2006

Second Home

Refinance Cash-out - Debt Consolidation

Loan Review Complete

96400664

XXX

$XXX

5/XX/2006

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400479

XXX

$XXX

10/XX/2005

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400683

XXX

$XXX

7/XX/2006

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400922

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400119

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Other

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96400258

XXX

$XXX

10/XX/2006

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400997

XXX

$XXX

4/XX/2006

Primary

Purchase

Loan Review Complete

96400263

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.

Loan Review Complete

96400110

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96400116

XXX

$XXX

1/XX/2006

UTD

Refinance UTD

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400919

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400690

XXX

$XXX

7/XX/2006

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400662

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401006

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Other

Yes

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96400694

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400666

XXX

$XXX

6/XX/2006

Primary

Purchase

Loan Review Complete

96400668

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.

Loan Review Complete

96400672

XXX

$XXX

7/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401002

XXX

$XXX

4/XX/2006

Primary

Refinance Rate/Term

Tested

Yes

[3] Closing / Title - (Doc Error) HUD Error: Disbursement date is earlier than final TIL signature date.
EXCEPTION INFO: Verified missing disbursement date

[3] Closing / Title - (Doc Error) HUD Error: Disbursement date is earlier than notary/security instrument date.
EXCEPTION INFO: .

[3] Closing / Title - (Doc Error) HUD Error: Disbursement date is earlier than note date.

Loan Review Complete

96400685

XXX

$XXX

6/XX/2006

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400994

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401001

XXX

$XXX

4/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96400665

XXX

$XXX

6/XX/2006

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400693

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.

Loan Review Complete

96400686

XXX

$XXX

8/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96400481

XXX

$XXX

12/XX/2005

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400684

XXX

$XXX

7/XX/2006

Primary

Purchase

Loan Review Complete

96400117

XXX

$XXX

1/XX/2006

Primary

Purchase

Loan Review Complete

96400687

XXX

$XXX

6/XX/2006

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400201

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401007

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96400216

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400430

XXX

$XXX

7/XX/2007

Primary

Purchase

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided

Loan Review Complete

96400134

XXX

$XXX

2/XX/2007

Primary

Refinance UTD

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400995

XXX

$XXX

2/XX/2006

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400460

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400439

XXX

$XXX

7/XX/2007

Primary

Purchase

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2007

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400669

XXX

$XXX

7/XX/2006

Primary

Purchase

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400621

XXX

$XXX

5/XX/2007

Investment

Refinance Cash-out - Other

Loan Review Complete

96400118

XXX

$XXX

1/XX/2006

UTD

UTD UTD

UTD

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

Loan Review Complete

96400645

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400223

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 09/XX/2007

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.

Loan Review Complete

96400776

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401008

XXX

$XXX

4/XX/2007

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400336

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400197

XXX

$XXX

7/XX/2007

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401013

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400229

XXX

$XXX

11/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

Loan Review Complete

96400432

XXX

$XXX

7/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96400459

XXX

$XXX

8/XX/2007

Primary

Purchase

Yes

[2] Application / Processing - Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 08/XX/2007

Loan Review Complete

96400792

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96400463

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400629

XXX

$XXX

6/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400782

XXX

$XXX

1/XX/2007

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.

[2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.

[2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $58.67.
EXCEPTION INFO: TIL itemization did not disclose a closing protection letter fee of $35 and a courier fee of $20 as prepaid finance charges.

Loan Review Complete

96400200

XXX

$XXX

7/XX/2007

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400325

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.

[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Loan Review Complete

96400435

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Other

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96400333

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400622

XXX

$XXX

6/XX/2007

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96400779

XXX

$XXX

3/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400620

XXX

$XXX

4/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400048

XXX

$XXX

3/XX/2008

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400130

XXX

$XXX

4/XX/2007

Primary

Purchase

Loan Review Complete

96400925

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $77.60.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96400136

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400139

XXX

$XXX

3/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400261

XXX

$XXX

10/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96400791

XXX

$XXX

3/XX/2007

Primary

Purchase

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96401010

XXX

$XXX

4/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $163.81.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

Loan Review Complete

96400326

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400788

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.

Loan Review Complete

96400329

XXX

$XXX

6/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96401009

XXX

$XXX

4/XX/2006

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400464

XXX

$XXX

9/XX/2007

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Loan Review Complete

96400953

XXX

$XXX

12/XX/2006

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400993

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Other

Yes

[2] Miscellaneous Compliance - Missing Affiliated Business Arrangement Disclosure and fee(s) were paid to affiliate.

Loan Review Complete

96400266

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401014

XXX

$XXX

5/XX/2007

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400331

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96400619

XXX

$XXX

5/XX/2007

Primary

Purchase

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96400137

XXX

$XXX

3/XX/2007

Primary

Purchase

Loan Review Complete

96400335

XXX

$XXX

6/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400961

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Other

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.

Loan Review Complete

96400921

XXX

$XXX

9/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96400778

XXX

$XXX

2/XX/2007

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.

Loan Review Complete

96400433

XXX

$XXX

7/XX/2007

Primary

Purchase

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

Loan Review Complete

96400125

XXX

$XXX

2/XX/2007

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96400140

XXX

$XXX

4/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400461

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400131

XXX

$XXX

1/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400626

XXX

$XXX

7/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400627

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400783

XXX

$XXX

2/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400438

XXX

$XXX

7/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96400127

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.

Loan Review Complete

96400429

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Document Error - Missing Documentation: Complete non-subject financing information was not found in file.: Lien Position: 2 Non-subject loan terms = Loan Amount: $XXX; Concurrent or Existing Lien: Simultaneous Lien; Current P&I: ; Current Balance: $XXX

[3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.

Loan Review Complete

96400049

XXX

$XXX

4/XX/2008

Primary

Refinance Cash-out - Other

Yes

[2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.

[2] State Compliance - Colorado Home Loan (Ability to Repay not Verified): Colorado Home Loan (HB1322): Borrower’s ability to repay not verified with reliable documentation.

[2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400790

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400631

XXX

$XXX

6/XX/2007

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400328

XXX

$XXX

5/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96400128

XXX

$XXX

12/XX/2006

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401020

XXX

$XXX

11/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400954

XXX

$XXX

12/XX/2006

Investment

Refinance Rate/Term

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Miscellaneous Compliance - Missing Affiliated Business Arrangement Disclosure and fee(s) were paid to affiliate.

Loan Review Complete

96400777

XXX

$XXX

12/XX/2006

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400927

XXX

$XXX

10/XX/2006

Primary

Purchase

Yes

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96400630

XXX

$XXX

6/XX/2007

Primary

Purchase

Loan Review Complete

96400228

XXX

$XXX

1/XX/2008

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $79.09.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed

Loan Review Complete

96401011

XXX

$XXX

4/XX/2007

Investment

Refinance Rate/Term

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96400126

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96400124

XXX

$XXX

3/XX/2007

Primary

Purchase

[3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $659.07.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

Loan Review Complete

96400332

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401017

XXX

$XXX

11/XX/2007

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Loan Review Complete

96400469

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400958

XXX

$XXX

12/XX/2006

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400213

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400786

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400784

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400327

XXX

$XXX

4/XX/2007

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400268

XXX

$XXX

11/XX/2006

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400785

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400434

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400774

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

Loan Review Complete

96401028

XXX

$XXX

1/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400217

XXX

$XXX

10/XX/2007

Second Home

Purchase

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96400437

XXX

$XXX

6/XX/2007

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400279

XXX

$XXX

6/XX/2003

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400199

XXX

$XXX

7/XX/2007

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400225

XXX

$XXX

1/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

Loan Review Complete

96401025

XXX

$XXX

12/XX/2007

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400226

XXX

$XXX

12/XX/2007

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

Loan Review Complete

96400797

XXX

$XXX

12/XX/2005

Primary

Purchase

Loan Review Complete

96400628

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400224

XXX

$XXX

11/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400466

XXX

$XXX

9/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400583

XXX

$XXX

9/XX/2004

Primary

Purchase

Yes

Loan Review Complete

96400589

XXX

$XXX

2/XX/2005

Primary

Purchase

Yes

Loan Review Complete

96400230

XXX

$XXX

12/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401027

XXX

$XXX

12/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400810

XXX

$XXX

1/XX/2006

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400804

XXX

$XXX

12/XX/2012

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $162.08.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of amount financed.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96401021

XXX

$XXX

12/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401022

XXX

$XXX

11/XX/2007

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400056

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400196

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400592

XXX

$XXX

7/XX/2005

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400462

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400590

XXX

$XXX

3/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400275

XXX

$XXX

5/XX/2002

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400214

XXX

$XXX

9/XX/2007

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400624

XXX

$XXX

5/XX/2007

Primary

Purchase

Loan Review Complete

96400231

XXX

$XXX

12/XX/2007

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400560

XXX

$XXX

6/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2008.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400222

XXX

$XXX

9/XX/2007

Primary

Purchase

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400054

XXX

$XXX

5/XX/2008

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401016

XXX

$XXX

11/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400793

XXX

$XXX

2/XX/2007

Primary

Purchase

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400277

XXX

$XXX

5/XX/2003

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400330

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.

Loan Review Complete

96400636

XXX

$XXX

11/XX/2006

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

Loan Review Complete

96400625

XXX

$XXX

5/XX/2007

Primary

Purchase

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96401015

XXX

$XXX

3/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96400334

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400815

XXX

$XXX

8/XX/2006

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400594

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

Loan Review Complete

96400467

XXX

$XXX

8/XX/2007

Primary

Purchase

Loan Review Complete

96400232

XXX

$XXX

2/XX/2008

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400595

XXX

$XXX

9/XX/2005

UTD

UTD UTD

UTD

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

[3] Closing / Title - (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I: Note P&I of $1,451.61 does not match Calculated P&I of $1,463.85

[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400272

XXX

$XXX

6/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

Loan Review Complete

96400270

XXX

$XXX

4/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $239.87.
EXCEPTION INFO: Unable to determine under disclosure due to missing the final TIL itemization of amount financed.

Loan Review Complete

96400806

XXX

$XXX

2/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 02/XX/2013

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.

Loan Review Complete

96400798

XXX

$XXX

2/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 02/XX/2010

Loan Review Complete

96400278

XXX

$XXX

4/XX/2003

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400800

XXX

$XXX

10/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401031

XXX

$XXX

3/XX/2008

Primary

Purchase

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 03/XX/2008

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400271

XXX

$XXX

5/XX/2013

Investment

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 05/XX/2013

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

Loan Review Complete

96400588

XXX

$XXX

11/XX/2004

Primary

Refinance UTD

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400801

XXX

$XXX

10/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 10/XX/2012

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.

Loan Review Complete

96400799

XXX

$XXX

6/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 06/XX/2010

[2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.

Loan Review Complete

96400586

XXX

$XXX

9/XX/2004

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401019

XXX

$XXX

11/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.

Loan Review Complete

96400809

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401012

XXX

$XXX

4/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400055

XXX

$XXX

5/XX/2008

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.

Loan Review Complete

96400220

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400198

XXX

$XXX

8/XX/2007

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400591

XXX

$XXX

4/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400050

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400702

XXX

$XXX

3/XX/2008

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400562

XXX

$XXX

7/XX/2008

Investment

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400221

XXX

$XXX

10/XX/2007

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401026

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

Loan Review Complete

96400053

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400812

XXX

$XXX

6/XX/2006

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400813

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400273

XXX

$XXX

1/XX/2014

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2013.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $775.20.
EXCEPTION INFO: TIL itemization disclosed your credit/charge (points) in the amount of $1,038.18, however HUD reflects your credit/charge (points) as $1,813.68.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96400580

XXX

$XXX

5/XX/2004

Primary

Purchase

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $128.69.
EXCEPTION INFO: TIL Itemization only disclosed origination charges in the amount of $250 and final HUD reflects $350. TIL itemization disclosed courier fee of $60 and final HUD reflects $85.

Loan Review Complete

96400637

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400257

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $50.14.
EXCEPTION INFO: TIL Itemization did not disclose the wire fee of $50 as prepaid finance charges.

Loan Review Complete

96400585

XXX

$XXX

9/XX/2004

Primary

Purchase

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

Loan Review Complete

96400280

XXX

$XXX

7/XX/2003

Primary

Purchase

Yes

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $323.39.
EXCEPTION INFO: Unable to determine the reason for the under disclosure due to missing the itemization of amount financed.

Loan Review Complete

96401023

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400811

XXX

$XXX

6/XX/2006

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400816

XXX

$XXX

11/XX/2006

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $685.36.
EXCEPTION INFO: Unable to determine reason for under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96400578

XXX

$XXX

4/XX/2004

Primary

Purchase

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400215

XXX

$XXX

10/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96400219

XXX

$XXX

10/XX/2007

Primary

Purchase

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Miscellaneous Compliance - Initial TIL not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.

Loan Review Complete

96400276

XXX

$XXX

5/XX/2002

Primary

Purchase

Loan Review Complete

96401024

XXX

$XXX

11/XX/2007

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400795

XXX

$XXX

9/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400794

XXX

$XXX

9/XX/2008

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $772.16.
EXCEPTION INFO: Lenders Final TIL represents 118 monthly payments of MI. Whereas audited finance charge reflects 138 monthly payments of MI and a fall-off after approximately 78% LTV.

Loan Review Complete

96400638

XXX

$XXX

12/XX/2006

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400639

XXX

$XXX

12/XX/2006

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400559

XXX

$XXX

4/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

Loan Review Complete

96400808

XXX

$XXX

9/XX/2005

Primary

Purchase

Yes

Loan Review Complete

96400646

XXX

$XXX

8/XX/2007

UTD

UTD UTD

UTD

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400581

XXX

$XXX

4/XX/2004

Primary

Purchase

Loan Review Complete

96400641

XXX

$XXX

6/XX/2007

Primary

UTD UTD

UTD

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401030

XXX

$XXX

1/XX/2008

Primary

Purchase

Loan Review Complete

96400805

XXX

$XXX

1/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 01/XX/2013

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96401029

XXX

$XXX

1/XX/2008

UTD

Refinance UTD

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 01/XX/2008 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400802

XXX

$XXX

12/XX/2012

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.
EXCEPTION INFO: missing doc

[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.

Loan Review Complete

96400051

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] State Compliance - Idaho Residential Mortgage Practices Act (Lender Fees Disclosure Not Provided): Idaho Residential Mortgage Practices Act: Fees collected at closing were not previously disclosed to borrower.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $6,831.00.
EXCEPTION INFO: Index source in file shows an index of 2.908, however the Til Payment stream had to be based on an index that rounds to 2.625. Final TIL shows 239 payments after initial rate change in the amount of $662.63 and actual TIL shows 239 payments at $691.09. Also, final TIL shows last payment as $664.41 and actual TIL shows it as $693.07.

Loan Review Complete

96400803

XXX

$XXX

12/XX/2012

Investment

Refinance Rate/Term

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2012

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96401032

XXX

$XXX

3/XX/2008

UTD

UTD UTD

UTD

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.
EXCEPTION INFO: Appraisal was not provided.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400596

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400642

XXX

$XXX

6/XX/2007

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400643

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400644

XXX

$XXX

7/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96400123

XXX

$XXX

2/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400950

XXX

$XXX

1/XX/1999

Primary

Purchase

Loan Review Complete

96400480

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400355

XXX

$XXX

5/XX/2005

Primary

Purchase

Yes

Loan Review Complete

96400348

XXX

$XXX

3/XX/2005

Primary

Purchase

Loan Review Complete

96400451

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401004

XXX

$XXX

4/XX/2006

Primary

Purchase

Loan Review Complete

96400692

XXX

$XXX

9/XX/2006

Primary

Purchase

Loan Review Complete

96400351

XXX

$XXX

3/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400663

XXX

$XXX

5/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96400920

XXX

$XXX

9/XX/2006

Investment

Purchase

Loan Review Complete

96400959

XXX

$XXX

1/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400670

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400688

XXX

$XXX

8/XX/2006

Investment

Purchase

Loan Review Complete

96400265

XXX

$XXX

12/XX/2006

Investment

Refinance Cash-out - Debt Consolidation

Loan Review Complete

96400960

XXX

$XXX

1/XX/2007

Primary

Purchase

Loan Review Complete

96400667

XXX

$XXX

6/XX/2006

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400780

XXX

$XXX

2/XX/2007

Investment

Refinance Cash-out - Debt Consolidation

Loan Review Complete

96400436

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400269

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400623

XXX

$XXX

3/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400135

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400787

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400132

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400218

XXX

$XXX

10/XX/2007

Primary

Purchase

Loan Review Complete

96400957

XXX

$XXX

12/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96400052

XXX

$XXX

3/XX/2008

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400775

XXX

$XXX

2/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400992

XXX

$XXX

1/XX/2007

Primary

Purchase

Loan Review Complete

96400929

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400337

XXX

$XXX

5/XX/2007

Primary

Purchase

Loan Review Complete

96401018

XXX

$XXX

12/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96400468

XXX

$XXX

9/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400781

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400789

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400431

XXX

$XXX

6/XX/2007

Primary

Purchase

Loan Review Complete

96400133

XXX

$XXX

3/XX/2007

Investment

Purchase

Loan Review Complete

96400701

XXX

$XXX

1/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400465

XXX

$XXX

9/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96400129

XXX

$XXX

4/XX/2007

Investment

Purchase

Yes

Loan Review Complete

96400579

XXX

$XXX

4/XX/2004

Primary

Purchase

Loan Review Complete

96400796

XXX

$XXX

11/XX/2008

Primary

Purchase

Yes

Loan Review Complete

96400561

XXX

$XXX

6/XX/2008

Primary

Purchase

Yes

Loan Review Complete

96400138

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400814

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400057

XXX

$XXX

5/XX/2008

Investment

Refinance Cash-out - Other

Loan Review Complete

96400584

XXX

$XXX

8/XX/2004

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96400817

XXX

$XXX

11/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96400593

XXX

$XXX

6/XX/2005

Primary

Purchase

Yes

Loan Review Complete

96400587

XXX

$XXX

10/XX/2004

Primary

Purchase

Loan Review Complete

96400227

XXX

$XXX

1/XX/2008

Primary

Purchase

Yes

Loan Review Complete

96400807

XXX

$XXX

8/XX/2005

Investment

Purchase

Loan Review Complete

96400640

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96400582

XXX

$XXX

12/XX/2003

Primary

Purchase

Loan Review Complete

96400647

XXX

$XXX

9/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96401108

XXX

$XXX

1/XX/2008

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.

[2] State Compliance - Virginia Tangible Net Benefit Test: Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.

Loan Review Complete

96401111

XXX

$XXX

2/XX/2006

UTD

UTD UTD

UTD

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 02/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state.
EXCEPTION INFO: "10 day grace period is less than 15 day minimum per state (PA)

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96401112

XXX

$XXX

5/XX/2012

Primary

Refinance Rate/Term

Yes

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401109

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Flood Certificate not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Due On Sale Clause, Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96401110

XXX

$XXX

8/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2013

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Not Provided Timely: RESPA: Initial escrow account statement was not provided to the borrower at closing.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $437.21.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

Loan Review Complete

96401939

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Other

Yes

04/06/2021

Loan Review Complete

96401535

XXX

$XXX

12/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

04/06/2021

Loan Review Complete

96401794

XXX

$XXX

6/XX/2009

Primary

Purchase

04/06/2021

[3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)

[3] Government Documentation - Missing Document: FHA Case Number Assignment not provided

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: TIL appears to be final but not signed nor initialed by borrower.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.
EXCEPTION INFO: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or initialed by borrower so cannot confirm that borrower received.

Loan Review Complete

96401940

XXX

$XXX

UTD

UTD UTD

UTD

07/08/2021

[3] Loan File - (Missing Doc) Incomplete loan images/file
EXCEPTION INFO: The file contains only post closing documentation.

[3] Closing / Title - Title: Evidence of title is missing

Loan Review Complete

96401968

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

04/06/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.

Loan Review Complete

96401686

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

Yes

04/06/2021

Loan Review Complete

96401633

XXX

$XXX

11/XX/1994

Primary

Refinance Cash-out - Debt Consolidation

04/06/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401795

XXX

$XXX

5/XX/1999

Primary

Refinance Cash-out - Debt Consolidation

Yes

04/06/2021

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $130.38.
EXCEPTION INFO: TIL Itemization of Amount Financed did not disclose a Release Tracking fee of $10.50, a Settlement fee of $95 and a Courier fee of $25 as prepaid finance charges.

Loan Review Complete

96401213

XXX

$XXX

8/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

04/06/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2008 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $431.92.
EXCEPTION INFO: Disclosed payment on note does not correspond with the loan amount, loan term, and interest rate on the loan.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2008, prior to three (3) business days from transaction date of 08/XX/2008.

Loan Review Complete

96402100

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Other

Yes

04/06/2021

[2] State Compliance - Connecticut Prepayment Penalty Test: Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96402070

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

04/06/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.05716% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96402071

XXX

$XXX

7/XX/2004

Primary

Purchase

Yes

04/06/2021

Loan Review Complete

96401442

XXX

$XXX

10/XX/1996

UTD

UTD UTD

UTD

Yes

04/06/2021

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/1996 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96401486

XXX

$XXX

7/XX/1994

Primary

Purchase

04/06/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1994 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,107.14.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

Loan Review Complete

96402035

XXX

$XXX

7/XX/2005

Primary

Refinance Rate/Term

Yes

04/06/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401941

XXX

$XXX

2/XX/2005

Primary

Refinance Cash-out - Other

Yes

04/06/2021

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $70.46.
EXCEPTION INFO: TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects
$XXX.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96401515

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Other

Yes

04/06/2021

Loan Review Complete

96401694

XXX

$XXX

8/XX/2005

Primary

Purchase

04/06/2021

Loan Review Complete

96402024

XXX

$XXX

10/XX/2004

Primary

Purchase

Yes

04/06/2021

Loan Review Complete

96401441

XXX

$XXX

1/XX/2006

Primary

Purchase

Yes

[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: 06/XX/2016
Inspection Date: 12/XX/2005

[2] Federal Compliance - Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - TILA - Final TIL Missing: Truth in Lending Act: Final TIL was not provided to the borrower.

Loan Review Complete

96402014

XXX

$XXX

8/XX/2005

Primary

Purchase

Yes

[2] Federal Compliance - Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

Loan Review Complete

96401511

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401746

XXX

$XXX

8/XX/2009

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96401843

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401408

XXX

$XXX

2/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using a 7 month lookback from the consummation date.

Loan Review Complete

96401271

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 6/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 1/XX/2007.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401243

XXX

$XXX

3/XX/1997

Primary

Refinance Cash-out - Other

Yes

[3] General - Incomplete Document: Note - Subject Lien is incomplete
EXCEPTION INFO: Only page 1 of note in file

[3] Federal Compliance - (Missing Data) Late Charge: Late Charge Type was not provided. Any applicable Federal, State or Local compliance testing is unreliable.
EXCEPTION INFO: Only page 1 of Note in file. Unable to verify Late Charge.

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

Loan Review Complete

96401969

XXX

$XXX

7/XX/2008

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(a)(6) Acknowledgment of Fair Market Value and TX50(a)(6) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV

[3] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Home Equity loan on homestead that exceeds the Acreage limits): Texas Constitution Section 50(a)(6): Unable to determine if the home equity loan on homestead exceeds the allowable acreage due to missing documentation.

[3] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Property is designated for agricultural use (other than primarily for production of milk)): Texas Constitution Section 50(a)(6): Unable to test agricultural use due to missing documentation.

[3] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company): Texas Constitution Section 50(a)(6): Unable to determine if loan was closed an an authorized location due to missing documentation.

[3] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation): Texas Constitution Section 50(a)(6): Unable to test refinance within twelve (12) month period due to missing documentation.

[1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2008 used as disbursement date for compliance testing.
REVIEWER - CLEARED COMMENT (2018-05-01): Client provided copy of final HUD-1. Exception cleared.

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2018-05-01): Client provided copy of final HUD-1. Exception cleared.

[1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
REVIEWER - CLEARED COMMENT (2018-05-01): Client provided copy of final HUD-1. Exception changed to one with fees.

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Rescission Period): Texas Constitution Section 50(a)(6): Unable todetermine if loan transaction disbursed prior to three (3) business days from transaction date due to missing information.
REVIEWER - CLEARED COMMENT (2018-05-01): Client provided copy of final HUD-1. Exception cleared.

[2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing): Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing.
REVIEWER - CURED COMMENT (2018-07-17): XXX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception. Offer to Refinance expires 8/XX/2018.

[2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing): Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.
REVIEWER - CURED COMMENT (2018-07-17): XXX provided copy of letter sent to borrower indicating they are aware the borrower may not have gotten copies of all closing docs and final application at closing. XXX has credited $1000 to the principal balance of their loan and offered to refinance their loan and provided screen shots to evidence the application of the $1000. XXX also signed attestation that they cannot definitively determine that all documents executed by the borrower were contained within the loan files. Outside counsel advised this was sufficient to cure this exception with the catch all cure. Offer to Refinance expires 8/XX/2018.

[2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.
REVIEWER - CURED COMMENT (2018-07-17): XXX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception. Offer to Refinance expires 8/XX/2018.

[2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided): Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan.
REVIEWER - CURED COMMENT (2018-07-17): XXX provided copy of letter sent to borrower noting that the original lender may not have provided a written acknowledgment of fair market value. The letter indicated that XXX has credited $1000 to the principal balance of their loan and offered to refinance their loan. AMC confirmed the $1000 as applied to the borrower’s account. Outside counsel advised this was sufficient to cure this exception. Offer to Refinance expires 8/XX/2018.

[2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Final Loan Application): Texas Constitution Section 50(a)(6): No evidence the borrower(s) received a copy of the final loan application at or prior to closing.
REVIEWER - CURED COMMENT (2018-07-17): XXX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception. Offer to Refinance expires 8/XX/2018.

[2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.
REVIEWER - CURED COMMENT (2018-07-17): XXX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception. Offer to Refinance expires 8/XX/2018.

[2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (AFMV value and appraisal value not provided): Texas Constitution Section 50(a)(6): Unable to determine compliance with 80% CLTV limitation due to missing AFMV or value on AFMV and no appraisal or other evaluation in file to verify property value/LTV.
REVIEWER - CURED COMMENT (2018-07-17): XXX provided copy of letter sent to borrower noting that the original lender may not have provided a written acknowledgment of fair market value however, XXX cannot confirm the fair market value as of the date of extension of credit. XXX did not provide a new AFMV. The letter indicated that XXX has credited $1000 to the principal balance of their loan and offered to refinance their loan. AMC confirmed the $1000 as applied to the borrower’s account. Outside counsel advised this was sufficient to cure this exception. Offer to Refinance expires 8/XX/2018.

Loan Review Complete

96401879

XXX

$XXX

2/XX/2008

Primary

Purchase

[3] Government Documentation - Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents)

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 09/XX/2017
Disaster End Date: 10/XX/2017

[3] Document Error - Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.
REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2018-06-05): Per Seller – Agree, missing HUD-1

[3] Government Documentation - Missing Document: FHA Case Number Assignment not provided

[3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Government Documentation - Missing Document: HUD/VA 92900-A not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2018-06-05): Per Seller – Agree, missing HUD-1

[3] Government Documentation - Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents)

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401880

XXX

$XXX

3/XX/2009

Primary

Purchase

Yes

[3] Government Documentation - Missing Document: FHA Case Number Assignment not provided

[3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided

[3] Government Documentation - Missing Document: HUD/VA 92900-A not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2008.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[1] Government Documentation - Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents)
REVIEWER - CLEARED COMMENT (2018-06-05): Received proof of REO, exception cleared

[1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2009 used as disbursement date for compliance testing.
REVIEWER - CLEARED COMMENT (2018-06-05): Received Final HUD-1, exception cleared

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2018-06-05): Received Final HUD-1, exception cleared

[1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2008. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
REVIEWER - CLEARED COMMENT (2018-06-05): Received Final HUD-1, exception cleared

[1] Government Documentation - Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents)
REVIEWER - CLEARED COMMENT (2018-06-05): Received proof of REO, exception cleared

Loan Review Complete

96401407

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster.: Disaster Name: XXX
Disaster Declaration Date: 03/XX/2007

[3] Application / Processing - Missing Document: Missing Final 1003

[1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.
REVIEWER - CLEARED COMMENT (2018-06-06): Final HUD-1 provided for review. Exception cleared.

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2018-06-06): Final HUD-1 provided for review. Exception cleared.

[1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
REVIEWER - CLEARED COMMENT (2018-06-06): Final HUD-1 provided for review. Exception cleared.

Loan Review Complete

96402012

XXX

$XXX

6/XX/2005

Primary

Purchase

Yes

Loan Review Complete

96401314

XXX

$XXX

5/XX/2003

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien
EXCEPTION INFO: Note indicates loan is a secondary mortgage

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2003, prior to three (3) business days from transaction date of 05/XX/2003.

Loan Review Complete

96401494

XXX

$XXX

6/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.
REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2018-06-10): Seller agrees with findings.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002.

[2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.
EXCEPTION INFO: Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2003, prior to three (3) business days from transaction date of 06/XX/2003.

Loan Review Complete

96401495

XXX

$XXX

12/XX/2008

Primary

Purchase

Yes

[3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided.
SELLER - GENERAL COMMENT (2018-06-10): Disagree. Clayton passed all tests.
REVIEWER - GENERAL COMMENT (2018-06-10): This is not a high cost issue, it is disclosure. Clayton HCA Analysis does not indicate if disclosures were in file. Exception remains.

[3] State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis.
SELLER - GENERAL COMMENT (2018-06-10): Disagree. Clayton passed all tests.
REVIEWER - GENERAL COMMENT (2018-06-10): This is not a high cost issue, it is disclosure. Clayton HCA Analysis does not indicate if disclosures were in file. Exception remains.

[3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided.
SELLER - GENERAL COMMENT (2018-06-10): Disagree. Clayton passed all tests.
REVIEWER - GENERAL COMMENT (2018-06-10): This is not a high cost issue, it is disclosure. Clayton HCA Analysis does not indicate if disclosures were in file. Exception remains.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96402013

XXX

$XXX

3/XX/2009

Primary

Refinance Rate/Term

Yes

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $115.75.
EXCEPTION INFO: payment is off after 12 installments

Loan Review Complete

96401346

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96401214

XXX

$XXX

12/XX/2002

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 08/XX/2003
Disaster End Date: 08/XX/2003

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401823

XXX

$XXX

3/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.
REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2018-06-11): Per Seller - Agree, no stamped or executed copy of HUD

[2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.

[2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - First Change Date on GFE Inaccurate: RESPA (2010): First Change Date on GFE does not match First Change Date on Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - First Change Date on Final HUD-1 Inaccurate: RESPA (2010): First Change Date on Final HUD-1 does not match First Change Date on Note.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2018-06-11): Per Seller- Agree

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

[2] Federal Compliance - TIL-MDIA Pre-Disclosure Activity - Fees collected prior to TIL disclosure: Unable to determine if fees were charged prior to receipt of TIL due to missing information.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years P&I Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" P&I payment on the Final TIL does not match the maximum principal and interest payment on the loan during the first five (5) years of the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan.

[2] Federal Compliance - 2011 TIL-MDIA ARM Introductory Rate Disclosure - Introductory Period Inaccurate: Truth in Lending Act (MDIA 2011): Adjustable rate introductory period on Final TIL does not match introductory period for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever P&I Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" P&I payment on the Final TIL does not match the maximum principal and interest payment that may apply during the life of the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan.

Loan Review Complete

96401634

XXX

$XXX

4/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401635

XXX

$XXX

1/XX/2011

Primary

Purchase

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
REVIEWER - GENERAL COMMENT (2018-10-19): Servicing disclosure provided by lender, however it was provided at closing and not within 3 days of application. Exception remains.

Loan Review Complete

96401585

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: TIL appears to be final but not signed nor initialed by borrower.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.
EXCEPTION INFO: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.

Loan Review Complete

96401586

XXX

$XXX

9/XX/2002

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96402101

XXX

$XXX

3/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401747

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.

Loan Review Complete

96401371

XXX

$XXX

8/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401537

XXX

$XXX

5/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96401514

XXX

$XXX

2/XX/2007

Primary

Purchase

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96401372

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $71,120.55.
EXCEPTION INFO: Variance due to Negative amortization and biweekly payment. The index used of 4.640% is lower than the most recent index available in Clarity of 4.77%

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401719

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Flood Certificate not provided

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Miscellaneous Compliance - Missing Document: Right to Cancel (RTC) not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96401610

XXX

$XXX

3/XX/2000

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.
EXCEPTION INFO: HUD in file has a stamp over the 800 fee section. Unable to determine if additional fees are on HUD other than those visible.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2000 used as disbursement date for compliance testing.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2000, prior to three (3) business days from transaction date of 03/XX/2000.

[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Loan Review Complete

96402102

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] State Compliance - Virginia Prepayment Penalty: Virginia Prepayment Penalty: Prepayment penalty not permissible by state law.

[2] State Compliance - Virginia Tangible Net Benefit Test: Virginia Mortgage Lender and Broker Act: Unable to determine if mortgage loan was refinanced within the past twelve (12) months without a tangible net benefit to the borrower due to missing prior loan information.

Loan Review Complete

96401272

XXX

$XXX

12/XX/2011

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401659

XXX

$XXX

6/XX/2007

Investment

Refinance Rate/Term

Loan Review Complete

96401658

XXX

$XXX

10/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401587

XXX

$XXX

11/XX/2009

Primary

Purchase

Yes

Loan Review Complete

96401473

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Other

Yes

[2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.

Loan Review Complete

96401443

XXX

$XXX

5/XX/2009

Primary

Purchase

Yes

Loan Review Complete

96401409

XXX

$XXX

11/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96402135

XXX

$XXX

11/XX/2005

Primary

Purchase

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401348

XXX

$XXX

2/XX/2009

Primary

Purchase

Yes

Loan Review Complete

96402036

XXX

$XXX

7/XX/2007

Primary

Purchase

Loan Review Complete

96402037

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.
EXCEPTION INFO: File does not contain either Preliminary or Final Title.

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.
EXCEPTION INFO: Documents were not signed.

[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Loan Review Complete

96401373

XXX

$XXX

11/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[1] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
REVIEWER - CLEARED COMMENT (2019-12-10): ARM Disclosure provided. Exception cleared.

[1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2008 used as disbursement date for compliance testing.
REVIEWER - CLEARED COMMENT (2019-12-10): Final HUD-1 provided. Exception cleared.

[1] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.
REVIEWER - CLEARED COMMENT (2019-12-10): Appraisal provided. Exception cleared.

[1] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.
EXCEPTION INFO: File does not contain either Preliminary or Final Title.
REVIEWER - CLEARED COMMENT (2019-12-10): Final Title Policy located in file. Exception cleared.

[1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
REVIEWER - CLEARED COMMENT (2019-12-10): Initial GFE provided. Exception cleared.

[1] Document Error - Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.
REVIEWER - CLEARED COMMENT (2019-12-10): Final HUD-1 provided with FHA MIP details.

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2019-12-10): Final HUD-1 provided. Exception cleared.

[1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
REVIEWER - CLEARED COMMENT (2019-12-10): Final HUD-1 provided. Exception replaced with one with fees tested.

[1] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
REVIEWER - CLEARED COMMENT (2019-12-10): Final TIL provided. Exception cleared.

Loan Review Complete

96401410

XXX

$XXX

12/XX/2000

Primary

Purchase

[3] Document Error - Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2000 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401661

XXX

$XXX

9/XX/2004

Primary

Purchase

Yes

Loan Review Complete

96401660

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - California Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401273

XXX

$XXX

1/XX/2008

Primary

Refinance UTD

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.
EXCEPTION INFO: File does not contain either Preliminary or Final Title

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Miscellaneous Compliance - Initial TIL not provided

[2] Closing / Title - TILA - Final TIL Missing

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.

Loan Review Complete

96401881

XXX

$XXX

7/XX/2003

Primary

Refinance Rate/Term

Yes

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

[2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2003 used as disbursement date for compliance testing.
REVIEWER - CLEARED COMMENT (2019-12-18): Missing on HUD and settlement agents closing docs

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2019-12-18): Missing on HUD and settlement agents closing docs

Loan Review Complete

96401215

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401637

XXX

$XXX

8/XX/2004

Primary

Purchase

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.
EXCEPTION INFO: File does not contain either preliminary or final title.

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Closing / Title - TILA - Final TIL Missing

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

[2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2019-12-18): Received Final HUD, exception cleared

[1] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
REVIEWER - CLEARED COMMENT (2019-12-18): Property inspection in file evidenced SFD

[1] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
REVIEWER - CLEARED COMMENT (2019-12-18): Received Final HUD, exception cleared

Loan Review Complete

96401636

XXX

$XXX

4/XX/2006

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96402105

XXX

$XXX

8/XX/2003

UTD

Purchase

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.
EXCEPTION INFO: “File does not contain either Preliminary or Final Title”.

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

[1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2003 used as disbursement date for compliance testing.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Exception cleared.

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Exception cleared.

[1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Exception replaced with one with fees tested.

[1] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Transaction is a purchase so RTC not applicable.

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(a)(6) Acknowledgment of Fair Market Value and TX50(a)(6) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing): Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided): Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (AFMV value and appraisal value not provided): Texas Constitution Section 50(a)(6): Unable to determine compliance with 80% CLTV limitation due to missing AFMV or value on AFMV and no appraisal or other evaluation in file to verify property value/LTV.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) and/or (TX50(t)) No Title in the loan file or Title indicates other lien(s) exist: Texas Constitution Section 50(a)(6): Title, title search/report, or other documentation to verify additional liens against property not in file. Unable to conclusively determine compliance with 80% CLTV limitation.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Rescission Period): Texas Constitution Section 50(a)(6): Notice of Right to Rescind Not Provided
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Acceleration Due to Decrease in Market Value): Texas Constitution Section 50(a)(6): Unable to determine if loan contains impermissible acceleration provision due to missing note and/or security instrument.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Property is designated for agricultural use (other than primarily for production of milk)): Texas Constitution Section 50(a)(6): Unable to test agricultural use due to missing documentation.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Documents Signed by Borrower Contains Blank Fields): Texas Constitution Section 50(a)(6): Unable to test if borrower signed blank documents due to missing note and/or security instrument.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company): Texas Constitution Section 50(a)(6): Unable to determine if loan was closed at an authorized location due to missing documentation.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Security Instrument did not disclose that loan is a Texas Home Equity Loan): Unable to determine if the security instrument discloses that the loan is a TX Home Equity/50(a)(6) Loan due to missing documentation.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Unable to determine if mortgage loan can be foreclosed upon by means other than a court order due to missing information): Texas Constitution Section 50(a)(6): Unable to test if mortgage loan can be foreclosed upon by means other than a court order. due to missing note and/or security instrument.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Personal Liability): Texas Constitution Section 50(a)(6): Unable to test personal liability due to missing the note and/or security instrument.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation): Texas Constitution Section 50(a)(6): Unable to test refinance within twelve (12) month period due to missing documentation.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine Spousal or Owner Written Consent ): Texas Constitution Section 50(a)(6): Unable to determine if lien was created without consent of all owners and owner’s spouse(s).
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)

[1] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.
REVIEWER - CLEARED COMMENT (2019-12-11): Final HUD-1 provided. Transaction is a purchase so RTC not applicable.

Loan Review Complete

96402104

XXX

$XXX

11/XX/2006

Primary

Purchase

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.
EXCEPTION INFO: File does not contain either Preliminary of Final Title

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.
REVIEWER - CLEARED COMMENT (2019-12-20): Received Final HUD-1, exception cleared.

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2019-12-20): Received Final HUD-1, exception cleared.

[1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
REVIEWER - CLEARED COMMENT (2019-12-20): Received Final HUD-1, exception cleared.

Loan Review Complete

96402138

XXX

$XXX

10/XX/2002

Primary

Purchase

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96402137

XXX

$XXX

12/XX/2008

Primary

Purchase

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2008 used as disbursement date for compliance testing.
REVIEWER - CLEARED COMMENT (2019-12-27): Estimated HUD provided. Exception cleared.

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2019-12-27): Estimated HUD provided. Exception cleared.

[1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
REVIEWER - CLEARED COMMENT (2019-12-27): Estimated HUD provided. Exception replaced one with fees.

[1] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.
REVIEWER - CLEARED COMMENT (2019-12-27): Estimated HUD Provided. Purchase Transaction. Exception cleared.

Loan Review Complete

96401798

XXX

$XXX

12/XX/2007

Primary

Purchase

Loan Review Complete

96401799

XXX

$XXX

11/XX/2007

Primary

Refinance Cash-out - Other

Yes

[2] State Compliance - XXX Prepayment Penalty: XXX Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96401349

XXX

$XXX

3/XX/2001

Primary

Purchase

Loan Review Complete

96402143

XXX

$XXX

11/XX/2013

Primary

Refinance Cash-out - Other

Yes

[2] State Compliance - North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state.
EXCEPTION INFO: Maximum late fee for state of NC is 4% for 15 days; subject transaction exceeded this at 5% for 15 days.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

Loan Review Complete

96401475

XXX

$XXX

7/XX/2013

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401477

XXX

$XXX

7/XX/2013

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.

[2] Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (2010): Interest Rate on Final HUD-1 does not match Note.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.

Loan Review Complete

96401476

XXX

$XXX

6/XX/2013

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401478

XXX

$XXX

6/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 06/XX/2013

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401479

XXX

$XXX

6/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401987

XXX

$XXX

6/XX/2013

Primary

Purchase

Yes

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $706.51.
EXCEPTION INFO: TIL itemization did not disclose an origination fee of $655 and a tax service fee for $65 as prepaid finance charge.

Loan Review Complete

96401988

XXX

$XXX

5/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

Loan Review Complete

96401989

XXX

$XXX

4/XX/2013

Primary

Purchase

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.

Loan Review Complete

96401638

XXX

$XXX

3/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 03/XX/2013

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 01/XX/2013 Interest Rate Available Through Date is blank for GFE dated 01/XX/2013.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

Loan Review Complete

96401824

XXX

$XXX

1/XX/2013

Investment

Refinance Rate/Term

[3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.

Loan Review Complete

96401942

XXX

$XXX

12/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2012

[3] Credit Documentation - Missing Document: Credit Report not provided

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.

[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.

Loan Review Complete

96401943

XXX

$XXX

12/XX/2012

Second Home

Purchase

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $440.19.
EXCEPTION INFO: Unable to determine cause of under disclosure due to missing itemization of amount financed.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.

Loan Review Complete

96401640

XXX

$XXX

12/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401944

XXX

$XXX

12/XX/2012

Primary

Purchase

Yes

Loan Review Complete

96401946

XXX

$XXX

10/XX/2012

Primary

Refinance Rate/Term

Yes

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96402015

XXX

$XXX

9/XX/2012

Primary

Purchase

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

Loan Review Complete

96401639

XXX

$XXX

9/XX/2012

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.
EXCEPTION INFO: 5% late charge exceeds maximum of 2% per state of New York.

[2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.

[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

Loan Review Complete

96401945

XXX

$XXX

9/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401695

XXX

$XXX

9/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402016

XXX

$XXX

9/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401497

XXX

$XXX

7/XX/2012

Primary

Refinance Rate/Term

Yes

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401496

XXX

$XXX

7/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

Loan Review Complete

96402017

XXX

$XXX

7/XX/2012

Primary

Purchase

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96401352

XXX

$XXX

6/XX/2012

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401350

XXX

$XXX

5/XX/2012

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $548.43.
EXCEPTION INFO: TIL itemization did not disclose a settlement fee of $460, or a courier fee of $60 as prepaid finance charges.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401351

XXX

$XXX

5/XX/2012

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $999.73.
EXCEPTION INFO: Unable to determine reason for under disclosure due to missing itemization of amount financed.

Loan Review Complete

96401825

XXX

$XXX

5/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.
EXCEPTION INFO: 5% late charge exceeds 2% maximum per state (NY).

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

Loan Review Complete

96401353

XXX

$XXX

4/XX/2012

Primary

Refinance Cash-out - Home Improvement

Yes

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 03/XX/2012 Interest Rate Available Through Date is blank for GFE dated 03/XX/2012.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.

[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.

[2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.

Loan Review Complete

96401354

XXX

$XXX

3/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 01/XX/2012

[3] Credit Documentation - Missing Document: Credit Report not provided

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $46.08.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed

[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

Loan Review Complete

96401803

XXX

$XXX

3/XX/2012

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401801

XXX

$XXX

3/XX/2012

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $88.44.
EXCEPTION INFO: Under-disclosure is fee related. Final TIL Itemization reflects Prepaid Finance Charges in the amount of $18.75; whereas Final HUD reflects fee in the amount of $356.25.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2012, prior to three (3) business days from transaction date of 03/XX/2012.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401804

XXX

$XXX

2/XX/2012

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401217

XXX

$XXX

1/XX/2012

Primary

Refinance Rate/Term

Yes

[2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.

Loan Review Complete

96401218

XXX

$XXX

1/XX/2012

Primary

Purchase

Loan Review Complete

96401220

XXX

$XXX

1/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401219

XXX

$XXX

12/XX/2011

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401216

XXX

$XXX

10/XX/2011

Primary

Purchase

Yes

Loan Review Complete

96401275

XXX

$XXX

10/XX/2011

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401882

XXX

$XXX

9/XX/2011

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401276

XXX

$XXX

9/XX/2011

Investment

Refinance Cash-out - Debt Consolidation

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

Loan Review Complete

96401883

XXX

$XXX

8/XX/2011

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $146.31.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96402106

XXX

$XXX

7/XX/2011

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401687

XXX

$XXX

5/XX/2011

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401317

XXX

$XXX

4/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 04/XX/2011

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $42.76.
EXCEPTION INFO: Unable to determine cause of under disclosure due to missing itemization of amount financed.

[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Loan Review Complete

96401689

XXX

$XXX

4/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 04/XX/2011

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 02/XX/2011 Interest Rate Available Through Date is blank for GFE dated 02/XX/2011.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

Loan Review Complete

96401688

XXX

$XXX

4/XX/2011

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

Loan Review Complete

96401318

XXX

$XXX

2/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

Loan Review Complete

96401376

XXX

$XXX

1/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96401319

XXX

$XXX

1/XX/2011

Investment

Refinance Rate/Term

Loan Review Complete

96401377

XXX

$XXX

12/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.

[2] Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401375

XXX

$XXX

12/XX/2010

Second Home

Purchase

Loan Review Complete

96401541

XXX

$XXX

11/XX/2010

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.

[2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower’s ability to repay not verified with reliable documentation.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (2010): Loan Amount on Final HUD-1 does not match Note.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96401538

XXX

$XXX

11/XX/2010

Primary

Purchase

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) With Cure: RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

Loan Review Complete

96401540

XXX

$XXX

11/XX/2010

Primary

Purchase

Yes

Loan Review Complete

96401542

XXX

$XXX

11/XX/2010

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401539

XXX

$XXX

10/XX/2010

Primary

Purchase

Loan Review Complete

96402038

XXX

$XXX

10/XX/2010

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401543

XXX

$XXX

9/XX/2010

Primary

Purchase

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (2010): Loan Term on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96402039

XXX

$XXX

9/XX/2010

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402040

XXX

$XXX

8/XX/2010

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

Loan Review Complete

96401749

XXX

$XXX

7/XX/2010

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
EXCEPTION INFO: Unable to determine due to missing initial application

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401751

XXX

$XXX

6/XX/2010

Primary

Purchase

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401750

XXX

$XXX

5/XX/2010

Primary

Purchase

Loan Review Complete

96401752

XXX

$XXX

5/XX/2010

Primary

Purchase

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.

Loan Review Complete

96401517

XXX

$XXX

5/XX/2010

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401753

XXX

$XXX

4/XX/2010

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

[2] Closing / Title - (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided.

[2] Closing / Title - (Doc Error) HUD Error: Loan amount on page 3 of the final HUD was not provided.

[2] Closing / Title - (Doc Error) HUD Error: Loan term on page 3 of the final HUD was not provided.

[2] Closing / Title - (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided.

[2] Closing / Title - (Doc Error) HUD Error: Balloon term question on page 3 of the final HUD was not provided.

[2] Closing / Title - (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided.

[2] Closing / Title - (Doc Error) HUD Error: Can your loan balance rise question on page 3 of the final HUD was not provided.

[2] Closing / Title - (Doc Error) HUD Error: Can your monthly payment amount owed rise question on page 3 of the final HUD was not provided.

[2] Closing / Title - (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided.

[2] Closing / Title - (Doc Error) HUD Error: Prepayment penalty question on page 3 of the final HUD was not provided.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: Unable to determine if the HUD-1 column on page 3 of the Final HUD-1 is accurate as compared to the charges on page 2 of the disclosure due to missing information.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 indicates the loan contains an escrow payment due to missing information.

[2] Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual interest rate due to missing information.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual Loan Amount due to missing information.

[2] Federal Compliance - RESPA (2010) - Loan Term on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual Loan Term due to missing information.

[2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual payment due to missing information.

[2] Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401518

XXX

$XXX

3/XX/2010

Primary

Refinance Rate/Term

Yes

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

Loan Review Complete

96401519

XXX

$XXX

1/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.
EXCEPTION INFO: Close at Home Loan. Final HUD-1 not signed by borrower however, Acknowledgment of Receipt is in file signed by borrower. This unsigned HUD was used for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.

[2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401826

XXX

$XXX

12/XX/2009

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2010, prior to three (3) business days from transaction date of 12/XX/2009.

[2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

Loan Review Complete

96401845

XXX

$XXX

10/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401846

XXX

$XXX

9/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401847

XXX

$XXX

9/XX/2009

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.
REVIEWER - GENERAL COMMENT (2021-04-14): Received additional copy of the same Estimated HUD-1. Unable to clear.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

Loan Review Complete

96401848

XXX

$XXX

8/XX/2009

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401990

XXX

$XXX

6/XX/2009

Primary

Refinance Rate/Term

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401992

XXX

$XXX

6/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401991

XXX

$XXX

6/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401993

XXX

$XXX

6/XX/2009

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401994

XXX

$XXX

6/XX/2009

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Loan Review Complete

96402107

XXX

$XXX

5/XX/2009

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401611

XXX

$XXX

4/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401612

XXX

$XXX

3/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401613

XXX

$XXX

1/XX/2009

Primary

Refinance Rate/Term

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401722

XXX

$XXX

11/XX/2008

Primary

Purchase

Loan Review Complete

96401723

XXX

$XXX

11/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

Loan Review Complete

96401589

XXX

$XXX

8/XX/2008

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401590

XXX

$XXX

6/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96401445

XXX

$XXX

6/XX/2008

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401592

XXX

$XXX

6/XX/2008

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401591

XXX

$XXX

5/XX/2008

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401446

XXX

$XXX

5/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401447

XXX

$XXX

5/XX/2008

Primary

Purchase

Yes

Loan Review Complete

96401448

XXX

$XXX

5/XX/2008

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402074

XXX

$XXX

5/XX/2008

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402075

XXX

$XXX

3/XX/2008

Primary

Purchase

Yes

Loan Review Complete

96401414

XXX

$XXX

3/XX/2008

Investment

Refinance Rate/Term

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401947

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401949

XXX

$XXX

2/XX/2008

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96402144

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401971

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401498

XXX

$XXX

9/XX/2007

Primary

Purchase

Loan Review Complete

96401805

XXX

$XXX

8/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401315

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401915

XXX

$XXX

7/XX/2007

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401916

XXX

$XXX

7/XX/2007

Primary

Purchase

Loan Review Complete

96401665

XXX

$XXX

6/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96401720

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $291.07.
EXCEPTION INFO: The TIL Itemization did not disclose an email/edoc fee of $45, a payoff statement fee of $20, a release tracking fee of $35, and a recording service fee of $35 as prepaid finance charges. There is also a payment stream issue with the final TIL reflecting the first payment incorrectly at $XXX and the following 119 at $XXX. The first 120 payments should be reflected at $XXX per the note.

Loan Review Complete

96401807

XXX

$XXX

6/XX/2007

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Loan Review Complete

96401806

XXX

$XXX

6/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.

Loan Review Complete

96401499

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401320

XXX

$XXX

4/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96401690

XXX

$XXX

4/XX/2007

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96402108

XXX

$XXX

2/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96401544

XXX

$XXX

2/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401520

XXX

$XXX

12/XX/2006

Primary

Purchase

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2006

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2006

Loan Review Complete

96401756

XXX

$XXX

11/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96401757

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401827

XXX

$XXX

11/XX/2006

Primary

Refinance Rate/Term

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401755

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401521

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96401754

XXX

$XXX

9/XX/2006

Investment

Refinance Cash-out - Other

Loan Review Complete

96402041

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96402042

XXX

$XXX

8/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96402043

XXX

$XXX

7/XX/2006

Primary

Purchase

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

Loan Review Complete

96401545

XXX

$XXX

7/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96401995

XXX

$XXX

7/XX/2006

Primary

Purchase

Loan Review Complete

96401997

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401614

XXX

$XXX

6/XX/2006

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401849

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.

Loan Review Complete

96401616

XXX

$XXX

6/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96401996

XXX

$XXX

6/XX/2006

Primary

Construction-Permanent

Loan Review Complete

96401615

XXX

$XXX

5/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96401948

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006.

[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401593

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401594

XXX

$XXX

4/XX/2006

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401724

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.

[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Loan Review Complete

96401950

XXX

$XXX

2/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401951

XXX

$XXX

2/XX/2006

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401415

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401536

XXX

$XXX

11/XX/2005

Primary

Purchase

Loan Review Complete

96401972

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $157.76.
EXCEPTION INFO: TIL itemization disclosed prepaid interest of $151.82, however the HUD-1 shows the actual prepaid interest charged was $303.63.

Loan Review Complete

96401973

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96402076

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96402077

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96402078

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96402145

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401808

XXX

$XXX

7/XX/2005

Second Home

Purchase

Loan Review Complete

96401245

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402079

XXX

$XXX

7/XX/2005

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401809

XXX

$XXX

6/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401810

XXX

$XXX

6/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96401721

XXX

$XXX

6/XX/2005

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

Loan Review Complete

96401811

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401355

XXX

$XXX

5/XX/2005

Primary

Purchase

Loan Review Complete

96401416

XXX

$XXX

4/XX/2005

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401221

XXX

$XXX

2/XX/2005

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $105.01.
EXCEPTION INFO: The TIL itemization did not disclose an email fee of $15, courier fee of $30, wire fee of $10, settlement fee of $125, but did include a prep fee of $75, as prepaid finance charges.

Loan Review Complete

96401222

XXX

$XXX

2/XX/2005

Primary

Purchase

Yes

Loan Review Complete

96401480

XXX

$XXX

1/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401481

XXX

$XXX

11/XX/2004

Primary

Purchase

Yes

Loan Review Complete

96401449

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401918

XXX

$XXX

10/XX/2004

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96401692

XXX

$XXX

10/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401885

XXX

$XXX

10/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401917

XXX

$XXX

9/XX/2004

Primary

Refinance Rate/Term

Yes

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

Loan Review Complete

96401691

XXX

$XXX

9/XX/2004

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401886

XXX

$XXX

9/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401887

XXX

$XXX

7/XX/2004

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401642

XXX

$XXX

6/XX/2004

Primary

Purchase

Loan Review Complete

96401748

XXX

$XXX

5/XX/2004

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $100.90.
EXCEPTION INFO: Lenders Final TIL represents 113 monthly payments of MI. Whereas audited finance charge reflects 114 monthly payments of MI and a fall-off after approximately 78% LTV.

Loan Review Complete

96401888

XXX

$XXX

5/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Miscellaneous Compliance - Initial TIL not provided

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.

Loan Review Complete

96401667

XXX

$XXX

5/XX/2004

Primary

Purchase

Loan Review Complete

96401500

XXX

$XXX

4/XX/2004

Primary

Purchase

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $752.52.
EXCEPTION INFO: The Lender's TIL reflects MI dropping off after120 months, however, the audited TIL indicates MI should drop off after 161 months.

Loan Review Complete

96401844

XXX

$XXX

3/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401668

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401669

XXX

$XXX

3/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401360

XXX

$XXX

3/XX/2004

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401321

XXX

$XXX

2/XX/2004

Primary

Purchase

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 6.15900% is underdisclosed from calculated APR of 6.33331% outside of 0.125% tolerance.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,085.45.
EXCEPTION INFO: TIL itemization did not disclose an additional $500.00 origination fee, an admin fee of $240.00, a courier fee of $30.00, a processing fee of $150.00, or a settlement fee of $350.00 as prepaid finance charges.

Loan Review Complete

96401641

XXX

$XXX

1/XX/2004

Primary

Purchase

Loan Review Complete

96401547

XXX

$XXX

12/XX/2003

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401546

XXX

$XXX

12/XX/2003

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $121.95.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed

Loan Review Complete

96401759

XXX

$XXX

12/XX/2003

Primary

Purchase

Yes

Loan Review Complete

96401524

XXX

$XXX

11/XX/2003

Primary

Purchase

Loan Review Complete

96401828

XXX

$XXX

9/XX/2003

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401522

XXX

$XXX

9/XX/2003

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $56.58.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed.

Loan Review Complete

96401379

XXX

$XXX

9/XX/2003

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401378

XXX

$XXX

8/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402109

XXX

$XXX

8/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402047

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Other

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96401588

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Other

Yes

[2] State Compliance - Ohio Prepayment Penalty: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance.

Loan Review Complete

96402045

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401851

XXX

$XXX

7/XX/2003

Primary

Purchase

Yes

Loan Review Complete

96401853

XXX

$XXX

6/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402046

XXX

$XXX

6/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 06/XX/2003

Loan Review Complete

96401850

XXX

$XXX

6/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96401998

XXX

$XXX

5/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 05/XX/2003

Loan Review Complete

96402000

XXX

$XXX

4/XX/2003

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401852

XXX

$XXX

5/XX/2003

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2003, prior to three (3) business days from transaction date of 05/XX/2003.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401725

XXX

$XXX

4/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402001

XXX

$XXX

4/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401999

XXX

$XXX

4/XX/2003

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401278

XXX

$XXX

3/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96402073

XXX

$XXX

3/XX/2003

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401279

XXX

$XXX

3/XX/2003

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401726

XXX

$XXX

3/XX/2003

Primary

Purchase

Loan Review Complete

96401617

XXX

$XXX

2/XX/2003

Primary

Purchase

Loan Review Complete

96402072

XXX

$XXX

2/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

Loan Review Complete

96401620

XXX

$XXX

1/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 02/XX/2003

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401619

XXX

$XXX

12/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401970

XXX

$XXX

9/XX/2002

Primary

Refinance Cash-out - Other

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

Loan Review Complete

96401618

XXX

$XXX

3/XX/2002

Primary

Construction-Permanent

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 03/XX/2002 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Application / Processing - Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 02/XX/2002

Loan Review Complete

96401663

XXX

$XXX

10/XX/2001

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402020

XXX

$XXX

8/XX/2001

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 8.13200% is underdisclosed from calculated APR of 8.33655% outside of 0.125% tolerance.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $681.36.
EXCEPTION INFO: TIL Itemization did not disclose the $150 admin, $81.75 courier fee, $22.50 flood, $350 processing, $275 settlement fee as prepaid finance charges. Also, $195 doc prep fee disclosed as APR fee.

Loan Review Complete

96402019

XXX

$XXX

8/XX/2001

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401417

XXX

$XXX

6/XX/2001

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401418

XXX

$XXX

3/XX/2001

Primary

Purchase

Yes

Loan Review Complete

96401419

XXX

$XXX

11/XX/2000

Primary

Purchase

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96401450

XXX

$XXX

4/XX/1999

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401451

XXX

$XXX

5/XX/1999

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 05/XX/1999

[3] Credit Documentation - Missing Document: Credit Report not provided

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Loan Review Complete

96401316

XXX

$XXX

1/XX/1999

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96402080

XXX

$XXX

7/XX/1998

Primary

Purchase

Loan Review Complete

96401501

XXX

$XXX

2/XX/1997

Primary

Purchase

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Application / Processing - Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 01/XX/1997

Loan Review Complete

96401952

XXX

$XXX

5/XX/1996

Primary

Purchase

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402044

XXX

$XXX

10/XX/1993

Primary

Refinance Rate/Term

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $653.09.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed

Loan Review Complete

96401274

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401474

XXX

$XXX

3/XX/2006

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401411

XXX

$XXX

9/XX/1999

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401797

XXX

$XXX

11/XX/2010

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
EXCEPTION INFO: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.

[2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

Loan Review Complete

96401662

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401796

XXX

$XXX

8/XX/2013

Primary

Purchase

Yes

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

Loan Review Complete

96402136

XXX

$XXX

5/XX/2010

Primary

Purchase

Yes

[2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using a 7 month lookback from the consummation date.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) - Initial Escrow Account Statement Missing: RESPA (2010): Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[1] Closing / Title - Missing Final HUD-1: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2019-12-03): Final HUD-1 provided. Exception cleared.

[1] Federal Compliance - RESPA (2010) - Initial Escrow Account Statement Missing: Unable to determine if the initial escrow account statement is compliant based on missing information.
REVIEWER - CLEARED COMMENT (2019-12-03): Final HUD-1 provided. Exception cleared.

[1] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.
REVIEWER - CLEARED COMMENT (2019-12-03): Final HUD-1 provided. Exception cleared.

Loan Review Complete

96402103

XXX

$XXX

3/XX/1999

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 9/XX/1998.

[2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 12.00000% is underdisclosed from calculated APR of 12.13430% outside of 0.125% tolerance.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $489.75.
EXCEPTION INFO: Per TIL Itemization, $490.00 Closing Attorney fee was omitted from pre-paid finance charges.

Loan Review Complete

96401284

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Escrow Option Clause is required and was not provided. Property is located in a flood zone and is not impounded for flood insurance.

[2] Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing: FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure.

[2] General - Missing Document: Escrow Option Clause not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 6.53900% is underdisclosed from calculated APR of 6.79048% outside of 0.125% tolerance.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $3,774.73.
EXCEPTION INFO: Lenders Final TIL represents 36 monthly payments of MI. Whereas audited finance charge reflects 87 monthly payments of MI and a fall-off after approximately 78% LTV.

Loan Review Complete

96401324

XXX

$XXX

12/XX/2010

Primary

Refinance Rate/Term

Yes

[2] State Compliance - Colorado MLO Licensing Act - NMLS ID not on 1003: Colorado Mortgage Loan Originator Licensing Act: Loan originator NMLS identifier is not clearly displayed on loan application.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

Loan Review Complete

96401550

XXX

$XXX

2/XX/2013

Primary

Purchase

Loan Review Complete

96401762

XXX

$XXX

6/XX/2006

Primary

Purchase

Loan Review Complete

96401326

XXX

$XXX

3/XX/2009

Primary

Purchase

[2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower’s ability to repay not verified with reliable documentation.

Loan Review Complete

96401856

XXX

$XXX

11/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing: FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401855

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401485

XXX

$XXX

12/XX/2004

Primary

Purchase

Loan Review Complete

96401283

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401763

XXX

$XXX

2/XX/2005

Primary

Purchase

Yes

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $121.71.
EXCEPTION INFO: Unable to determine underdisclosure due to missing itemization of amount financed.

Loan Review Complete

96402110

XXX

$XXX

8/XX/2004

Primary

Purchase

Yes

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

Loan Review Complete

96401224

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96402111

XXX

$XXX

8/XX/2003

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401280

XXX

$XXX

4/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96402049

XXX

$XXX

7/XX/2002

Primary

Purchase

Loan Review Complete

96402048

XXX

$XXX

2/XX/2003

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401854

XXX

$XXX

2/XX/2008

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401761

XXX

$XXX

5/XX/2007

Primary

Purchase

Loan Review Complete

96401325

XXX

$XXX

12/XX/2010

Primary

Purchase

[2] Federal Compliance - Federal HPML 2009 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.26551% or Final Disclosure APR of 6.26500% is in excess of allowable threshold of APOR 4.60% + 1.5%, or 6.10000%. Compliant Higher Priced Mortgage Loan.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - TIL-MDIA 2009 Three Day Waiting Period Irregular Transaction: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

[2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.

Loan Review Complete

96401282

XXX

$XXX

3/XX/2008

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401483

XXX

$XXX

11/XX/2003

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401347

XXX

$XXX

3/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401553

XXX

$XXX

8/XX/2012

Primary

Purchase

Yes

[2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

Loan Review Complete

96401552

XXX

$XXX

7/XX/2012

Primary

Purchase

Yes

Loan Review Complete

96402112

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401760

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401549

XXX

$XXX

7/XX/2013

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401227

XXX

$XXX

6/XX/2004

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401551

XXX

$XXX

1/XX/2013

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96402113

XXX

$XXX

5/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401323

XXX

$XXX

2/XX/2011

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401374

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401226

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401554

XXX

$XXX

6/XX/2012

Primary

Purchase

Loan Review Complete

96401322

XXX

$XXX

6/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401281

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401223

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401482

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401548

XXX

$XXX

6/XX/2013

Primary

Purchase

Yes

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

Loan Review Complete

96401225

XXX

$XXX

4/XX/2003

Primary

Purchase

[3] Insurance Eligibility - MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD.
EXCEPTION INFO: MI per HUD $373.46 per month. MI per Initial Escrow Account Disclosure $74.67 used for testing.

Loan Review Complete

96401484

XXX

$XXX

11/XX/2003

Second Home

Refinance Rate/Term

Loan Review Complete

96402134

XXX

$XXX

11/XX/1998

Primary

Purchase

Loan Review Complete

96401744

XXX

$XXX

9/XX/1995

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401632

XXX

$XXX

7/XX/1994

Primary

Purchase

Loan Review Complete

96402011

XXX

$XXX

2/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $74.12.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

Loan Review Complete

96401910

XXX

$XXX

11/XX/2002

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402128

XXX

$XXX

4/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401583

XXX

$XXX

5/XX/2003

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401578

XXX

$XXX

7/XX/2003

Primary

Purchase

Loan Review Complete

96401579

XXX

$XXX

6/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 05/XX/2003

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401575

XXX

$XXX

6/XX/2003

Primary

Purchase

Yes

Loan Review Complete

96401656

XXX

$XXX

10/XX/2003

Primary

Purchase

Yes

Loan Review Complete

96401655

XXX

$XXX

8/XX/2003

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

Loan Review Complete

96401523

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401652

XXX

$XXX

11/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided

Loan Review Complete

96401758

XXX

$XXX

7/XX/2003

Primary

Purchase

Loan Review Complete

96401716

XXX

$XXX

1/XX/2004

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401715

XXX

$XXX

3/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401712

XXX

$XXX

2/XX/2004

Primary

Purchase

Loan Review Complete

96401841

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401839

XXX

$XXX

6/XX/2004

Primary

Purchase

Loan Review Complete

96401840

XXX

$XXX

5/XX/2004

Primary

Purchase

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

Loan Review Complete

96401835

XXX

$XXX

9/XX/2004

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401693

XXX

$XXX

10/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96402068

XXX

$XXX

11/XX/2004

Primary

Purchase

Yes

Loan Review Complete

96402061

XXX

$XXX

2/XX/2005

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96401312

XXX

$XXX

4/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401877

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2005

[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Loan Review Complete

96401878

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401875

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401873

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401872

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401870

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401867

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Home Improvement

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402018

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401685

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401683

XXX

$XXX

2/XX/2006

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401937

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96401493

XXX

$XXX

7/XX/2006

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401242

XXX

$XXX

5/XX/2006

Primary

Purchase

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $143.24.
EXCEPTION INFO: Unable to determine the reason for the under disclosure of $143.24 as the file did not contain the itemization of amount financed.

Loan Review Complete

96401241

XXX

$XXX

12/XX/2006

Primary

Purchase

[3] Credit Documentation - Missing Document: Credit Report not provided

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96401277

XXX

$XXX

2/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96402161

XXX

$XXX

3/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96402158

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401884

XXX

$XXX

5/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401533

XXX

$XXX

7/XX/2007

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401666

XXX

$XXX

6/XX/2007

Primary

Purchase

Loan Review Complete

96401532

XXX

$XXX

8/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96401531

XXX

$XXX

8/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96401343

XXX

$XXX

1/XX/2008

Primary

Refinance Cash-out - Other

Yes

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96401814

XXX

$XXX

1/XX/2008

Primary

Purchase

Loan Review Complete

96401507

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401342

XXX

$XXX

2/XX/2008

Primary

Purchase

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401341

XXX

$XXX

2/XX/2008

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401339

XXX

$XXX

3/XX/2008

Primary

Refinance Rate/Term

Yes

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401337

XXX

$XXX

3/XX/2008

Primary

Refinance Rate/Term

Yes

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $214.87.
EXCEPTION INFO: TIL itemization did not disclose an email fee of $25 and a post close fee of $250 as prepaid finance charges.

Loan Review Complete

96401370

XXX

$XXX

8/XX/2008

Second Home

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401368

XXX

$XXX

6/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401367

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401366

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.

[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Loan Review Complete

96401364

XXX

$XXX

11/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401264

XXX

$XXX

6/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401262

XXX

$XXX

6/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401966

XXX

$XXX

9/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401964

XXX

$XXX

11/XX/2009

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 11/XX/2009

[3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.

Loan Review Complete

96401960

XXX

$XXX

1/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 01/XX/2010

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.

Loan Review Complete

96401978

XXX

$XXX

6/XX/2010

Second Home

Purchase

Loan Review Complete

96401792

XXX

$XXX

6/XX/2010

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401790

XXX

$XXX

7/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2010

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401787

XXX

$XXX

8/XX/2010

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401607

XXX

$XXX

12/XX/2010

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401606

XXX

$XXX

12/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

Loan Review Complete

96401603

XXX

$XXX

3/XX/2011

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

Loan Review Complete

96401393

XXX

$XXX

6/XX/2011

Primary

Purchase

Yes

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

Loan Review Complete

96401394

XXX

$XXX

6/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 05/XX/2011

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 05/XX/2011 Interest Rate Available Through Date is blank for GFE dated 05/XX/2011.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

Loan Review Complete

96401392

XXX

$XXX

6/XX/2011

Primary

Purchase

Yes

Loan Review Complete

96401390

XXX

$XXX

8/XX/2011

Primary

Purchase

Yes

Loan Review Complete

96401472

XXX

$XXX

8/XX/2011

Primary

Purchase

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $992.23.
EXCEPTION INFO: Finance charges under disclosed $992.23. Itemization provided shows all fees paid by seller. HUD show fees paid by borrower but shows a lump sum seller credit of $4,500, which was not applied.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401467

XXX

$XXX

10/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2011, prior to three (3) business days from transaction date of 10/XX/2011.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401466

XXX

$XXX

9/XX/2011

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.

Loan Review Complete

96401463

XXX

$XXX

10/XX/2011

Second Home

Purchase

Loan Review Complete

96401460

XXX

$XXX

12/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 10/XX/2011

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 10/XX/2011 Interest Rate Available Through Date is blank for GFE dated 10/XX/2011.

[2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96402029

XXX

$XXX

12/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96401802

XXX

$XXX

3/XX/2012

Primary

Purchase

Yes

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 12/XX/2011 Interest Rate Available Through Date is blank for GFE dated 12/XX/2011.

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $281.94.
EXCEPTION INFO: TIL itemization did not disclose Fee Collected - Purpose Not Disclosed of $355.00 as a prepaid finance charge.

Loan Review Complete

96401800

XXX

$XXX

3/XX/2012

Primary

Refinance Rate/Term

Yes

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Days before settlement not provided.: GFE Date: 01/XX/2012

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

Loan Review Complete

96401822

XXX

$XXX

4/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96401821

XXX

$XXX

3/XX/2012

Primary

Purchase

Yes

Loan Review Complete

96401819

XXX

$XXX

4/XX/2012

Primary

Purchase

[2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information.

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401815

XXX

$XXX

6/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402005

XXX

$XXX

8/XX/2012

Primary

Purchase

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401438

XXX

$XXX

7/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2012

[2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

Loan Review Complete

96401435

XXX

$XXX

9/XX/2012

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401432

XXX

$XXX

9/XX/2012

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401429

XXX

$XXX

12/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2012

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL signed by all required parties is blank
EXCEPTION INFO: Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

Loan Review Complete

96401624

XXX

$XXX

4/XX/2013

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.

Loan Review Complete

96401629

XXX

$XXX

2/XX/2013

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401621

XXX

$XXX

6/XX/2013

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.

Loan Review Complete

96401742

XXX

$XXX

5/XX/2013

Primary

Purchase

Yes

Loan Review Complete

96401622

XXX

$XXX

5/XX/2013

Primary

Purchase

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401900

XXX

$XXX

1/XX/2014

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2014, prior to three (3) business days from transaction date of 01/XX/2014.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401777

XXX

$XXX

1/XX/1997

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401932

XXX

$XXX

3/XX/2004

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401457

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 03/XX/2004

Loan Review Complete

96401745

XXX

$XXX

7/XX/1995

Primary

Purchase

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/1995

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $511.94.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

Loan Review Complete

96402133

XXX

$XXX

9/XX/1999

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402010

XXX

$XXX

8/XX/2002

Primary

Purchase

Loan Review Complete

96402009

XXX

$XXX

9/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401908

XXX

$XXX

11/XX/2002

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.

Loan Review Complete

96401909

XXX

$XXX

11/XX/2002

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401907

XXX

$XXX

1/XX/2003

Primary

Purchase

Loan Review Complete

96401906

XXX

$XXX

2/XX/2003

Investment

Refinance Cash-out - Other

Loan Review Complete

96402132

XXX

$XXX

5/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402131

XXX

$XXX

4/XX/2003

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401905

XXX

$XXX

5/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402130

XXX

$XXX

4/XX/2003

Primary

Refinance Rate/Term

Yes

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $59.36.
EXCEPTION INFO: Unable to determine cause of underdisclosure due to missing itemization of amount financed.

Loan Review Complete

96402129

XXX

$XXX

5/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402127

XXX

$XXX

5/XX/2003

Investment

Purchase

Loan Review Complete

96401584

XXX

$XXX

5/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401582

XXX

$XXX

6/XX/2003

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401580

XXX

$XXX

6/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401581

XXX

$XXX

6/XX/2003

Primary

Refinance Cash-out - Other

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401577

XXX

$XXX

4/XX/2003

Primary

Purchase

Yes

Loan Review Complete

96401576

XXX

$XXX

8/XX/2003

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401574

XXX

$XXX

8/XX/2003

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,015.78.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of Amount Financed.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Loan Review Complete

96401573

XXX

$XXX

8/XX/2003

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401572

XXX

$XXX

9/XX/2003

Investment

Refinance Cash-out - Other

Loan Review Complete

96401657

XXX

$XXX

8/XX/2003

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401654

XXX

$XXX

10/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401653

XXX

$XXX

10/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401651

XXX

$XXX

11/XX/2003

Primary

Purchase

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 11/XX/2003

Loan Review Complete

96401650

XXX

$XXX

11/XX/2003

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401717

XXX

$XXX

12/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401718

XXX

$XXX

11/XX/2003

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401406

XXX

$XXX

11/XX/2003

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $131.49.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed.

Loan Review Complete

96401714

XXX

$XXX

2/XX/2004

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $255.50.
EXCEPTION INFO: Under disclosure due to TIL itemization did not disclose a settlement fee in the amount of $250 as a prepaid finance charge.

Loan Review Complete

96401713

XXX

$XXX

11/XX/2003

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

Loan Review Complete

96401711

XXX

$XXX

4/XX/2004

Primary

Purchase

Yes

Loan Review Complete

96401842

XXX

$XXX

4/XX/2004

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401838

XXX

$XXX

7/XX/2004

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401837

XXX

$XXX

8/XX/2004

Primary

Purchase

Loan Review Complete

96401836

XXX

$XXX

8/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402069

XXX

$XXX

12/XX/2004

Primary

Refinance Rate/Term

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96402067

XXX

$XXX

12/XX/2004

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2004

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96402066

XXX

$XXX

12/XX/2004

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96402065

XXX

$XXX

12/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $547.31.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed.

Loan Review Complete

96402064

XXX

$XXX

12/XX/2004

Primary

Purchase

Yes

Loan Review Complete

96402063

XXX

$XXX

9/XX/2004

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96402062

XXX

$XXX

1/XX/2005

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402060

XXX

$XXX

3/XX/2005

Primary

Purchase

Loan Review Complete

96401313

XXX

$XXX

3/XX/2005

Primary

Purchase

Loan Review Complete

96401311

XXX

$XXX

4/XX/2005

Primary

Purchase

Loan Review Complete

96401310

XXX

$XXX

6/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401309

XXX

$XXX

6/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401306

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401307

XXX

$XXX

5/XX/2005

Primary

Purchase

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96401308

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401876

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401874

XXX

$XXX

8/XX/2005

Primary

Purchase

Yes

Loan Review Complete

96401871

XXX

$XXX

6/XX/2005

Primary

Purchase

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96401869

XXX

$XXX

10/XX/2005

Primary

Purchase

Yes

Loan Review Complete

96401868

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $190.11.
EXCEPTION INFO: TIL itemization did not disclose a closing package pick up fee of $200 as prepaid finance charge

Loan Review Complete

96401684

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401682

XXX

$XXX

2/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401938

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401936

XXX

$XXX

6/XX/2006

Primary

Purchase

Loan Review Complete

96401935

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401934

XXX

$XXX

7/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $246.61.
EXCEPTION INFO: TIL itemization did not disclose a Title Service Charge fee of $300 and a Lender Underwriting Fee of $95 as prepaid finance charges. Also, TIL Itemization reflects a Title Copy/Fax/Email Fee of $150 that was not charged on the HUD.

Loan Review Complete

96401492

XXX

$XXX

5/XX/2006

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96401491

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401490

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96402162

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96402160

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402159

XXX

$XXX

4/XX/2007

Primary

Purchase

Loan Review Complete

96401534

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 04/XX/2007

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $390.95.
EXCEPTION INFO: Under disclosure due to an error on final TIL, document in file. Refund to the borrower in an amount of $391 post closing.

Loan Review Complete

96401513

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401512

XXX

$XXX

10/XX/2007

Primary

Purchase

Loan Review Complete

96401510

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I: Note P&I of $928.98 does not match Calculated P&I of $926.23
EXCEPTION INFO: Appears that loan was structured with credit life insurance, however the disclosure is blank.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.

[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Loan Review Complete

96401508

XXX

$XXX

11/XX/2007

Primary

Purchase

Yes

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96401509

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I: Note P&I of $490.93 does not match Calculated P&I of $488.60
EXCEPTION INFO: Appears that loan was structured with credit life insurance, however the disclosure is blank.

Loan Review Complete

96401506

XXX

$XXX

12/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96401345

XXX

$XXX

12/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401344

XXX

$XXX

1/XX/2008

Second Home

Purchase

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96401340

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I: Note P&I of $601.88 does not match Calculated P&I of $599.50
EXCEPTION INFO: Appears that loan was structured with credit life insurance, however the disclosure is blank.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.

[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Loan Review Complete

96401338

XXX

$XXX

3/XX/2008

Primary

Refinance Rate/Term

Yes

[2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96401529

XXX

$XXX

2/XX/2008

Primary

Purchase

Loan Review Complete

96401336

XXX

$XXX

4/XX/2008

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96402099

XXX

$XXX

6/XX/2008

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402098

XXX

$XXX

5/XX/2008

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96402097

XXX

$XXX

6/XX/2008

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.

[2] Miscellaneous Compliance - Miscellaneous Compliance: Non-Material Compliance Exception:
EXCEPTION INFO: Note does not provide an interest rate or payment for the construction phase. Used calculated fully indexed rate and payment based on index and margin
found in Note.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96402096

XXX

$XXX

6/XX/2008

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401369

XXX

$XXX

9/XX/2008

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401365

XXX

$XXX

9/XX/2003

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401270

XXX

$XXX

12/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401269

XXX

$XXX

2/XX/2009

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401268

XXX

$XXX

3/XX/2009

Primary

Purchase

Yes

Loan Review Complete

96401267

XXX

$XXX

4/XX/2009

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401266

XXX

$XXX

4/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401265

XXX

$XXX

5/XX/2009

Investment

Refinance Cash-out - Other

Loan Review Complete

96401263

XXX

$XXX

6/XX/2009

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401261

XXX

$XXX

7/XX/2009

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401967

XXX

$XXX

10/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401965

XXX

$XXX

10/XX/2009

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 10/XX/2009

[2] State Compliance - Maryland Mortgage Lending Regulations (Balloon Notice Not Provided): Maryland Mortgage Lending Regulations: Balloon Notice not provided to borrower.

[2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.

[2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96401963

XXX

$XXX

12/XX/2009

Primary

Refinance Rate/Term

Yes

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 11/XX/2009

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401962

XXX

$XXX

12/XX/2009

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401961

XXX

$XXX

12/XX/2009

Primary

Purchase

Yes

Loan Review Complete

96401959

XXX

$XXX

1/XX/2010

Investment

Purchase

Loan Review Complete

96401985

XXX

$XXX

2/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.
EXCEPTION INFO: Close at Home Loan. Final HUD-1 not signed by borrower however, Acknowledgment of Receipt is in file signed by borrower. This unsigned HUD was used for compliance testing.

Loan Review Complete

96401986

XXX

$XXX

1/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

Loan Review Complete

96401983

XXX

$XXX

4/XX/2010

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] State Compliance - Massachusetts MLBR (Missing Data) Document Type Not Provided: Massachusetts Mortgage Lender and Broker Regulations: Unable to determine if the borrower was required to provide a signed statement disclosing their income due to missing document type.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401984

XXX

$XXX

3/XX/2010

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401982

XXX

$XXX

3/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 01/XX/2010

Loan Review Complete

96401980

XXX

$XXX

5/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $320.79.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed.

[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

Loan Review Complete

96401981

XXX

$XXX

4/XX/2010

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.

Loan Review Complete

96401979

XXX

$XXX

5/XX/2010

Primary

Purchase

Loan Review Complete

96401793

XXX

$XXX

6/XX/2010

Primary

Purchase

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
EXCEPTION INFO: Missing the Lender's Initial application date.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401791

XXX

$XXX

5/XX/2010

Primary

Refinance Cash-out - Other

Yes

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 04/XX/2010 Interest Rate Available Through Date is blank for GFE dated 04/XX/2010.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

Loan Review Complete

96401786

XXX

$XXX

9/XX/2010

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

Loan Review Complete

96401789

XXX

$XXX

7/XX/2010

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96401788

XXX

$XXX

8/XX/2010

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401785

XXX

$XXX

11/XX/2010

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 10/XX/2010 Interest Rate Available Through Date is blank for GFE dated 10/XX/2010.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

Loan Review Complete

96401783

XXX

$XXX

11/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401781

XXX

$XXX

12/XX/2010

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401784

XXX

$XXX

10/XX/2010

Primary

Purchase

Yes

Loan Review Complete

96401609

XXX

$XXX

12/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2010

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

Loan Review Complete

96401782

XXX

$XXX

11/XX/2010

Investment

Refinance Rate/Term

[2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Minnesota Residential Mortgage Originator and Servicer Licensing Act: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and max balance, if applicable.

[2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.

[2] State Compliance - Minnesota Tangible Net Benefit Test: Minnesota Residential Mortgage Originator and Servicer Licensing Act: Unable to determine if mortgage loan provides a tangible net benefit to the borrower due to missing prior loan information.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Loan Review Complete

96401780

XXX

$XXX

12/XX/2010

Primary

Purchase

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2010

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 11/XX/2010 Interest Rate Available Through Date is blank for GFE dated 11/XX/2010.

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Rate lock period not provided.: GFE Date: 11/XX/2010

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

Loan Review Complete

96401608

XXX

$XXX

12/XX/2010

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401605

XXX

$XXX

1/XX/2011

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401604

XXX

$XXX

1/XX/2011

Second Home

Refinance Rate/Term

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401602

XXX

$XXX

3/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.

[2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

Loan Review Complete

96401601

XXX

$XXX

3/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

[2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Federal Compliance - (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information): Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information.

Loan Review Complete

96401600

XXX

$XXX

3/XX/2011

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401599

XXX

$XXX

4/XX/2011

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.

Loan Review Complete

96401399

XXX

$XXX

5/XX/2011

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

Loan Review Complete

96401400

XXX

$XXX

4/XX/2011

Second Home

Purchase

Yes

[2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.

[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $960.97.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.

Loan Review Complete

96401398

XXX

$XXX

5/XX/2011

Primary

Purchase

Yes

Loan Review Complete

96401598

XXX

$XXX

4/XX/2011

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401397

XXX

$XXX

4/XX/2011

Primary

Purchase

Yes

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

Loan Review Complete

96401396

XXX

$XXX

5/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2011 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2011, prior to three (3) business days from transaction date of 05/XX/2011.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

Loan Review Complete

96401395

XXX

$XXX

6/XX/2011

Second Home

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Incorrect GFE Form Used: RESPA (2010) - Good Faith Estimate not on the proper 2010 GFE form.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.

[2] Federal Compliance - RESPA (2010) - Loan Term on Final HUD-1 Inaccurate: RESPA (2010): Loan Term on Final HUD-1 does not match actual term on the loan.

[2] Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.

Loan Review Complete

96401391

XXX

$XXX

7/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit)

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Closing / Title - (Doc Error) TIL Error: TIL did not reflect the required verbiage

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $69.16.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

Loan Review Complete

96401389

XXX

$XXX

7/XX/2011

Primary

Purchase

Yes

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.

Loan Review Complete

96401388

XXX

$XXX

8/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.

[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

Loan Review Complete

96401471

XXX

$XXX

8/XX/2011

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application.

[2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 4.10590% is underdisclosed from calculated APR of 4.27724% outside of 0.125% tolerance.
EXCEPTION INFO: The itemization of amount financed did disclose a $550.00 Origination Fee fee as a prepaid finance charge. However, the fee was actually $950.00.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $400.03.
EXCEPTION INFO: The itemization of amount financed did disclose a $550.00 Origination Fee fee as a prepaid finance charge. However, the fee was actually $950.00.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.

Loan Review Complete

96401470

XXX

$XXX

8/XX/2011

Primary

Purchase

Yes

Loan Review Complete

96401469

XXX

$XXX

8/XX/2011

Investment

Purchase

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96401465

XXX

$XXX

9/XX/2011

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

Loan Review Complete

96401468

XXX

$XXX

8/XX/2011

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401464

XXX

$XXX

10/XX/2011

Primary

Purchase

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

Loan Review Complete

96401462

XXX

$XXX

10/XX/2011

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401461

XXX

$XXX

12/XX/2011

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 10/XX/2011

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $299.94.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96402034

XXX

$XXX

12/XX/2011

Primary

Purchase

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

Loan Review Complete

96402033

XXX

$XXX

11/XX/2011

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

Loan Review Complete

96402032

XXX

$XXX

12/XX/2011

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402031

XXX

$XXX

12/XX/2011

Primary

Purchase

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.

Loan Review Complete

96402030

XXX

$XXX

12/XX/2011

Primary

Refinance Rate/Term

Yes

[2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.

Loan Review Complete

96402028

XXX

$XXX

2/XX/2012

Primary

Purchase

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.

Loan Review Complete

96402027

XXX

$XXX

1/XX/2012

Primary

Purchase

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Days before settlement not provided.: GFE Date: 12/XX/2011

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

[2] Federal Compliance - Incorrect TIL Form Used: Truth in Lending Act (MDIA 2011): TIL disclosure not compliant under MDIA

Loan Review Complete

96402026

XXX

$XXX

2/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 10/XX/2011

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

Loan Review Complete

96402025

XXX

$XXX

2/XX/2012

Primary

Purchase

Loan Review Complete

96401820

XXX

$XXX

4/XX/2012

Primary

Purchase

Yes

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $549.97.
EXCEPTION INFO: TIL Itemization did not disclose a Settlement Closing Fee of $550 as a prepaid finance charge.

Loan Review Complete

96401818

XXX

$XXX

4/XX/2012

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

Loan Review Complete

96401817

XXX

$XXX

4/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401816

XXX

$XXX

6/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402008

XXX

$XXX

5/XX/2012

Primary

Purchase

Yes

Loan Review Complete

96402007

XXX

$XXX

6/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402006

XXX

$XXX

7/XX/2012

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

Loan Review Complete

96401440

XXX

$XXX

8/XX/2012

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - Prepayment Penalty Information on GFE Inaccurate: RESPA (2010): GFE indicates no prepayment penalty for loan containing prepayment penalty.

[2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.

[2] Federal Compliance - RESPA (2010) - Prepayment Penalty Information on Final HUD-1 Inaccurate: RESPA (2010): Final HUD-1 indicates no prepayment penalty for loan containing prepayment penalty.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

Loan Review Complete

96401437

XXX

$XXX

9/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 09/XX/2012

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 07/XX/2012 Interest Rate Available Through Date is blank for GFE dated 07/XX/2012.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

Loan Review Complete

96401439

XXX

$XXX

8/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401436

XXX

$XXX

10/XX/2012

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401434

XXX

$XXX

8/XX/2012

Primary

Purchase

Yes

Loan Review Complete

96401433

XXX

$XXX

10/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401431

XXX

$XXX

8/XX/2012

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401430

XXX

$XXX

11/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

Loan Review Complete

96401631

XXX

$XXX

1/XX/2013

Investment

Purchase

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96401628

XXX

$XXX

3/XX/2013

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401630

XXX

$XXX

2/XX/2013

Second Home

Refinance Rate/Term

Loan Review Complete

96401627

XXX

$XXX

3/XX/2013

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

Loan Review Complete

96401626

XXX

$XXX

4/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401625

XXX

$XXX

4/XX/2013

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401623

XXX

$XXX

6/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

Loan Review Complete

96401743

XXX

$XXX

6/XX/2013

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

Loan Review Complete

96401741

XXX

$XXX

3/XX/2013

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Days before settlement not provided.: GFE Date: 03/XX/2013

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401740

XXX

$XXX

6/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.

[2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1

[2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401739

XXX

$XXX

6/XX/2013

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401738

XXX

$XXX

7/XX/2013

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401737

XXX

$XXX

6/XX/2013

Primary

Purchase

Yes

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (2010): Loan Amount on Final HUD-1 does not match Note.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

Loan Review Complete

96401736

XXX

$XXX

8/XX/2013

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401735

XXX

$XXX

8/XX/2013

Primary

Purchase

Yes

Loan Review Complete

96401734

XXX

$XXX

9/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

Loan Review Complete

96401732

XXX

$XXX

9/XX/2013

Primary

Purchase

Yes

[2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 09/XX/2013 Interest Rate Available Through Date is blank for GFE dated 09/XX/2013.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.

Loan Review Complete

96401733

XXX

$XXX

9/XX/2013

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.

Loan Review Complete

96401731

XXX

$XXX

9/XX/2013

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401730

XXX

$XXX

10/XX/2013

Primary

Purchase

Yes

[1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2013 used as disbursement date for compliance testing.
REVIEWER - CLEARED COMMENT (2021-04-13): Received HUD-1

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2021-04-13): Received HUD-1

[1] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.
REVIEWER - CLEARED COMMENT (2021-04-13): Received HUD-1

[1] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.
REVIEWER - CLEARED COMMENT (2021-04-13): Received Service Provider List

Loan Review Complete

96401904

XXX

$XXX

11/XX/2013

Primary

Refinance Cash-out - Other

Yes

[2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (2010): Loan Term on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

Loan Review Complete

96401903

XXX

$XXX

1/XX/2014

Primary

Purchase

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.

[2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.

[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.

Loan Review Complete

96401901

XXX

$XXX

1/XX/2014

Primary

Refinance Cash-out - Other

Yes

[2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

Loan Review Complete

96401902

XXX

$XXX

1/XX/2014

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401571

XXX

$XXX

8/XX/1995

Primary

Purchase

Loan Review Complete

96401779

XXX

$XXX

1/XX/1999

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/1998

Loan Review Complete

96401597

XXX

$XXX

12/XX/1999

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401933

XXX

$XXX

10/XX/1997

Primary

Purchase

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

Loan Review Complete

96401459

XXX

$XXX

9/XX/2002

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401405

XXX

$XXX

1/XX/2003

Primary

Purchase

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

Loan Review Complete

96401898

XXX

$XXX

1/XX/2000

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401897

XXX

$XXX

3/XX/2003

Primary

Purchase

Yes

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $319.49.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96401831

XXX

$XXX

3/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401832

XXX

$XXX

11/XX/1996

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401896

XXX

$XXX

2/XX/1999

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401895

XXX

$XXX

7/XX/1998

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,297.79.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 4.99% per the Approval; however, the lowest index value available in the look back period is 5.01%.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401893

XXX

$XXX

4/XX/2003

Primary

Purchase

Yes

Loan Review Complete

96401894

XXX

$XXX

4/XX/2003

Primary

Purchase

Yes

Loan Review Complete

96401866

XXX

$XXX

4/XX/2003

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401865

XXX

$XXX

6/XX/1998

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401864

XXX

$XXX

12/XX/1997

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $220.09.
EXCEPTION INFO: Unable to determine reason for under disclosure due to missing itemization or prepaid finance charges.

[1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1997 used as disbursement date for compliance testing.
REVIEWER - CLEARED COMMENT (2021-04-14): Received Title Co. Closing Statement.

[1] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.
REVIEWER - CLEARED COMMENT (2021-04-14): Received Title Co. Closing Statement.

Loan Review Complete

96401863

XXX

$XXX

6/XX/1998

Primary

Purchase

Loan Review Complete

96401862

XXX

$XXX

4/XX/2003

Primary

Purchase

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

Loan Review Complete

96401861

XXX

$XXX

12/XX/1996

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96401860

XXX

$XXX

8/XX/1999

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401859

XXX

$XXX

12/XX/1999

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,068.90.
EXCEPTION INFO: Unable to determine under disclosure due to missing amortization schedule from file

[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Loan Review Complete

96401335

XXX

$XXX

12/XX/1997

Primary

Purchase

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 8.09400% is overdisclosed from calculated APR of 7.82100% outside of 0.125% tolerance.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $10,186.90.
EXCEPTION INFO: Closing instructions indicate the Index used was 5.040%. The closest Index available in our look-back period is 5.07%.

Loan Review Complete

96402119

XXX

$XXX

10/XX/1998

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402120

XXX

$XXX

6/XX/2003

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Desk-Top Review / Valuation Report Date: 12/XX/2002

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402118

XXX

$XXX

3/XX/2000

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96402117

XXX

$XXX

6/XX/2003

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401570

XXX

$XXX

6/XX/2003

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401569

XXX

$XXX

6/XX/2003

Primary

Purchase

Yes

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $304.15.
EXCEPTION INFO: TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects $XXX.
REVIEWER - GENERAL COMMENT (2021-04-14): Exception Detail Updated from: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.

Loan Review Complete

96401568

XXX

$XXX

6/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401567

XXX

$XXX

3/XX/2002

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96401566

XXX

$XXX

6/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401564

XXX

$XXX

4/XX/1995

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401681

XXX

$XXX

8/XX/1997

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $3,247.70.
EXCEPTION INFO: Under disclosure due to variance in Lender’s final TIL reflects 311 Monthly Payments of $1,072.49 and 311 calculated payments of $1,080.27. Additionally, unable to determine an under disclosure of prepayment charge/fees in the amount of $814.00 due to missing itemization of amount financed.

Loan Review Complete

96401680

XXX

$XXX

1/XX/2000

Primary

Purchase

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96401565

XXX

$XXX

8/XX/2002

Primary

Construction-Permanent

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401679

XXX

$XXX

6/XX/2003

Primary

Purchase

Loan Review Complete

96401678

XXX

$XXX

11/XX/1998

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401676

XXX

$XXX

6/XX/1993

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.

[2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $430.43.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed.

Loan Review Complete

96401677

XXX

$XXX

5/XX/1996

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $334.60.
EXCEPTION INFO: Unable to determine fee portion under disclosure due to missing Itemization of Amount financed

Loan Review Complete

96401675

XXX

$XXX

11/XX/1998

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401301

XXX

$XXX

2/XX/2000

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401302

XXX

$XXX

10/XX/1999

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401300

XXX

$XXX

11/XX/2001

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401298

XXX

$XXX

4/XX/2002

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401297

XXX

$XXX

10/XX/1998

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401299

XXX

$XXX

3/XX/2002

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 03/XX/2002

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $2,911.19.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed.

Loan Review Complete

96401295

XXX

$XXX

1/XX/2001

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $2,068.33.
EXCEPTION INFO: Unable to determine cause of under disclosure due to missing amortization schedule.

Loan Review Complete

96401296

XXX

$XXX

6/XX/1999

Second Home

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $153.09.
EXCEPTION INFO: Under disclosure due to variance in Lender’s final TIL reflects 347 Monthly Payments of $858.05 and 347 calculated payments of $864.13. Additionally, prepayment charge/fees were over disclosed in the amount of $1,966.75.

Loan Review Complete

96402095

XXX

$XXX

2/XX/2002

Primary

Purchase

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 02/XX/2002

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402094

XXX

$XXX

1/XX/2002

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $496.97.
EXCEPTION INFO: Payment stream portion of under disclosure is index related. The Approval indicates the Index used was 4.072%; however, the closest Index available in our look-back period is 3.68667%. Unable to determine fee portion of under disclosure as Itemization of Amount Financed provided does not break down prepaid finance charges.

Loan Review Complete

96402093

XXX

$XXX

2/XX/1994

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

Loan Review Complete

96402092

XXX

$XXX

11/XX/1998

UTD

Refinance UTD

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1998 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96402091

XXX

$XXX

7/XX/1997

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96402090

XXX

$XXX

7/XX/1998

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96402089

XXX

$XXX

2/XX/1999

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402087

XXX

$XXX

7/XX/1997

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96401240

XXX

$XXX

1/XX/1998

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/1998 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $3,863.10.
EXCEPTION INFO: The Approval indicates the Index used was 4.949%. The lowest Index available within the look-back period is 5.04%.

Loan Review Complete

96402088

XXX

$XXX

7/XX/2001

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401239

XXX

$XXX

3/XX/2000

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type.: Valuation Type: Drive By / Valuation Report Date: 03/XX/2000 Condo (Low Rise)

[2] State Compliance - Massachusetts Late Charge Percent Testing: Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%.

[2] State Compliance - Massachusetts Prepayment Penalty: Massachusetts Prepayment Penalty: A prepayment penalty is not permissible on a partial prepayment. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $4,825.60.
EXCEPTION INFO: Documentation in file reflects the lender used an index of 4.78% however 4.75% is the lowest available in the lookback period.

Loan Review Complete

96401238

XXX

$XXX

2/XX/2002

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401236

XXX

$XXX

11/XX/1996

Investment

Refinance Cash-out - Other

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1996 which is 0 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401237

XXX

$XXX

7/XX/1996

Investment

Refinance Cash-out - Debt Consolidation

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96401235

XXX

$XXX

1/XX/1997

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,661.04.
EXCEPTION INFO: Loan Approval indicates the index used was 4.835 %. The closest index available in our look-back period is 4.842%. Unable to determine under disclosure of $80.57 due to missing Itemization of Amount Financed.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96401234

XXX

$XXX

12/XX/1998

Investment

Refinance Cash-out - Other

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] State Compliance - Maryland Late Charge Grace Period Testing: Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] State Compliance - Maryland Late Charge Percent and Amount Testing: Maryland Late Charge: Note late charge of 6.00000% exceeds state maximum of 5% or $2, whichever is greater.

Loan Review Complete

96401232

XXX

$XXX

2/XX/2002

Investment

Refinance Cash-out - Other

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 02/XX/2002

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96401233

XXX

$XXX

7/XX/1999

Primary

Purchase

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401704

XXX

$XXX

7/XX/2003

Primary

Purchase

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401702

XXX

$XXX

12/XX/1999

Primary

Purchase

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1999 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401703

XXX

$XXX

8/XX/1998

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of 11.95000%. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $6,189.14.
EXCEPTION INFO: Approval indicates the Index used was 4.917%. The closest Index available in our look-back period is 4.881%.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/1998, prior to three (3) business days from transaction date of 08/XX/1998.

Loan Review Complete

96401701

XXX

$XXX

5/XX/2001

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401260

XXX

$XXX

8/XX/1993

Primary

Refinance Rate/Term

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $2,153.77.
EXCEPTION INFO: Under disclosure due to TIL disclosed utilizing an index lower that available within look back. Lowest index within look back is 4.05%.

Loan Review Complete

96401700

XXX

$XXX

12/XX/2001

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401259

XXX

$XXX

11/XX/2001

Primary

Purchase

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96401256

XXX

$XXX

3/XX/2002

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96401258

XXX

$XXX

3/XX/2002

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401257

XXX

$XXX

11/XX/2001

Investment

Refinance Cash-out - Other

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - North Carolina First Lien Late Charge Grace Period Testing: North Carolina Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] State Compliance - North Carolina First Lien Late Charge Percent Testing: North Carolina Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 4%.

Loan Review Complete

96401254

XXX

$XXX

10/XX/2001

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $3,497.11.
EXCEPTION INFO: Approval indicates the Index used was 4.274%. The closest Index available in our look-back period is 4.106%.

Loan Review Complete

96401255

XXX

$XXX

4/XX/2000

Primary

Purchase

Yes

Loan Review Complete

96401253

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401775

XXX

$XXX

6/XX/1997

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96401776

XXX

$XXX

3/XX/1997

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] State Compliance - Maryland Prepayment Penalty Test: Maryland Prepayment Penalty: Maximum calculated prepay of $1,344.00 exceeds the state maximum of 2 months interest calculated on 2/3 of the original balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96401778

XXX

$XXX

7/XX/2003

Primary

Purchase

Yes

Loan Review Complete

96401774

XXX

$XXX

8/XX/1999

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401773

XXX

$XXX

11/XX/1999

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96401770

XXX

$XXX

4/XX/2002

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96401772

XXX

$XXX

11/XX/2000

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Holder's right to foreclose, Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,707.02.
EXCEPTION INFO: Lender used an index from approval of 5.28% vs the lowest available in lookback was 5.37%.

Loan Review Complete

96401771

XXX

$XXX

9/XX/2001

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401649

XXX

$XXX

6/XX/2002

Second Home

Purchase

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 06/XX/2002

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $2,694.10.
EXCEPTION INFO: Approval indicates the Index used was 2.607%. The closest Index available in our look-back period is 2.98%.

Loan Review Complete

96401648

XXX

$XXX

7/XX/2003

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401647

XXX

$XXX

12/XX/1996

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $214.00.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed.

Loan Review Complete

96401646

XXX

$XXX

3/XX/2000

Primary

Purchase

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 03/XX/2000

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $378.65.
EXCEPTION INFO: Unable to determine under disclosure due to missing detailed itemization of amount financed.

Loan Review Complete

96401404

XXX

$XXX

8/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401958

XXX

$XXX

7/XX/2001

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96401489

XXX

$XXX

4/XX/1996

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96401386

XXX

$XXX

11/XX/1993

UTD

Refinance UTD

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1993 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96401387

XXX

$XXX

10/XX/2003

Primary

Purchase

Loan Review Complete

96402157

XXX

$XXX

11/XX/2002

Primary

Purchase

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 09/XX/2002

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402154

XXX

$XXX

7/XX/2002

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402156

XXX

$XXX

10/XX/2002

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402155

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402152

XXX

$XXX

3/XX/1996

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96402153

XXX

$XXX

4/XX/1995

Primary

Purchase

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Holder's right to foreclose, Homestead Exemption Waiver

[2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.20500% is underdisclosed from calculated APR of 7.55130% outside of 0.125% tolerance.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $6,760.37.
EXCEPTION INFO: Unable to determine underdisclosure due to missing amortization schedule.

Loan Review Complete

96402151

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401931

XXX

$XXX

1/XX/2004

Primary

Purchase

[2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 6.54500% is underdisclosed from calculated APR of 6.80743% outside of 0.125% tolerance.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $3,641.58.
EXCEPTION INFO: Under disclosure due to lender TIL reflects MI rate of 0% for 360 months and the calculated TIL reflects MI rate of .39% for 108 months.

Loan Review Complete

96401930

XXX

$XXX

1/XX/2003

Primary

Purchase

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 01/XX/2003

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401929

XXX

$XXX

1/XX/2001

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Connecticut Prepayment Penalty Test: Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $472.32.
EXCEPTION INFO: Unable to determine reason for under disclosure due to missing itemization of amount financed.

Loan Review Complete

96401928

XXX

$XXX

1/XX/2001

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.

[2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401458

XXX

$XXX

12/XX/2003

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 01/XX/2004.

Loan Review Complete

96401456

XXX

$XXX

3/XX/2003

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Rider - Other not provided
EXCEPTION INFO: Missing Conversion Rider

Loan Review Complete

96401977

XXX

$XXX

2/XX/2005

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401401

XXX

$XXX

10/XX/2007

Investment

Refinance Rate/Term

Loan Review Complete

96401892

XXX

$XXX

9/XX/2004

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401402

XXX

$XXX

5/XX/1992

Primary

Refinance Cash-out - Debt Consolidation

Loan Review Complete

96401403

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96402116

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401891

XXX

$XXX

5/XX/2003

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401890

XXX

$XXX

12/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2012

Loan Review Complete

96401889

XXX

$XXX

6/XX/2013

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401563

XXX

$XXX

6/XX/2013

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401562

XXX

$XXX

11/XX/2013

Primary

Purchase

Yes

Loan Review Complete

96401561

XXX

$XXX

12/XX/2013

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Massachusetts Late Charge Percent Testing: Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%.

[2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Funds Not Disbursed per Agreement): Massachusetts Mortgage Lender and Broker Regulations: Lender failed to disburse funds in accordance with the commitment or agreement with the borrower.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Unable to determine if the initial escrow account statement is compliant based on missing information.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.

[2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS.

Loan Review Complete

96401452

XXX

$XXX

1/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2012

Loan Review Complete

96401421

XXX

$XXX

4/XX/2013

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402081

XXX

$XXX

1/XX/2010

Primary

Refinance UTD

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2010 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96402084

XXX

$XXX

10/XX/2009

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96402050

XXX

$XXX

6/XX/2009

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401922

XXX

$XXX

5/XX/2008

Primary

Purchase

Loan Review Complete

96401924

XXX

$XXX

4/XX/2008

Primary

Purchase

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401954

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401955

XXX

$XXX

3/XX/2008

Primary

Refinance Rate/Term

Yes

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $283.09.
EXCEPTION INFO: TIL Itemization did not disclose $25.00 CPL Fee and $263.10 Title Service Fee as prepaid finance charges.

Loan Review Complete

96401527

XXX

$XXX

2/XX/2008

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401249

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401327

XXX

$XXX

9/XX/2007

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402051

XXX

$XXX

7/XX/2007

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401830

XXX

$XXX

6/XX/2007

UTD

Refinance UTD

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96401829

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401556

XXX

$XXX

6/XX/2007

Primary

Purchase

[2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96401329

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: TIL appears to be final but not signed nor initialed by borrower

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.
EXCEPTION INFO: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or
dated by borrower so cannot confirm that borrower received.

Loan Review Complete

96401555

XXX

$XXX

5/XX/2007

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96402052

XXX

$XXX

5/XX/2007

Primary

Purchase

Loan Review Complete

96401764

XXX

$XXX

4/XX/2007

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401858

XXX

$XXX

3/XX/2007

Primary

Refinance UTD

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96402114

XXX

$XXX

3/XX/2007

Primary

Purchase

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 03/XX/2007

Loan Review Complete

96402004

XXX

$XXX

2/XX/2007

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $540.04.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed.

Loan Review Complete

96402003

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401974

XXX

$XXX

12/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96401976

XXX

$XXX

12/XX/2006

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401426

XXX

$XXX

11/XX/2006

Primary

Purchase

Loan Review Complete

96401428

XXX

$XXX

11/XX/2006

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $35.01.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Loan Review Complete

96402022

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401427

XXX

$XXX

10/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96401644

XXX

$XXX

8/XX/2006

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401361

XXX

$XXX

7/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96401857

XXX

$XXX

7/XX/2006

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401595

XXX

$XXX

7/XX/2006

Primary

Purchase

[2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401362

XXX

$XXX

6/XX/2006

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402023

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401813

XXX

$XXX

6/XX/2006

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96402150

XXX

$XXX

2/XX/2006

Primary

Purchase

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

Loan Review Complete

96401504

XXX

$XXX

1/XX/2006

Primary

Purchase

Yes

Loan Review Complete

96401505

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401530

XXX

$XXX

8/XX/2005

Primary

Purchase

Yes

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $207.92.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount finance.

Loan Review Complete

96401975

XXX

$XXX

8/XX/2005

Investment

Refinance Cash-out - Debt Consolidation

Loan Review Complete

96401956

XXX

$XXX

6/XX/2005

Investment

Refinance Cash-out - Other

Yes

Loan Review Complete

96401957

XXX

$XXX

5/XX/2005

Primary

Purchase

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96402085

XXX

$XXX

3/XX/2005

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005.

Loan Review Complete

96402086

XXX

$XXX

2/XX/2005

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401251

XXX

$XXX

9/XX/2004

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401231

XXX

$XXX

10/XX/2002

Primary

Refinance Cash-out - Other

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

Loan Review Complete

96401697

XXX

$XXX

8/XX/2005

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401420

XXX

$XXX

11/XX/2013

Primary

Refinance Rate/Term

Yes

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $404.49.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed

Loan Review Complete

96401422

XXX

$XXX

3/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

Loan Review Complete

96401423

XXX

$XXX

2/XX/2013

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 02/XX/2013

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

Loan Review Complete

96401424

XXX

$XXX

2/XX/2013

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $643.06.
EXCEPTION INFO: The reason for the under disclosure is due to the Itemization of Amount Financed did not disclose settlement Closing Fee of $525.00, the Courier Fee of $45 or the $75 Origination fee in the Prepaid Finance Charges.

Loan Review Complete

96401454

XXX

$XXX

12/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty>

Loan Review Complete

96401453

XXX

$XXX

12/XX/2012

Primary

Refinance Rate/Term

Yes

[3] Credit Documentation - Missing Document: Credit Report not provided

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1

[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.

[2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.

Loan Review Complete

96401455

XXX

$XXX

8/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401425

XXX

$XXX

11/XX/2012

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.

[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.

Loan Review Complete

96401812

XXX

$XXX

1/XX/2012

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401356

XXX

$XXX

12/XX/2010

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401357

XXX

$XXX

11/XX/2010

Primary

Purchase

Yes

Loan Review Complete

96401358

XXX

$XXX

5/XX/2010

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

Loan Review Complete

96402082

XXX

$XXX

12/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402083

XXX

$XXX

11/XX/2009

Primary

Purchase

[2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

Loan Review Complete

96402146

XXX

$XXX

8/XX/2009

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96402147

XXX

$XXX

6/XX/2009

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96402148

XXX

$XXX

4/XX/2009

Primary

Purchase

Loan Review Complete

96402149

XXX

$XXX

3/XX/2009

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96401502

XXX

$XXX

1/XX/2009

Primary

Purchase

Loan Review Complete

96401503

XXX

$XXX

12/XX/2008

UTD

Purchase

Yes

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2008 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96401925

XXX

$XXX

5/XX/2008

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

Loan Review Complete

96401923

XXX

$XXX

5/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96402002

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Other

Yes

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401953

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401363

XXX

$XXX

5/XX/2006

Primary

Purchase

Loan Review Complete

96401385

XXX

$XXX

3/XX/2004

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401926

XXX

$XXX

2/XX/2008

Primary

Purchase

Yes

Loan Review Complete

96402115

XXX

$XXX

3/XX/2007

Primary

Purchase

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401727

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401729

XXX

$XXX

1/XX/2007

Primary

Purchase

Loan Review Complete

96401230

XXX

$XXX

6/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $70.07.
EXCEPTION INFO: TIL itemization did not disclose a courier fee of $50 and a recording fee of $20 as prepaid finance charge.

Loan Review Complete

96401927

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2005, prior to three (3) business days from transaction date of 12/XX/2005.

Loan Review Complete

96401643

XXX

$XXX

11/XX/2007

Primary

Purchase

Yes

Loan Review Complete

96401728

XXX

$XXX

1/XX/2007

Primary

Purchase

Loan Review Complete

96401247

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Other

Yes

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96401528

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401696

XXX

$XXX

8/XX/2005

Primary

Purchase

Loan Review Complete

96401248

XXX

$XXX

9/XX/2007

Primary

Purchase

Yes

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401698

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Other

Yes

[3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2005

[3] Credit Documentation - Missing Document: Credit Report not provided

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: TIL appears to be final but not signed nor initialed by borrower.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.
EXCEPTION INFO: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.

Loan Review Complete

96401699

XXX

$XXX

7/XX/2005

Primary

Refinance Rate/Term

Yes

Loan Review Complete

96401596

XXX

$XXX

9/XX/2006

Primary

Purchase

Loan Review Complete

96401359

XXX

$XXX

7/XX/2006

Primary

Refinance Cash-out - Other

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401250

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401487

XXX

$XXX

10/XX/2004

Primary

Refinance Rate/Term

Yes

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401488

XXX

$XXX

10/XX/2004

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401384

XXX

$XXX

4/XX/2004

Primary

Purchase

Loan Review Complete

96401383

XXX

$XXX

4/XX/2004

Primary

Purchase

Yes

Loan Review Complete

96401252

XXX

$XXX

8/XX/2004

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401328

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401516

XXX

$XXX

5/XX/2017

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required.

Loan Review Complete

96401664

XXX

$XXX

2/XX/2017

Primary

Refinance Cash-out - Debt Consolidation

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 09/XX/2016
Disaster End Date: 10/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2017
EXCEPTION INFO: Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/2017 declared end date.

[3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required.
EXCEPTION INFO: Two appraisals will be needed for Securitization and were not provided

[2] Insurance Analysis - Flood Insurance Policy expires within 90 days of the Note Date.: Flood Insurance Policy Expiration Date 01/XX/2017; Note Date 02/XX/2017
EXCEPTION INFO: Flood Insurance Policy expires within 90 days of the Note Date.Final CD collected 4 months of flood in reserves which is not enough to pay the amount due at time of closing. Evidence the 01/XX/17 Flood policy was renewed is not present.

[2] Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2017 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/02/XX/2017)
EXCEPTION INFO: Prepaid Interest is reflected to 02/XX/17; should be reflected to 03/01/17.

[2] Federal Compliance - TRID Final Closing Disclosure Total Closing Costs Exceeds Limits Amount: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2017 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Final/02/XX/2017)
EXCEPTION INFO: Final Closing Disclosure provided on 02/XX/2017 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Final/02/XX/2017)

[2] Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2017 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/02/XX/2017)
EXCEPTION INFO: Final CD reflects Closing Costs Financed on page two in the amount of $XXX; however, financed cost should read $XXX. The Borrower appraisal and credit fees POC of $424.88 were not financed.

[2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/01/XX/2017)
EXCEPTION INFO: The LE dated 01/XX/17 is presumed received 01/XX/17. The initial CD is dated 01/XX/17.

[2] Federal Compliance - TRID Service Provider Timing: TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application.
EXCEPTION INFO: Borrower did not receive a list of service providers within 3 business days of application.

Loan Review Complete

96401444

XXX

$XXX

8/XX/2016

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $29,298.19 is less than Cash From Borrower $XXX.
EXCEPTION INFO: Borrower had over $1000 in POC

[2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2016)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review

[2] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.
EXCEPTION INFO: No evidence of receipt was located in the file.

[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,306.28 exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $137.45 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7564)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee. Fee Amount of $20.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75209)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,269.31 exceeds tolerance of $2,165.00. Insufficient or no cure was provided to the borrower. (8304)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Abstract / Title Search. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7754)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75174)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review

XXX

Loan Review Complete

96401244

XXX

$XXX

3/XX/2016

Primary

Refinance Cash-out - Home Improvement

Temporary SHQM (GSE/Agency Eligible)

Yes

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.
EXCEPTION INFO: Unable to determine the Rate Lock date due to missing information.

[2] Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2016 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/03/XX/2016)
EXCEPTION INFO: Final Closing Disclosure identifies 23 days of interest ($496.34). However the time period of 03/XX/16 - 03/XX/16 covers 22 days. PCCD dated 05/XX/2016 correctly identifies Prepaid Interest of $474.76. Letter of Explanation to borrower required to cure.

[2] Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2016 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/03/XX/2016)
EXCEPTION INFO: Closing Cost Financed on the final Closing Disclosure is incorrect.

[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/02/XX/2016)
EXCEPTION INFO: The last Initial Closing Disclosure was issued 1 day before the Final Closing Disclosure.

Loan Review Complete

96401911

XXX

$XXX

7/XX/2015

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 10/XX/2012
Disaster End Date: 11/XX/2012

[3] Income Documentation - Income Docs Missing:: Borrower: XXX, Borrower: XXX VVOE - Employment Only
Paystubs (2015), VVOE - Employment Only, W-2 (2013), W-2 (2014)
EXCEPTION INFO: Missing the VVOE

[3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required.

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Approval not provided

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Application / Processing - Missing Document: Fraud Report not provided

[3] Loan File - Missing Document: Hazard Insurance Policy not provided

[3] Application / Processing - Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

[3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Application / Processing - Missing Document: Missing Lender's Initial 1003

[2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.
EXCEPTION INFO: Late charge fee of 5% exceeds the max allowed of 2% for the state of NY.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.

[2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.

#REF!

XXX

Loan Review Complete

96401912

XXX

$XXX

4/XX/2015

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401913

XXX

$XXX

2/XX/2015

Primary

Refinance Cash-out - Home Improvement

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Closing / Title - Title Error: Title vesting does not concur with deed
EXCEPTION INFO: The borrower's name on the security instrument is XXX. On the final title policy, it is XXX.

[2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.
EXCEPTION INFO: The Escrow Account Information section on page 1 of the final GFE indicates no escrow account although escrows are disclosed in Box 9 on page 2.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $153.28.

[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Loan Review Complete

96401914

XXX

$XXX

2/XX/2015

Primary

Refinance Rate/Term

Safe Harbor QM

Yes

[3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required.
EXCEPTION INFO: The loan was approved with 1 appraisal, however, two will be required for securitization.

[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/02/XX/2015)

[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2015)

[2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
EXCEPTION INFO: Disclosure not provided to Borrower.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.
EXCEPTION INFO: Rate Lock not provided.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.
EXCEPTION INFO: Required available through date is 12/XX/2014

[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.
EXCEPTION INFO: Correct Loan Amount is $XXX. GFE shows $XXX

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.
EXCEPTION INFO: Correct payment is $424.45. GFE shows $425.40.

Reviewed with Exceptions

96401412

XXX

$XXX

12/XX/2014

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 01/XX/2008
Disaster End Date: 03/XX/2008

[3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required.

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[3] Application / Processing - Missing Document: Approval not provided

[3] Credit Documentation - Missing Document: Credit Report not provided

[3] Application / Processing - Missing Document: Flood Certificate not provided

[3] Loan File - Missing Document: Hazard Insurance Policy not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.

[2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
EXCEPTION INFO: No hazard policy located in the file

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).

[2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.

[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.

[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401413

XXX

$XXX

11/XX/2014

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required.
EXCEPTION INFO: The file is missing a copy of the secondary valuation required for securitization purposes.

[2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
EXCEPTION INFO: No evidence of cure provided.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

Loan Review Complete

96402139

XXX

$XXX

5/XX/2014

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 09/XX/2017
Disaster End Date: 10/XX/2017

[3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required.
EXCEPTION INFO: Two appraisals will be needed for Securitization and were not provided.

[3] Appraisal Documentation - Missing Document: Appraisal not provided

[2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
EXCEPTION INFO: Disclosure provided only reflects 5 agencies; 10 is required.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
EXCEPTION INFO: Disclosure not located in the file.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,532.66.

Loan Review Complete

96402141

XXX

$XXX

4/XX/2014

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 03/XX/2014
Disaster End Date: 02/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 01/XX/2018

[3] Appraisal Documentation - Loan is to go into a securitization and secondary valuation is required. The secondary valuation in file is an invalid AVM (FSD is not 20% or less). Loan will require a supporting desk review or better.
EXCEPTION INFO: Two appraisals will be needed for Securitization and were not provided.

Loan Review Complete

96402142

XXX

$XXX

2/XX/2014

Primary

Refinance Limited Cash-out GSE

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Appraisal Documentation - Loan is to go into a securitization and secondary valuation is required. The secondary valuation in file is an invalid AVM (FSD is not 20% or less). Loan will require a supporting desk review or better.
EXCEPTION INFO: Two appraisals will be needed for Securitization and were not provided.

Loan Review Complete

96401920

XXX

$XXX

5/XX/2017

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Application / Processing - Missing Document: Fraud Report not provided
EXCEPTION INFO: Unable to locate Fraud report

[1] Appraisal Documentation - Loan is to be securitized. Loan is seasoned and is missing an updated valuation.; Sec ID: 78: Note Date: 05/XX/2017; Lien Position: 1
EXCEPTION INFO: Missing updated valuation.
REVIEWER - CLEARED COMMENT (2020-08-12): Received a Proteck BPO dated 7/XX/2020 that provided a value with a 22% variance from the appraised value, value supported.

Loan Review Complete

96401246

XXX

$XXX

1/XX/2016

Primary

Refinance Rate/Term

Non QM

Yes

[3] Application / Processing - Missing Document: Fraud Report not provided

[1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.
REVIEWER - CLEARED COMMENT (2020-08-12): Received copy of the post disaster inspection showing no damage.

[1] Appraisal Documentation - Loan is to be securitized. Loan is seasoned and is missing an updated valuation.; Sec ID: 78: Note Date: 01/XX/2016; Lien Position: 1
REVIEWER - CLEARED COMMENT (2020-08-13): BPO provided, exception cleared.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,537.15 exceeds tolerance of $2,536.00. Sufficient or excess cure was provided to the borrower at Closing. (8304)
REVIEWER - CURED COMMENT (2020-07-21): Sufficient Cure Provided At Closing

[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,064.38 exceeds tolerance of $4,035.00. Sufficient or excess cure was provided to the borrower at Closing. (7200)
REVIEWER - CURED COMMENT (2020-07-21): Sufficient Cure Provided At Closing

XXX

Loan Review Complete

96401229

XXX

$XXX

7/XX/2018

Second Home

Purchase

Non QM

Yes

[3] Application / Processing - Missing Document: Fraud Report not provided
EXCEPTION INFO: Missing fraud report.

[3] Income Documentation - REO Documents are missing.: Address: XXX, NJ Statement

[2] Appraisal Documentation - Loan is to be securitized. Supporting secondary BPO was provided.; Sec ID: 5: Note Date: 07/XX/2018; Lien Position: 1

[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/07/XX/2018)
EXCEPTION INFO: Missing evidence of earlier borrower receipt.

[1] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2: Note Date: 07/XX/2018; Lien Position: 1
EXCEPTION INFO: Missing updated valuaton.
REVIEWER - CLEARED COMMENT (2020-08-20): An updated valuation product, a BPO, was provided as a secondary valuation.

#REF!

[2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-458.98 is less than amount of binding Lender Credit previously disclosed in the amount of $-484.00. (9300)
EXCEPTION INFO: Lender credit was last disclosed as -$484.00 on LE but reduced to -$458.98 on final CD. No valid COC .
REVIEWER - CURED COMMENT (2020-07-22): Lender provided credit at closing of $43.97

[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,522.20 exceeds tolerance of $3,503.00. Sufficient or excess cure was provided to the borrower at Closing. (8304)
EXCEPTION INFO: Credit provided at closing.
REVIEWER - CURED COMMENT (2020-07-22): Sufficient Cure Provided At Closing

Appraisal: HOA is $475 per Condo Questionnaire, not $425 as shown on appraisal

XXX

Loan Review Complete

96401380

XXX

$XXX

10/XX/2015

Primary

Refinance Cash-out - Other

Non QM

Yes

[3] Application / Processing - Missing Document: Fraud Report not provided

[3] Appraisal Data Integrity - Square feet on the Appraisal does not match the square feet on the BPO.: Valuation Type: BPO / Valuation Report Date: 07/XX/2020
EXCEPTION INFO: Large discrepancy in square footage. Appraisal reflects XXX square feet; the BPO states XXX.

[2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.
EXCEPTION INFO: Loan designation restated as non-qm.

[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2015)
EXCEPTION INFO: The final appraisal dated 10/XX/2015 was provided on 10/XX/2015, one day prior to close.

[2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1
EXCEPTION INFO: The Lender provided $1,250.00 cure at close.

[1] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.
EXCEPTION INFO: Loan designation restated as non-qm.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.
EXCEPTION INFO: The documentation verifying the borrowers' business income was insufficient.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status using reasonably reliable third-party records. (XXX,XXX/Partnership)
EXCEPTION INFO: The loan file is missing third party verification of this business.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Appraisal Documentation - Loan is to be securitized. Loan is seasoned and is missing an updated valuation.; Sec ID: 78: Note Date: 10/XX/2015; Lien Position: 1
EXCEPTION INFO: Missing updated valuation.
REVIEWER - CLEARED COMMENT (2020-08-17): Received a Proteck BPO dated 7/XX/2020 that provided a value with a -9% variance from the appraised value, value supported.

[1] Federal Compliance - NonQM ATR: Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.
EXCEPTION INFO: The documentation verifying the borrowers' business income was insufficient.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership)
EXCEPTION INFO: Missing YTD P&L and balance sheet. Lender approved exception.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership)
EXCEPTION INFO: Missing YTD P&L and balance sheet. Lender approved exception.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership)
EXCEPTION INFO: Missing YTD P&L and balance sheet. Lender approved exception.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership)
EXCEPTION INFO: Missing YTD P&L and balance sheet. Lender approved exception.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,/Partnership)
EXCEPTION INFO: Missing YTD P&L and balance sheet. Lender approved exception.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership)
EXCEPTION INFO: Missing YTD P&L and balance sheet. Lender approved exception.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership)
EXCEPTION INFO: Missing YTD P&L and balance sheet. Lender approved exception.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - S-Corp Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX,XXX/S-Corp)
EXCEPTION INFO: Missing YTD P&L and balance sheet. Lender approved exception.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - S-Corp Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX,XXX/S-Corp)
EXCEPTION INFO: Missing YTD P&L and balance sheet. Lender approved exception.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - Self Employed Financial Strength: Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (XXX,XXX/Partnership)
EXCEPTION INFO: The monthly average income declined from $939.00 in 2013 to $575.92 in 2014.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - Self Employed Financial Strength: Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (XXX,XXX/Partnership)
EXCEPTION INFO: The income declined from $12,677.00 in 2013 to $9,928.00 in 2014.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

[1] Federal Compliance - Self Employed Financial Strength: Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (XXX,XXX/S-Corp)
EXCEPTION INFO: The income declined from -$2,051.00 in 2013 to -$11,249.00 in 2014.
REVIEWER - CLEARED COMMENT (2020-10-16): Loan designation restated as non-qm.

#REF!

XXX

Loan Review Complete

96401228

XXX

$XXX

8/XX/2018

Primary

Purchase

Non QM

Yes

[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.
EXCEPTION INFO: Missing P&L and balance sheet. Missing verification of self employment.

[3] Application / Processing - Missing Document: Fraud Report not provided

[3] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership)
EXCEPTION INFO: Missing 2018 YTD P&L and balance sheet.

[2] Appraisal Documentation - Loan is to be securitized. Supporting secondary BPO was provided.; Sec ID: 5: Note Date: 08/XX/2018; Lien Position: 1
BUYER - GENERAL COMMENT (2020-08-27): BPO provided to secondary valuation exception
REVIEWER - GENERAL COMMENT (2020-08-27): AVM or CDA was not provided.

[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/08/XX/2018)
EXCEPTION INFO: Evidence of earlier borrower receipt was not proivded.

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $722.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349)
EXCEPTION INFO: Provide evidence of cure for Extension Fee.

[1] Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status using reasonably reliable third-party records. (XXX,XXX/Partnership)
EXCEPTION INFO: Missing 3rd party verification of self employment.
REVIEWER - CLEARED COMMENT (2020-09-15): Received verification of the borrower's business.

[1] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2: Note Date: 08/XX/2018; Lien Position: 1
EXCEPTION INFO: Missing secondary valuation.
REVIEWER - CLEARED COMMENT (2020-08-18): BPO provided as an updated valuation.

[1] Federal Compliance - NonQM ATR: Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.
EXCEPTION INFO: Loan is at ATR risk due to employment verification documentation.
REVIEWER - CLEARED COMMENT (2020-09-15): Received verification of the borrower's business.

[1] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/5639813)
EXCEPTION INFO: The documentation entered for this income source lacks sufficient date/duration information to verify the 2 year history as required by Appendix Q.
REVIEWER - CLEARED COMMENT (2020-09-15): Received verification of the borrower's business.

#REF!

XXX

Loan Review Complete

96401919

XXX

$XXX

6/XX/2017

Primary

Purchase

Non QM

Yes

[3] Application / Processing - Missing Document: Fraud Report not provided

[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 04/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 03/XX/2017. (XXX,XXX/Partnership)
EXCEPTION INFO: No documentation in file that 2016 business returns were extended. Lender to provide proof of extension or 2016 returns for business.

[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 04/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 03/XX/2017. (XXX,XXX/Partnership)
EXCEPTION INFO: No documentation in file that 2016 business returns were extended. Lender to provide proof of extension or 2016 returns for business.

[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/05/XX/2017)
EXCEPTION INFO: Evidence of earlier receipt missing from file, no evidence incomplete CD doc 50 was provided to borrower.

[1] Appraisal Documentation - Loan is to be securitized. Loan is seasoned and is missing an updated valuation.; Sec ID: 78: Note Date: 06/XX/2017; Lien Position: 1
REVIEWER - CLEARED COMMENT (2020-08-19): Received a Proteck BPO dated 7/XX/2020 that provided a value with a -3% variance from the appraised value, value supported.

#REF!

XXX

Loan Review Complete

96401921

XXX

$XXX

8/XX/2016

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Appraisal Documentation - Loan is to be securitized. Loan is seasoned and is missing an updated valuation.; Sec ID: 78: Note Date: 08/XX/2016; Lien Position: 1
EXCEPTION INFO: Missing updated valuation.

[3] Application / Processing - Missing Document: Fraud Report not provided

[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2016)
EXCEPTION INFO: Missing evidence of appraisal delivery to the borrower.

[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/08/XX/2016)
EXCEPTION INFO: Evidence of earlier borrower receipt was not provided.

Loan Review Complete

96401526

XXX

$XXX

4/XX/2018

Primary

Purchase

Non QM

Yes

[3] Mortgage / Program Eligibility - Guideline Requirement: Combined High loan to value discrepancy.: Calculated high loan to value percentage of 90.00000% exceeds Guideline high loan to value percentage of 85.00000%
EXCEPTION INFO: LTV/CLTV of 90% exceeds guideline max of 85%.

[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 85.00000%.
EXCEPTION INFO: LTV/CLTV of 90% exceeds guideline max of 85%.

[3] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 85.00000%.
EXCEPTION INFO: Non-QM GLs (beginning on page 102/171) identify a max LTV of 85% for the South Region.

[3] Appraisal Documentation - Loan is to be securitized. Loan is seasoned and is missing an updated valuation.; Sec ID: 78: Note Date: 04/XX/2018; Lien Position: 1
EXCEPTION INFO: Missing updated valuation.

[3] Application / Processing - Missing Document: Fraud Report not provided

XXX

Loan Review Complete

96401382

XXX

$XXX

3/XX/2014

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[3] Appraisal Documentation - Loan is to be securitized. Loan is seasoned and is missing an updated valuation.; Sec ID: 78: Note Date: 03/XX/2014; Lien Position: 1
EXCEPTION INFO: The file is missing a copy of the updated valuation required for securitization purposes.

[3] Application / Processing - Missing Document: Fraud Report not provided
EXCEPTION INFO: Required fraud report was not provided

Loan Review Complete

96401381

XXX

$XXX

3/XX/2015

Primary

Purchase

Safe Harbor QM

Yes

[3] Income Documentation - Income Docs Missing:: Borrower: XXX W-2 (2013)
EXCEPTION INFO: 2013 W-2 not provided. Per guidelines, W-2s for most recent 2 years are required.

[3] Appraisal Documentation - Loan is to be securitized. Loan is seasoned and is missing an updated valuation.; Sec ID: 78: Note Date: 03/XX/2015; Lien Position: 1
EXCEPTION INFO: The file is missing a copy of the secondary valuation required for securitization purposes.

[3] Application / Processing - Missing Document: Fraud Report not provided
EXCEPTION INFO: The file is missing a copy of the required fraud report including all interested parties to the transaction.

[2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/5650644)
EXCEPTION INFO: The borrower's start date with the prior employer is not verified on the VVOE provided.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
EXCEPTION INFO: Neither a copy of the booklet nor acknowledgment of receipt is found in the loan images.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $292.50.
EXCEPTION INFO: The calculated finance charge includes Buyer-Retained Attorney Fee ($366.50), which is not included in the lender's calculation. The lender's calculation includes Recording Fee ($74.00). The different handling of these fees account for the $292.50 discrepancy.

#REF!

XXX

Loan Review Complete

96402140

XXX

$XXX

3/XX/2014

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401525

XXX

$XXX

4/XX/2018

Primary

Refinance Cash-out - Home Improvement

Non QM

Yes

[3] Appraisal Documentation - Loan is to be securitized. Loan is seasoned and is missing an updated valuation.; Sec ID: 78: Note Date: 04/XX/2018; Lien Position: 1

[3] Application / Processing - Missing Document: Fraud Report not provided

[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/03/XX/2018)
EXCEPTION INFO: Evidence of earlier receipt missing from file.

[2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 03/XX/2018 not received by borrower at least four (4) business days prior to closing. (Interim/03/XX/2018)
EXCEPTION INFO: Evidence of earlier receipt missing from file.

XXX

Loan Review Complete

96401834

XXX

$XXX

5/XX/2014

Primary

Refinance Rate/Term

Non QM

Yes

[1] Credit Documentation - Aged document: Credit Report is more than 90 days prior to the note date.: Credit Report: Original // Borrower: XXX
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Guideline Issue - Aged document: Primary Valuation is older than guidelines permit: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2013
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.
EXCEPTION INFO: Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/07/XX/2013)
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower’s ability to repay not verified with reliable documentation.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1
EXCEPTION INFO: Sufficient Cure Provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Retirement Continuance: Qualified Mortgage (Dodd-Frank 2014): Retirement or Social Security income not expected to continue for three (3) years. (XXX,XXX/Pension)
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

XXX

Loan Review Complete

96401332

XXX

$XXX

4/XX/2018

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401767

XXX

$XXX

8/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $550.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages

Loan Review Complete

96401833

XXX

$XXX

6/XX/2014

Primary

Refinance Rate/Term

Safe Harbor QM

Yes

[1] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 10/XX/2016
Disaster End Date: 10/XX/2016
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] State Compliance - North Carolina First Lien Late Charge Percent Testing: North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $176.89.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401710

XXX

$XXX

12/XX/2014

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
EXCEPTION INFO: GRMA/GA Res. Fee of $10 calculated in wrong section of final HUD
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
EXCEPTION INFO: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] General - Valuation address does not match Note address.: Valuation Type: Appraisal / Valuation Report Date: 11/XX/2014
EXCEPTION INFO: Note states XXX and 1004 states XXX
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401707

XXX

$XXX

2/XX/2015

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401709

XXX

$XXX

1/XX/2015

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.
EXCEPTION INFO: GFE issued on 12/XX/2014 shows available though date of 12/XX/2014 which is less that the minimum 10 business days required.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.
EXCEPTION INFO: The file is missing a copy of this disclosure.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $425.14.
EXCEPTION INFO: Final TIl Finance charge does not consider the discount point fee of $425.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Temporary SHQM (GSE/Agency Eligible).
EXCEPTION INFO: Please provide evidence of the Originator Loan Designation as documentation was not provided in the loan file.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

XXX

Loan Review Complete

96401708

XXX

$XXX

12/XX/2014

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Loan File - Missing Document: Hazard Insurance Policy not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.
EXCEPTION INFO: GFE issued on 11/XX/2014 shows available through date of 12/XX/2014 which is less than the minimum 10 business days required.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401706

XXX

$XXX

3/XX/2015

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $2,104.60.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401705

XXX

$XXX

4/XX/2015

Investment

Refinance Rate/Term

N/A

[1] Guideline Issue - Employment was not verified within 10 days of the note date.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/2001
EXCEPTION INFO: Work # VOE is dated 04/XX/2015
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 09/XX/2003
Disaster End Date: 09/XX/2003
EXCEPTION INFO: The property is located in XXX, DE. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after 09/XX/2003.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided
EXCEPTION INFO: Mortgage was provided, missing note
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Income Documentation - REO Documents are missing.: Address: XXX, DE XXX, Address: XXX, DE Lease Agreement
Insurance Verification, Tax Verification
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

XXX

Loan Review Complete

96402126

XXX

$XXX

8/XX/2015

Primary

Refinance Rate/Term

Safe Harbor QM

Yes

[1] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 07/XX/2015
Disaster End Date: 06/XX/2016
Disaster Name: XXX
Disaster Declaration Date: 06/XX/2016
EXCEPTION INFO: The property is located in XXX, TX. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after 06/XX/2016.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
EXCEPTION INFO: Missing Replacement Cost Estimator to determine Lender's value.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: Approval not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: AUS not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Appraisal: Change license dates in the system to reflect that of the time period

XXX

Loan Review Complete

96402125

XXX

$XXX

9/XX/2015

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible).
EXCEPTION INFO: Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible).
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Miscellaneous - Credit Exception:
EXCEPTION INFO: Document in file states borrower has child support arrears as of 2007 not addressed. Further, Notice of Tax Liens in file with re-file dates of 2019 & 2020 not addressed.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 10/XX/2007
Disaster End Date: 08/XX/2007
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Loan File - Missing Document: Hazard Insurance Policy not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXX
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.
EXCEPTION INFO: GFE does not reflect an Appraisal Fee of $450 vs GFE column of HUD -1 which reflects an Appraisal Fee was disclosed. GFE discloses Daily Interest of $41.52 vs. GFE HUD-1 column which reflects $132.64.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RTC Executed: TILA - Right To Cancel: Loan file contains evidence consumer rescinded loan.
EXCEPTION INFO: B1 RTC's in file reflect the borrower signed on the "I wish to Cancel Loan" line
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.
EXCEPTION INFO: H-8 form utilized vs H-9. Title report reflects same lender refinance.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
EXCEPTION INFO: B3's RTC reflects date of 9/XX/2015 & 9/XX/2015 vs. actual dates of 9/XX/2015 and 9/XX/2015
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

XXX

Loan Review Complete

96402124

XXX

$XXX

11/XX/2015

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 10/XX/2012
Disaster End Date: 11/XX/2012
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,914.39.
EXCEPTION INFO: This appears to be caused by the property taxes paid at closing
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Temporary SHQM (GSE/Agency Eligible).
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

XXX

Loan Review Complete

96402123

XXX

$XXX

1/XX/2016

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96402121

XXX

$XXX

5/XX/2016

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96402122

XXX

$XXX

1/XX/2016

Primary

Refinance Cash-out - Other

Safe Harbor QM

Yes

[1] Loan File - Missing Document: Hazard Insurance Policy not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: Missing Lender's Initial 1003
EXCEPTION INFO: Initial 1003 is not signed or dated.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/5807929)
EXCEPTION INFO: Missing previous employment dates for Wells Fargo
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/12/XX/2015)
EXCEPTION INFO: initial Closing Disclosure dated 12/XX/2016 not given to borrower 3 days prior to closing
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

XXX

Loan Review Complete

96402059

XXX

$XXX

6/XX/2016

Primary

Purchase

Safe Harbor QM

Yes

[1] Credit Documentation - Aged document: Credit Report is more than 90 days prior to the note date.: Credit Report: Original // Borrower: XXX
EXCEPTION INFO: Most recent credit report is dated 02/XX/2016. Note date is 06/XX/2016.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
EXCEPTION INFO: Missing the AUS that matches the terms of the loan.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Mortgage / Program Eligibility - AUS Findings: Combined High loan to value discrepancy.: Calculated high loan to value percentage of 134.25590% exceeds AUS high loan to value percentage of 95.00000%
EXCEPTION INFO: Missing AUS that matches the terms of the loan.
REVIEWER - CLEARED COMMENT (2020-10-05): After further review exception has been cleared

[1] Mortgage / Program Eligibility - AUS Findings: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 134.25590% exceeds AUS combined loan to value percentage of 95.00000%.
EXCEPTION INFO: Missing AUS that matches the terms of the loan.
REVIEWER - CLEARED COMMENT (2020-10-05): After further review exception has been cleared

[1] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Loan to value discrepancy.: Calculated loan to value percentage of 134.25590% exceeds AUS loan to value percentage of 95.00000%.
EXCEPTION INFO: Missing AUS that matches the terms of the loan.
REVIEWER - CLEARED COMMENT (2020-10-05): After further review exception has been cleared

[1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided
EXCEPTION INFO: Missing MIC.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.
EXCEPTION INFO: Missing rate lock date.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 06/XX/2016). (Final/06/XX/2016)
EXCEPTION INFO: Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of $XXX.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 06/XX/2016). (Final/06/XX/2016)
EXCEPTION INFO: Disclosure reflects TOP of $XXX but calculated TOP of $XXX. Variance = $XXX.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/06/XX/2016)
EXCEPTION INFO: Evidence of earlier borrower receipt was not found in file.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD: TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/06/XX/2016)
EXCEPTION INFO: TRID non-compliant. Seller paid fees on Seller’s Closing Disclosure are not consistent with those reflected on the Borrower’s Final Closing Disclosure. Seller's CD shows $9,952.12 in seller paid closing costs, borrower's final CD shows $8,894.80. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

XXX

Loan Review Complete

96402058

XXX

$XXX

7/XX/2016

Primary

Refinance Cash-out - Home Improvement

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2016
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Loan File - Missing Document: Hazard Insurance Policy not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2016 did not disclose the mortgage insurance payment for payment stream 1. (ProjSeq:1/1314508)
EXCEPTION INFO: No Mortgage insurance
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-183.75 is less than amount of binding Lender Credit previously disclosed in the amount of $-193.00. (9300)
EXCEPTION INFO: Cure for $-163.75 is less than the amount of lender credit previously disclosed in the amount of -193.00
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,357.50 exceeds tolerance of $1,080.00. Insufficient or no cure was provided to the borrower. (7506)
EXCEPTION INFO: Cure for $1374.50 exceed tolerance of $1080.00 insufficient, no cure was not provided.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Temporary SHQM (GSE/Agency Eligible).
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96402057

XXX

$XXX

8/XX/2016

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Guideline Issue - Employment was not verified within 10 days of the note date.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 04/XX/2013
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 10/XX/2016
Disaster End Date: 10/XX/2016
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] HOA - HOA Dues amount was not evidenced in the file, and has not been included in the calculated debt ratio.: Valuation Type: Stated / Valuation Report Date: <empty> Property Type: PUD
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: Approval not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Credit Documentation - Missing Document: Credit Report not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: Flood Certificate not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: Fraud Report not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Loan File - Missing Document: Hazard Insurance Policy not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: Missing Lender's Initial 1003
EXCEPTION INFO: Initial 1003 is not signed or dated
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2016 which is 1 months prior to consummation. A lookback was performed to determine this application date.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] State Compliance - North Carolina First Lien Late Charge Percent Testing: North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 1, 4, 6, or 11): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 1 st, 4 th, 6 th, or 11 th circuit)
EXCEPTION INFO: Missing Title Commitment
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
EXCEPTION INFO: Loan application in file no date ,home closing
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2016, prior to three (3) business days from transaction date of 08/XX/2019.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.
EXCEPTION INFO: file has Avm reflecting property ,loan closed at home
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 2,245.68 on Final Closing Disclosure provided on 08/XX/2016 not accurate. (Final/08/XX/2016)
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2016 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1314965)
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2016 incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/08/XX/2016)
EXCEPTION INFO: File is missing hazard insurance
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 4,500.00 on Final Closing Disclosure provided on 08/XX/2016 not accurate. (Final/08/XX/2016)
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2016 incorrectly disclosed whether property taxes are included in escrow. (Final/08/XX/2016)
EXCEPTION INFO: Verified no escrow,loan closed at home
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2016 incorrectly disclosed whether the loan will have an escrow account. (Final/08/XX/2016)
EXCEPTION INFO: Verified no escrow,loan closed at home
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2016 incorrectly disclosed whether the loan will have an escrow account. (Final/08/XX/2016)
EXCEPTION INFO: Verified no escrow,loan closed at home
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/07/XX/2016)
EXCEPTION INFO: No evidence of Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

XXX

Loan Review Complete

96402056

XXX

$XXX

10/XX/2016

Primary

Refinance Cash-out - Debt Consolidation

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96402055

XXX

$XXX

10/XX/2016

Primary

Refinance Cash-out - Other

Safe Harbor QM

Yes

[1] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/09/XX/2016)
EXCEPTION INFO: The initial CD was issued 9/XX/2016; however, no evidence was provided that it was received by the Borrower a minimum of 3 business days prior to closing.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96402054

XXX

$XXX

9/XX/2016

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 01/XX/2019
Disaster End Date: 12/XX/2018
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2016, prior to three (3) business days from transaction date of 09/XX/2016.
EXCEPTION INFO: Disbursement date 9/XX/2016 < transaction date plus 3 days 10/XX/2016.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
EXCEPTION INFO: The subject closed on a non-business day; expiration date reflected as 9/XX/2016; however actual expiration date is 9/XX/2016.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/09/XX/2016)
EXCEPTION INFO: The initial CD was issued less than 3 business days prior to closing.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Temporary SHQM (GSE/Agency Eligible).
EXCEPTION INFO: Lender did not provide the loan designation within the file.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401305

XXX

$XXX

1/XX/2017

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/12/XX/2016)
EXCEPTION INFO: The appraisal dated 12/XX/2016 is shown to have been delivered to the Borrower 12/XX/2016. If an earlier appraisal exists, it must be reviewed to confirm there was no change in value.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2016)
EXCEPTION INFO: The file failed to contain evidence that the appraisal dated 12/XX/2016 was provided to the Borrower a minumum of 3 business days prior to closing.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
EXCEPTION INFO: The "Extended Replacement Cost" coverage box was not checked; insufficient coverage provided. Please provide sufficient coverage or a replacement cost estimate.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/01/XX/2017)
EXCEPTION INFO: The Borrower's final CD failed to include fees reflected on the Seller's Closing Disclosure.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $185.00 exceeds tolerance of $155.00 plus 10% or $170.50. Insufficient or no cure was provided to the borrower. (0)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $2,172.50 exceeds tolerance of $1,049.00. Insufficient or no cure was provided to the borrower. (7561)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $50.00 exceeds tolerance of $25.00. Insufficient or no cure was provided to the borrower. (75206)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75201)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $13.00 exceeds tolerance of $7.00. Insufficient or no cure was provided to the borrower. (75197)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $225.00 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. (75187)
EXCEPTION INFO: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96402053

XXX

$XXX

12/XX/2016

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/12/XX/2016)
EXCEPTION INFO: Earlier receipt not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $610.00 exceeds tolerance of $485.00. Insufficient or no cure was provided to the borrower. (7506)
EXCEPTION INFO: No cure provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $455.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349)
EXCEPTION INFO: No cure provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401304

XXX

$XXX

12/XX/2016

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401303

XXX

$XXX

3/XX/2017

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
EXCEPTION INFO: The document submitted for the insurance verification is an escrow printout; not evidence of insurance produced by the insurance company. ISAOA is required by FNMA.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] General - Incomplete Document: 1003 Initial - Lender's is incomplete
EXCEPTION INFO: Not signed or dated by the Loan Originator nor Borrower.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401559

XXX

$XXX

10/XX/2014

Investment

Refinance Cash-out - Other

N/A

[1] Asset Documentation - Asset documentation requirements not met according to Decision System Input.: All documentation requirements for DU / DO were not met.
EXCEPTION INFO: File is missing all asset documention required per DU
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of is less than AUS Available for Reserves of $32,058.28.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 95.41510% exceeds AUS total debt ratio of 45.27000%.
EXCEPTION INFO: Calculated investor qualifying total debt ratio of 95.06109% exceeds AUS total debt ratio of 45.27000%. No documenation in file to offset subject payment. Please provide 1040s most current 2 years, lease agreements/1007 rent schedule.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of is less than AUS qualifying asset balance of $36,708.00.
EXCEPTION INFO: Calculated qualifying asset balance of is less than AUS qualifying asset balance of $36,708.00.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 10/XX/2017
Disaster End Date: 11/XX/2017
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Income Documentation - Income Docs Missing:: Borrower: XXX 4506 or 4506-T (2012), 4506 or 4506-T (2013), Paystubs, VVOE - Employment Only, W-2 (2013)
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU / DO
EXCEPTION INFO: File is missing all income (paystubs, w-2, VOE, lease agreements, 1040s or 1007)
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: Fraud Report not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: Missing Lender's Initial 1003
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2014 which is 1 months prior to consummation. A lookback was performed to determine this application date.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

Loan Review Complete

96401560

XXX

$XXX

7/XX/2014

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401558

XXX

$XXX

11/XX/2015

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401557

XXX

$XXX

5/XX/2017

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Guideline Issue - Employment was not verified within 10 days of the note date.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 07/XX/2016
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Guideline Issue - Employment was not verified within 10 days of the note date.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 06/XX/2015
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] State Compliance - North Carolina First Lien Late Charge Percent Testing: North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.
EXCEPTION INFO: North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/04/XX/2017)
EXCEPTION INFO: No evidence of early receipt was located in the file
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-1,000.00. (9300)
EXCEPTION INFO: Change of circumstance not proided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $294.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)
EXCEPTION INFO: Change of circumstance not proided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

XXX

Loan Review Complete

96401674

XXX

$XXX

5/XX/2017

Investment

Refinance Cash-out - Other

N/A

XXX

Loan Review Complete

96401673

XXX

$XXX

7/XX/2017

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401672

XXX

$XXX

7/XX/2017

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401671

XXX

$XXX

7/XX/2017

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/XX/2017 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 08/XX/2017). (Final/07/XX/2017)
EXCEPTION INFO: Cured with PCCD, lender correspondence in file as well.
REVIEWER - CURED COMMENT (2020-09-28): Provided the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable

XXX

Loan Review Complete

96401294

XXX

$XXX

10/XX/2017

Primary

Refinance Cash-out - Debt Consolidation

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401670

XXX

$XXX

10/XX/2017

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
EXCEPTION INFO: The insurance document found in the file is a screen print of insurance information; the loss payee clause is not on the document. Please provide the actual hazard insurance policy with correct mortgagee clause.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
EXCEPTION INFO: Coverage amount on the insurance document is $XXX. There is no Replacement Cost Estimator in the file.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: Missing Lender's Initial 1003
EXCEPTION INFO: 1003 in file has app date in reverse at bottom of page, no signatures
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Temporary SHQM (GSE/Agency Eligible).
EXCEPTION INFO: Unable to determine Originator Loan Designation.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

XXX

Loan Review Complete

96401293

XXX

$XXX

11/XX/2017

Primary

Refinance Cash-out - Debt Consolidation

Temporary SHQM (GSE/Agency Eligible)

Yes

XXX

Loan Review Complete

96401292

XXX

$XXX

11/XX/2017

Primary

Refinance Cash-out - Debt Consolidation

Safe Harbor QM

Yes

[1] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 32.72636% exceeds AUS total debt ratio of 25.77000%.
EXCEPTION INFO: Variance in the Total DTI is due to debt reflected of $310.35 on the Credit Report not included in the calculation indicated on the AUS.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.
EXCEPTION INFO: Loan is DU approve, Originator Loan Designation of Temporary SHQM does not match Due Diligence Loan Designation of Safe Harbor QM.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2017)
EXCEPTION INFO: Evidence of the Borrower's receipt of the Appraisal is not provided.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
EXCEPTION INFO: The Appraisal included in the file reflects the Total Estimate of Cost-New is $XXX, Hazard Insurance coverage provided is $XXX leaving a $XXX shortfall.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $10.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304)
EXCEPTION INFO: Recording Fees reflected on the Final Closing Disclosure of $98.00, which is above the allowable variance from the amount disclosed on the Loan Estimate $90.00.
REVIEWER - CURED COMMENT (2020-09-28): Sufficient Cure Provided At Closing

Loan Review Complete

96401291

XXX

$XXX

12/XX/2017

Primary

Refinance Cash-out - Home Improvement

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
EXCEPTION INFO: The Hazard Policy was not in the file.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] General - Incomplete Document: 1003 Initial - Lender's is incomplete
EXCEPTION INFO: The initial 1003 was not executed by the borrowers.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Loan File - Missing Document: Hazard Insurance Policy not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401290

XXX

$XXX

1/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

#REF!

Loan Review Complete

96401289

XXX

$XXX

12/XX/2017

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible).
EXCEPTION INFO: Per 1008 AUS approved
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 01/XX/2009
Disaster End Date: 01/XX/2009
EXCEPTION INFO: Lender to provide property inspection.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
EXCEPTION INFO: Lender to provide evidence or replacement cost or sufficient coverage.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Appraisal Documentation - Missing Document: Appraisal not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Interim Closing Disclosure Timing: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on 12/XX/2017 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation
EXCEPTION INFO: Lender to provide documentation of receipt by borrwoer.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX is less than amount of binding Lender Credit previously disclosed in the amount of $XXX. (9300)
EXCEPTION INFO: Cure not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

XXX

Loan Review Complete

96401287

XXX

$XXX

12/XX/2017

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/12/XX/2017)
EXCEPTION INFO: There was not an initial Closing Disclosure in the file.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/12/XX/2017)
EXCEPTION INFO: TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $17,156.99, while closing CD seller's fees total $16,357.04.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401288

XXX

$XXX

1/XX/2018

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,379.00 exceeds tolerance of $1,127.00 plus 10% or $1,239.70. Sufficient or excess cure was provided to the borrower at Closing. (0)
EXCEPTION INFO: The fee increase exceeds the tolerance.
REVIEWER - CURED COMMENT (2020-09-29): Sufficient Cure Provided At Closing

Loan Review Complete

96401286

XXX

$XXX

12/XX/2017

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Income Documentation - Income Docs Missing:: Borrower: XXX VVOE - Employment Only
EXCEPTION INFO: DU requires a Verbal VOE dated within 10 days of closing.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2017 disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (Final/12/XX/2017)
EXCEPTION INFO: Final Closing Disclosure provided on 12/XX/2017 disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees: TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/12/XX/2017)
EXCEPTION INFO: Seller CD does not itemize fees paid.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $115.00 exceeds tolerance of $0.00 plus 10% or $0.00. Sufficient or excess cure was provided to the borrower at Closing. (0)
REVIEWER - CURED COMMENT (2020-09-29): Sufficient Cure Provided At Closing

Loan Review Complete

96401285

XXX

$XXX

1/XX/2018

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 09/XX/2009
Disaster End Date: 10/XX/2009
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
EXCEPTION INFO: Lender computer print out provided, please provide actaul insurance policy with correct mortgagee clause
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
EXCEPTION INFO: Escrows match on final CD and 2nd PCCD, However, not match ing on PCCD dated 2/XX/18
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX is less than amount of binding Lender Credit previously disclosed in the amount of $XXX. (9300)
EXCEPTION INFO: No valid COC for change in credit amount.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Temporary SHQM (GSE/Agency Eligible).
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

XXX

Loan Review Complete

96401334

XXX

$XXX

1/XX/2018

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401333

XXX

$XXX

2/XX/2018

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Guideline Issue - Employment was not verified within 10 days of the note date.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2017
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $475.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200)
EXCEPTION INFO: The file did not contain a valid COC for the added fee and there was no evidence of a cure for the tolerance issue.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

XXX

Loan Review Complete

96401331

XXX

$XXX

3/XX/2018

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401330

XXX

$XXX

4/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: Valuation Type: Appraisal / Valuation Report Date: 04/XX/2018
EXCEPTION INFO: Appraiser license effective date is 05/XX/19.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/04/XX/2018)
EXCEPTION INFO: There are no seller paid fees listed on the Consumer's Final CD. The Seller CD shows fees in the amount of $26,813.90.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $799.50 exceeds tolerance of $700.00 plus 10% or $770.00. Insufficient or no cure was provided to the borrower. (0)
EXCEPTION INFO: Cure provided of $107.90 remaining cure required is 2,313.90 - cure will be allocated when remaining amount is provided.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,234.40 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)
EXCEPTION INFO: Cure provided of $107.90 remaining cure required is 2,313.90 - cure will be allocated when remaining amount is provided.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75214)
EXCEPTION INFO: Cure provided of $107.90 remaining cure required is 2,313.90 - cure will be allocated when remaining amount is provided.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Monitoring Service. Fee Amount of $40.00 exceeds tolerance of $32.00. Insufficient or no cure was provided to the borrower. (75213)
EXCEPTION INFO: Cure provided of $107.90 remaining cure required is 2,313.90 - cure will be allocated when remaining amount is provided.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $174.90 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. (7520)
EXCEPTION INFO: Cure provided of $107.90 remaining cure required is 2,313.90 - cure will be allocated when remaining amount is provided.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401769

XXX

$XXX

8/XX/2018

Primary

Refinance Cash-out - Debt Consolidation

Non QM

Yes

[1] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.
EXCEPTION INFO: Originator Loan Designation of Temporary SHQM does not match Due Diligence Loan Designation of Non QM.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Guideline Issue - Employment was not verified within 10 days of the note date.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 04/XX/2016
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.
EXCEPTION INFO: Title is missing.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Credit Documentation - Missing Document: Credit Report not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: Fraud Report not provided
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Loan File - Missing Document: Hazard Insurance Policy not provided
EXCEPTION INFO: Missing condo blanket policy in file.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: Missing Lender's Initial 1003
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - QM Small Creditor Portfolio Originations (DTI): Small Creditor Portfolio Originations Qualified Mortgage (Dodd-Frank 2014): Unable to determine that creditor considered and verified the ratio of total monthly debt obligations to total monthly income or residual income.
EXCEPTION INFO: Unable to determine that creditor considered and verified the ratio of total monthly debt obligations to total monthly income or residual income.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2018, prior to three (3) business days from transaction date of 08/XX/2018.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.
EXCEPTION INFO: No evidence of receipt was located in the file.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1325691)
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 09/XX/2018). (Final/08/XX/2018)
EXCEPTION INFO: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/08/XX/2018)
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/08/XX/2018)
EXCEPTION INFO: Missing documentation to verify Monthly Escrow Payment
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/08/XX/2018)
EXCEPTION INFO: No evidence of early receipt was located in the file
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Endorsement Fee. Fee Amount of $103.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7582)
EXCEPTION INFO: Increase in fee without a COC
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $235.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75178)
EXCEPTION INFO: increase in fee without a COC
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

Loan Review Complete

96401768

XXX

$XXX

8/XX/2018

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

Yes

Loan Review Complete

96401765

XXX

$XXX

9/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/09/XX/2018)
EXCEPTION INFO: There were no seller paid fees reflected on the Borrower's CD.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,900.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)
EXCEPTION INFO: Transfer Tax Fee $3,900 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Fee was disclosed on Seller CD.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401766

XXX

$XXX

9/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 09/XX/2018
Disaster End Date: 09/XX/2019
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2019
EXCEPTION INFO: The most recent valuation inspection is dated prior to the most recent FEMA disaster.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
EXCEPTION INFO: Correct lender is not listed on hazard insurance policy.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.
EXCEPTION INFO: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
EXCEPTION INFO: The Initial Escrow Account Disclosure indicated an initial deposit of $12,175.08; however, section G and page 4 of the Final CD indicated an initial deposit of only $2,451.84.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 3,180.65 on Final Closing Disclosure provided on 09/XX/2018 not accurate. (Final/09/XX/2018)
EXCEPTION INFO: Amount of Escrowed Property Costs over Year 1 of 3,180.65 on Final Closing Disclosure provided on 09/XX/2018 due to a variance between the Tax Cert and the Final Closing disclosure amount
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1326297)
EXCEPTION INFO: Final Closing Disclosure provided on 09/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan due to a variance between the Tax Cert and the Final Closing disclosure amount
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/09/XX/2018)
EXCEPTION INFO: The Seller's final CD contained fees not reflected on the consumer's CD.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $9.00 exceeds tolerance of $5.00. Insufficient or no cure was provided to the borrower. (77222)
EXCEPTION INFO: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $9.00 exceeds tolerance of $5.00. Insufficient or no cure was provided to the borrower.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $119.71 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7520)
EXCEPTION INFO: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $119.71 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96401645

XXX

$XXX

10/XX/2018

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Income Documentation - Income Docs Missing:: Borrower: XXX VVOE - Employment Only
EXCEPTION INFO: Per DU, provide the VVOE dated 10 days prior to the Note Date.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2: Note Date: 10/XX/2018; Lien Position: 1
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 10/XX/2018 not received by borrower at least four (4) business days prior to closing. (Interim/10/XX/2018)
EXCEPTION INFO: Evidence of earlier receipt was not provided.
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

#REF!

Loan Review Complete

96401899

XXX

$XXX

3/XX/2014

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

Yes

[1] Application / Processing - Missing Document: Fraud Report not provided
EXCEPTION INFO: The file was missing a complete Fraud Repot. (only 1 page provided)
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

[1] Application / Processing - Missing Document: HOA Questionnaire not provided
EXCEPTION INFO: The file was missing a copy of the HOA Questionnaire
REVIEWER - CLEARED COMMENT (2020-12-29): OK to Clear per CSM.

Loan Review Complete

96402021

XXX

$XXX

7/XX/2015

Primary

Purchase

Safe Harbor QM

Yes

[3] Asset Documentation - Aged document: Asset Account date is more than 90 days prior to the note.: Financial Institution: XXX / End Date: 03/XX/2015 // Account Type: Savings / Account Number: XXX Asset Account Date: 03/XX/2015

[3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
EXCEPTION INFO: Hazard insurance coverage is short by XXX.

Insurance amount of $XXX plus $XXX extended replacement coverage. Insurance policy does not specify insurable value. Estimated cost to rebuild per appraisal: $XXX, a difference of $XXX from the amount of insurance coverage stated.

[3] Application / Processing - Missing Document: Fraud Report not provided
EXCEPTION INFO: Fraud report was not provided. Missing

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application.
EXCEPTION INFO: Earliest date of borrower attestation of receipt of this disclosure is 6/XX/2015.

[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.

[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.

#REF!

Loan Review Complete

96401170

XXX

$XXX

10/XX/2009

Investment

Purchase

Yes

Loan Review Complete

96401166

XXX

$XXX

4/XX/2006

Primary

Purchase

Yes

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $196.90.
EXCEPTION INFO: There is a credit under loan discount fee of $102.75. Unable to locate the breakdown of what fee/fees it would apply to. Unable to determine any other reason due to missing Final TIL Itemization.

Loan Review Complete

96401097

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401096

XXX

$XXX

4/XX/2006

Primary

Purchase

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401167

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401172

XXX

$XXX

9/XX/2004

Primary

Purchase

Yes

Loan Review Complete

96401169

XXX

$XXX

6/XX/1999

Primary

Purchase

Loan Review Complete

96401063

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401062

XXX

$XXX

6/XX/2007

Primary

Refinance Rate/Term

Yes

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 5/XX/2007 which is 1 month(s) prior to consummation. A 2 month lookback was used to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $89.59.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of Amount Financed

Loan Review Complete

96401059

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Other

Yes

[3] Miscellaneous Compliance - Privacy Notice is missing: Disclosure: Privacy Notice

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Miscellaneous Compliance - Initial TIL not provided

Loan Review Complete

96401171

XXX

$XXX

5/XX/2004

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401060

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401061

XXX

$XXX

3/XX/2010

Primary

Refinance Rate/Term

Yes

[3] Miscellaneous Compliance - Privacy Notice is missing: Disclosure: Privacy Notice

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $80.33.
EXCEPTION INFO: Per the itemization, $80 subordination fee was not included in the prepaid finance charges.

[1] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 03/XX/2010
REVIEWER - CLEARED COMMENT (2017-02-26): Cleared with appraisal provided

Loan Review Complete

96401100

XXX

$XXX

5/XX/2008

Primary

Refinance Cash-out - Other

Yes

Loan Review Complete

96401168

XXX

$XXX

1/XX/2012

Investment

Refinance Cash-out - Debt Consolidation

Yes

Loan Review Complete

96401098

XXX

$XXX

12/XX/2007

Primary

Purchase

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[1] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.
REVIEWER - CLEARED COMMENT (2017-06-29): Appraisal provided for review. Exception cleared.

[1] Appraisal Documentation - Missing Document: Appraisal not provided
REVIEWER - CLEARED COMMENT (2017-06-29): Appraisal provided for review. Exception cleared.

Loan Review Complete

96401099

XXX

$XXX

1/XX/2008

Primary

Purchase

Yes

Loan Review Complete

96401178

XXX

$XXX

9/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $3,394.00.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 1.910% per the Approval, however the lowest index available in the lookback period is 1.940%.

Loan Review Complete

96401203

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96401145

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401142

XXX

$XXX

6/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401200

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law.

Loan Review Complete

96401137

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401122

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $185.82.
EXCEPTION INFO: Under disclosure appears to be fee related. TIL Itemization of Amount Financed disclosed prepaid finance charges as a total of $XXX, actual finance charges totaled $XXX

Loan Review Complete

96401123

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401182

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401124

XXX

$XXX

4/XX/2006

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401173

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96401113

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401204

XXX

$XXX

6/XX/2004

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $217.86.
EXCEPTION INFO: Fees are under disclosed $217.86 and fees match the HUD. Unable to verify the reason for the under disclosure due to missing Itemization.

Loan Review Complete

96401146

XXX

$XXX

2/XX/2005

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $6,401.61.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 2.02% per the approval, however the lowest index value available in the lookback period is 2.08%.

Loan Review Complete

96401190

XXX

$XXX

7/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401174

XXX

$XXX

4/XX/1999

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96401114

XXX

$XXX

1/XX/2003

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96401138

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $11,967.58.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 3.36%. The closest index available in our lookback period is 3.46%.

Loan Review Complete

96401191

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401179

XXX

$XXX

6/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] State Compliance - Massachusetts Prepayment Penalty: Massachusetts Prepayment Penalty: A prepayment penalty is not permissible on a partial prepayment. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $580.15.
EXCEPTION INFO: The under disclosure appears to be fee related however unable to determine the cause as the itemization of amounts financed does not provide a breakdown of fees.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2004, prior to three (3) business days from transaction date of 06/XX/2004.

Loan Review Complete

96401180

XXX

$XXX

5/XX/2004

Investment

Refinance Cash-out - Other

06/15/2021

[2] State Compliance - Wisconsin Late Charge Amount Testing First Lien: Wisconsin Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.

[2] State Compliance - Wisconsin Late Charge Grace Period Testing > $25,000: Wisconsin Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

Loan Review Complete

96401116

XXX

$XXX

8/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401162

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $10,484.92.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 3.560% per the Approval, however the lowest index value available in the lookback period is 3.660%.

Loan Review Complete

96401163

XXX

$XXX

6/XX/2006

Second Home

Refinance Cash-out - Debt Consolidation

06/15/2021

[2] Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Priced: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $20,269.41.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 4.158% per the approval, however the lowest index value available in the lookback period is 4.31833%.

Loan Review Complete

96401197

XXX

$XXX

1/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401147

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $8,752.43.
EXCEPTION INFO: Under disclosure is due to lender utilizing an index value of 3.36% per the Approval, however the lowest index value available in the lookback period is 3.46%.

Loan Review Complete

96401212

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $250.01.
EXCEPTION INFO: Unable to determine cause of under disclosure due to missing itemization of amount financed

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006.

Loan Review Complete

96401130

XXX

$XXX

1/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96401181

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401117

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401175

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96401139

XXX

$XXX

12/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96401125

XXX

$XXX

1/XX/2005

Primary

Purchase

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401126

XXX

$XXX

1/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $10,985.26.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 1.451% per the Approval, however the lowest index value available in the lookback period is 1.56333%.

Loan Review Complete

96401148

XXX

$XXX

7/XX/2006

Primary

Purchase

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $22,505.21.
EXCEPTION INFO: Payment stream under disclosure is due to lender utilizing an index value of 3.79% per the Approval, however the lowest index value available in the lookback period is 3.94%. Unable to determine fee portion of under disclosure due to Itemization of Amount Financed reflecting prepaid finance charge as a lump sum.

Loan Review Complete

96401161

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $11,063.48.
EXCEPTION INFO: The under disclosure appears to be index related; the index used by the lender is 2.61% however the lowest index available in the lookback period is 2.78%.

Loan Review Complete

96401211

XXX

$XXX

2/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $11,358.03.
EXCEPTION INFO: Under disclosure is due to lender utilizing an index value of 3.25% per the Approval, however the lowest index value available in the lookback period is 3.36%.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401127

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $934.86.
EXCEPTION INFO: TIL Itemization only disclosed origination charges in the amount of $3749.76, however, final HUD reflects $4684.62

Loan Review Complete

96401131

XXX

$XXX

6/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] State Compliance - Michigan Prepayment Penalty: Michigan Prepayment Penalty: Maximum calculated prepay of $2,880.00 exceeds the state maximum for first lien loans of 1% of the prepaid balance ($XXX).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401192

XXX

$XXX

8/XX/2003

Investment

Refinance Cash-out - Debt Consolidation

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401118

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $19,457.84.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 2.39% per the Approval, however the lowest index value available in the lookback period is 2.61%. Unable to determine fee portion of under disclosure due to Itemization of Amount Financed reflecting prepaid finance charge as a lump sum.

Loan Review Complete

96401119

XXX

$XXX

4/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $9,203.80.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 2.28% per the loan approval, however the lowest index value available in the lookback period is 2.39%.

Loan Review Complete

96401120

XXX

$XXX

6/XX/2005

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401198

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $11,715.43.
EXCEPTION INFO: Under disclosure is due to payment stream. Original index value used by lender per the Approval was 3.140% The lowest index available in the look back period IS 3.240%.

Loan Review Complete

96401140

XXX

$XXX

1/XX/2006

Primary

Purchase

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $13,002.51.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 3.140% per the approval, however the lowest index value available in the lookback period is 3.240%.

Loan Review Complete

96401193

XXX

$XXX

9/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96401183

XXX

$XXX

2/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96401184

XXX

$XXX

2/XX/2005

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005.

Loan Review Complete

96401115

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006.

Loan Review Complete

96401176

XXX

$XXX

2/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401164

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $8,514.61.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 3.660% per the Approval, however the lowest index available in the lookback period is 3.790%.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401141

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $33,058.37.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 4.34% per the Approval, however the closest index available in our lookback period is 4.49%.

Loan Review Complete

96401209

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96401177

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Home Improvement

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401199

XXX

$XXX

1/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $5,113.66.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 1.96% per the approval; however, the lowest index available in our lookback period is 2.025%.

Loan Review Complete

96401157

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Home Improvement

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $6,548.26.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 3.06% per the Approval, however the lowest index value available in the lookback period is 3.14%.

Loan Review Complete

96401121

XXX

$XXX

9/XX/2006

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96401207

XXX

$XXX

9/XX/2006

Second Home

Refinance Cash-out - Other

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $39,162.23.
EXCEPTION INFO: Under disclosure is due to lender utilizing an index value of 4.11% per the Approval, however the lowest index value available in the lookback period is 4.34%.

Loan Review Complete

96401165

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96401154

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $19,054.11.
EXCEPTION INFO: Underdisclosure is due to the lender utilizing an index value of 2.89% per the Approval, however the lowest index value available in the lookback period is 3.14%.

Loan Review Complete

96401149

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

Loan Review Complete

96401150

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

Loan Review Complete

96401143

XXX

$XXX

9/XX/2006

Second Home

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401201

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96401133

XXX

$XXX

5/XX/2007

UTD

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96401210

XXX

$XXX

7/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96401158

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $23,411.59.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 2.61%; however, the lowest index available in our lookback period is 2.78%.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96401159

XXX

$XXX

8/XX/2004

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $14,179.26.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 1.1180% per the Approval, however the lowest index value available in the lookback period is 1.21167%.

Loan Review Complete

96401155

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $4,257.63.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 3.46% per the approval, however the lowest index value available in the lookback period is 3.56%.

Loan Review Complete

96401128

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $21,194.32.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 3.94% per the Approval, however the lowest index value available in the lookback period is 4.11%.

Loan Review Complete

96401185

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.62600% is overdisclosed from calculated APR of 7.24950% outside of 0.250% tolerance.
EXCEPTION INFO: Under disclosure is due to lender utilizing an index value of 4.997% per the Approval, however the lowest index value available in the lookback period is 5.15333%.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $44,246.34.
EXCEPTION INFO: Under disclosure is due to lender utilizing an index value of 4.997% per the Approval, however the lowest index value available in the lookback period is 5.15333%.

Loan Review Complete

96401144

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96401202

XXX

$XXX

1/XX/2008

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 8.18800% is underdisclosed from calculated APR of 8.55367% outside of 0.250% tolerance.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 4.90% per the approval, however the lowest index value available in the lookback period is 5.26833%.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $71,211.86.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 4.90% per the approval, however the lowest index value available in the lookback period is 5.26833%.

Loan Review Complete

96401135

XXX

$XXX

2/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $13,881.45.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 4.997% per the approval, however the lowest index value available in the lookback period is 5.21667%.

Loan Review Complete

96401195

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96401160

XXX

$XXX

11/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Loan Review Complete

96401186

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96401187

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $20,962.61.
EXCEPTION INFO: Under disclosure is due to lender utilizing an index value of 4.897% per the Approval, however the lowest index value available in the lookback period is 4.99667%.

Loan Review Complete

96401208

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $5,687.72.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 4.997% per the approval, however the lowest index value available in the lookback period is 5.08083%.

Loan Review Complete

96401152

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96401188

XXX

$XXX

2/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $13,894.45.
EXCEPTION INFO: The under disclosure appears to be index related; the index used by the lender is 3.24% however the lowest index available in the lookback period is 3.36%.

Loan Review Complete

96401156

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $5,973.47.
EXCEPTION INFO: It appears a lower Index was used at origination than the 4.89667% Index available within the look-back period.

Loan Review Complete

96401153

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401129

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96400300

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law.

Loan Review Complete

96400034

XXX

$XXX

12/XX/2007

Primary

Purchase

06/15/2021

Loan Review Complete

96401050

XXX

$XXX

7/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2002 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 7.40000% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Ohio Prepayment Penalty: Ohio Prepayment Penalty: Maximum calculated prepay of $2,786.16 exceeds the state maximum of 1% of the original balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2002, prior to three (3) business days from transaction date of 07/XX/2002.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96400155

XXX

$XXX

9/XX/2001

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2001 used as disbursement date for compliance testing.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2001, prior to three (3) business days from transaction date of 09/XX/2001.

Loan Review Complete

96400494

XXX

$XXX

9/XX/2001

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2001 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400576

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400723

XXX

$XXX

12/XX/1998

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96400729

XXX

$XXX

11/XX/2000

Primary

Purchase

06/15/2021

Loan Review Complete

96401048

XXX

$XXX

5/XX/2004

Primary

Purchase

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400168

XXX

$XXX

8/XX/2003

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003.

Loan Review Complete

96400085

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines.

Loan Review Complete

96400841

XXX

$XXX

8/XX/2005

UTD

UTD UTD

UTD

Yes

06/15/2021

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

[3] Closing / Title - Title: Evidence of title is missing

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Closing / Title - TILA - Final TIL Missing

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400081

XXX

$XXX

9/XX/2005

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400567

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.

Loan Review Complete

96400023

XXX

$XXX

7/XX/2007

Primary

Purchase

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400974

XXX

$XXX

7/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.05478% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2004, prior to three (3) business days from transaction date of 07/XX/2004.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400868

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400537

XXX

$XXX

9/XX/2001

Primary

Purchase

06/15/2021

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

Loan Review Complete

96400677

XXX

$XXX

2/XX/2005

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400386

XXX

$XXX

1/XX/2002

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400498

XXX

$XXX

8/XX/2004

Primary

Purchase

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400520

XXX

$XXX

7/XX/2005

Primary

Purchase

06/15/2021

Loan Review Complete

96401036

XXX

$XXX

11/XX/2001

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2001, prior to three (3) business days from transaction date of 11/XX/2001.

Loan Review Complete

96400682

XXX

$XXX

3/XX/2006

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400540

XXX

$XXX

12/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400745

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400041

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.12609% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines.

Loan Review Complete

96400506

XXX

$XXX

9/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.00000% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] State Compliance - Maryland Late Charge Grace Period Testing: Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2003, prior to three (3) business days from transaction date of 09/XX/2003.

Loan Review Complete

96400732

XXX

$XXX

4/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400424

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400151

XXX

$XXX

10/XX/2007

UTD

Purchase

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400545

XXX

$XXX

10/XX/2005

Primary

UTD UTD

UTD

Yes

06/15/2021

Loan Review Complete

96400939

XXX

$XXX

9/XX/2004

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400080

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400149

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.07579% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] State Compliance - Maryland Prepayment Penalty Test: Maryland Prepayment Penalty: Loan prepay term of 60 months exceeds state maximum of 36 months.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400365

XXX

$XXX

1/XX/2003

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.55298% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400037

XXX

$XXX

11/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2003 used as disbursement date for compliance testing.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2003, prior to three (3) business days from transaction date of 11/XX/2003.

Loan Review Complete

96400597

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.15065% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)

Loan Review Complete

96400086

XXX

$XXX

2/XX/2006

UTD

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Maryland Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96401107

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.

Loan Review Complete

96400008

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.25852% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400170

XXX

$XXX

2/XX/2003

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2003, prior to three (3) business days from transaction date of 02/XX/2003.

Loan Review Complete

96400863

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] State Compliance - West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees): West Virginia Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees.
REVIEWER - GENERAL COMMENT (2021-07-08): Exception Detail Updated from: West Virginia Residential Mortgage Lender, Broker and Servicer Act: Borrower not charged actual amount for third party fees.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

[1] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.
REVIEWER - CLEARED COMMENT (2021-07-07): Appraisal provided.

[1] State Compliance - West Virginia Residential Mortgage Lender, Broker, and Servicer Act - CLTV Greater than 100%: Unable to determine LTV/CLTV due to missing information.
REVIEWER - CLEARED COMMENT (2021-07-07): Appraisal located.

Loan Review Complete

96400144

XXX

$XXX

9/XX/2007

Primary

Purchase

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400936

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2005, prior to three (3) business days from transaction date of 05/XX/2005.

Loan Review Complete

96400697

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.15065% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400733

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.00000% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400002

XXX

$XXX

5/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400484

XXX

$XXX

2/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400966

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

Loan Review Complete

96400511

XXX

$XXX

5/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2004, prior to three (3) business days from transaction date of 05/XX/2004.

Loan Review Complete

96400089

XXX

$XXX

4/XX/1999

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96401101

XXX

$XXX

4/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.

Loan Review Complete

96400577

XXX

$XXX

7/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.15857% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400004

XXX

$XXX

1/XX/2005

UTD

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400727

XXX

$XXX

4/XX/1999

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400161

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400574

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.

Loan Review Complete

96400426

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.

Loan Review Complete

96400427

XXX

$XXX

6/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.

Loan Review Complete

96400419

XXX

$XXX

1/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400536

XXX

$XXX

4/XX/2007

Primary

Purchase

06/15/2021

Loan Review Complete

96400755

XXX

$XXX

2/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400416

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400558

XXX

$XXX

2/XX/2006

Second Home

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400910

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2005, prior to three (3) business days from transaction date of 12/XX/2005.

Loan Review Complete

96400245

XXX

$XXX

1/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.

Loan Review Complete

96400899

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business days from transaction date of 11/XX/2004.

Loan Review Complete

96400886

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400428

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400761

XXX

$XXX

4/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 04/XX/2004.

Loan Review Complete

96400650

XXX

$XXX

7/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.30408% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2008). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2008) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

Loan Review Complete

96400546

XXX

$XXX

10/XX/2003

Primary

Purchase

06/15/2021

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96400820

XXX

$XXX

6/XX/2005

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400706

XXX

$XXX

3/XX/2002

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2002 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

Loan Review Complete

96400405

XXX

$XXX

7/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided): Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.65538% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400845

XXX

$XXX

9/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $255.02.
EXCEPTION INFO: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate and collection method on the loan.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2004, prior to three (3) business days from transaction date of 09/XX/2004.

Loan Review Complete

96400981

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.

Loan Review Complete

96400179

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400255

XXX

$XXX

8/XX/1999

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 2.00051% exceeds the state maximum of 2%.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96400016

XXX

$XXX

1/XX/2007

Investment

Refinance Cash-out - Other

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400615

XXX

$XXX

5/XX/2006

UTD

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400866

XXX

$XXX

2/XX/2001

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400521

XXX

$XXX

8/XX/2005

Primary

Purchase

06/15/2021

Loan Review Complete

96401034

XXX

$XXX

8/XX/2003

Primary

Purchase

06/15/2021

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.

Loan Review Complete

96400241

XXX

$XXX

2/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400181

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] State Compliance - Connecticut Prepayment Penalty Test: Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

Loan Review Complete

96400157

XXX

$XXX

6/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400762

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96401083

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400165

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400388

XXX

$XXX

1/XX/2006

Second Home

Purchase

06/15/2021

[3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided

Loan Review Complete

96400908

XXX

$XXX

6/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400414

XXX

$XXX

5/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400084

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Due On Sale Clause, Holder's right to foreclose, Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.

Loan Review Complete

96400381

XXX

$XXX

6/XX/1999

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/1999 used as disbursement date for compliance testing.

[2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/1999, prior to three (3) business days from transaction date of 06/XX/1999.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Loan Review Complete

96400753

XXX

$XXX

6/XX/1998

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400394

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400150

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

Loan Review Complete

96400695

XXX

$XXX

12/XX/2005

Primary

Purchase

06/15/2021

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400418

XXX

$XXX

11/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2003 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2003, prior to three (3) business days from transaction date of 11/XX/2003.

Loan Review Complete

96400403

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400488

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

Loan Review Complete

96401049

XXX

$XXX

7/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400754

XXX

$XXX

2/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400844

XXX

$XXX

8/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400380

XXX

$XXX

4/XX/2009

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400017

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400397

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.

[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.

Loan Review Complete

96400935

XXX

$XXX

9/XX/2005

Primary

UTD UTD

UTD

Yes

06/15/2021

Loan Review Complete

96400756

XXX

$XXX

3/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.17105% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines.

Loan Review Complete

96400882

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 04/XX/2004.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400633

XXX

$XXX

3/XX/1998

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1998 used as disbursement date for compliance testing.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/1998, prior to three (3) business days from transaction date of 03/XX/1998.

Loan Review Complete

96400524

XXX

$XXX

12/XX/2006

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $3,867.31.
EXCEPTION INFO: Unable to determine cause of under disclosure due to missing itemization of amount financed. There is, however, a seller credit $4,700.00 on line 213 of the HUD. Since this credit was not itemized, it was not applied.

Loan Review Complete

96400835

XXX

$XXX

11/XX/2005

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] State Compliance - Maryland Prepayment Penalty Test: Maryland Prepayment Penalty: Loan prepay term of 60 months exceeds state maximum of 36 months. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400256

XXX

$XXX

6/XX/2000

Primary

Purchase

06/15/2021

Loan Review Complete

96400077

XXX

$XXX

4/XX/2001

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2001 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.74983% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2001 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2001, prior to three (3) business days from transaction date of 04/XX/2001.

Loan Review Complete

96400411

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400404

XXX

$XXX

8/XX/2006

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400528

XXX

$XXX

12/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400830

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400610

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.

Loan Review Complete

96400033

XXX

$XXX

12/XX/2005

Investment

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96401078

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400250

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.20267% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400973

XXX

$XXX

8/XX/2003

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Maryland Late Charge Grace Period Testing: Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401044

XXX

$XXX

1/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400907

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.00001% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400902

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400382

XXX

$XXX

1/XX/2001

Primary

Purchase

06/15/2021

[2] State Compliance - Ohio Prepayment Penalty: Ohio Prepayment Penalty: Maximum calculated prepay of $2,887.83 exceeds the state maximum of 1% of the original balance ($XXX).

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96401105

XXX

$XXX

1/XX/2002

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400737

XXX

$XXX

2/XX/2005

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.

[2] State Compliance - Virginia Tangible Net Benefit Test: Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.

Loan Review Complete

96400609

XXX

$XXX

10/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 10/XX/2004.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400554

XXX

$XXX

2/XX/2005

Primary

Refinance UTD

Yes

06/15/2021

Loan Review Complete

96400148

XXX

$XXX

2/XX/2001

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.14588% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400616

XXX

$XXX

9/XX/2005

Primary

Refinance UTD

Yes

06/15/2021

[2] State Compliance - Connecticut Prepayment Penalty Test: Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400163

XXX

$XXX

4/XX/2005

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400930

XXX

$XXX

1/XX/2008

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.

Loan Review Complete

96400857

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400858

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400746

XXX

$XXX

6/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400299

XXX

$XXX

12/XX/2006

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of 8.00000% contracts for a prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $10,633.94.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 4.883% per the Closing Instructions, however the lowest index value available in the lookback period is 5.01%

Loan Review Complete

96400970

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.

Loan Review Complete

96401073

XXX

$XXX

2/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.55525% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96400166

XXX

$XXX

4/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.20515% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400373

XXX

$XXX

1/XX/2001

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.32761% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Pennsylvania Prepayment Penalty Banking Code: Pennsylvania Prepayment Penalty: A prepayment penalty is not permissible on a loan made by a Pennsylvania-chartered bank or bank and trust company.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96400726

XXX

$XXX

7/XX/1998

Primary

Purchase

06/15/2021

Loan Review Complete

96400083

XXX

$XXX

5/XX/2006

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400372

XXX

$XXX

8/XX/2002

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401039

XXX

$XXX

3/XX/2001

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2001 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 7.25000% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2001, prior to three (3) business days from transaction date of 03/XX/2001.

Loan Review Complete

96400019

XXX

$XXX

10/XX/2001

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.77649% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401052

XXX

$XXX

6/XX/2001

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400738

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.

Loan Review Complete

96400515

XXX

$XXX

3/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.11501% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2004, prior to three (3) business days from transaction date of 03/XX/2004.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400412

XXX

$XXX

7/XX/2005

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.

[2] State Compliance - Virginia Tangible Net Benefit Test: Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.

Loan Review Complete

96400177

XXX

$XXX

11/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400550

XXX

$XXX

8/XX/1999

Second Home

Purchase

06/15/2021

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1999 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $28,352.19.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 4.729% per the Closing Instructions, however the lowest index value available in the lookback period is 5.0300%.

Loan Review Complete

96400398

XXX

$XXX

10/XX/2006

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400976

XXX

$XXX

3/XX/1999

UTD

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1999 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400090

XXX

$XXX

3/XX/2008

Second Home

Refinance Cash-out - Debt Consolidation

06/15/2021

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96400407

XXX

$XXX

8/XX/2003

Primary

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96400822

XXX

$XXX

3/XX/2010

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.

[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.

[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.

[2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.

[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,017.60.
EXCEPTION INFO: Unable to determine under disclosure due to missing itemization of amount financed.

[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.

Loan Review Complete

96400828

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400904

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.17585% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400739

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96401085

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96401079

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.

Loan Review Complete

96400654

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400879

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.56993% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] State Compliance - Oregon Prepayment Penalty Max Prepay: Oregon Prepayment Penalty: Loan agreement or Note does not clearly state the maximum prepayment penalty applicable to each year of the loan.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $74.79.
EXCEPTION INFO: TIL itemization did not disclose $25 email fee or $50 payoff statement fee as prepaid finance charges

Loan Review Complete

96400836

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) Prepay language states prepay will not exceed maximum permitted by applicable law.

Loan Review Complete

96400708

XXX

$XXX

1/XX/2004

Primary

Refinance Cash-out - Other

06/15/2021

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 01/XX/2004.

Loan Review Complete

96400818

XXX

$XXX

6/XX/2009

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $255.01.
EXCEPTION INFO: TIL Itemization only disclosed origination charges in the amount of $XXX, however, final HUD reflects $XXX.

Loan Review Complete

96400710

XXX

$XXX

6/XX/2005

Primary

Refinance UTD

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005.

Loan Review Complete

96400400

XXX

$XXX

9/XX/2006

Primary

Purchase

06/15/2021

Loan Review Complete

96400240

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400823

XXX

$XXX

4/XX/2010

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400378

XXX

$XXX

9/XX/2008

Primary

Refinance UTD

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401074

XXX

$XXX

12/XX/2007

Primary

Purchase

06/15/2021

Loan Review Complete

96400829

XXX

$XXX

5/XX/2007

Primary

Purchase

06/15/2021

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400547

XXX

$XXX

8/XX/2005

Primary

Purchase

06/15/2021

Loan Review Complete

96400598

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400715

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400764

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.

[2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of 8.09169% contracts for a prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Loan Review Complete

96400379

XXX

$XXX

10/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2008 used as disbursement date for compliance testing.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2008, prior to three (3) business days from transaction date of 10/XX/2008.

Loan Review Complete

96400888

XXX

$XXX

10/XX/2006

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400897

XXX

$XXX

9/XX/2003

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400900

XXX

$XXX

7/XX/2003

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2003, prior to three (3) business days from transaction date of 07/XX/2003.

Loan Review Complete

96400421

XXX

$XXX

7/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2002 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.80000% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Ohio Prepayment Penalty: Ohio Prepayment Penalty: Maximum calculated prepay of $4,184.51 exceeds the state maximum of 1% of the original balance ($XXX).

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2002, prior to three (3) business days from transaction date of 07/XX/2002.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96400306

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[3] State Compliance - West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees): West Virginia Residential Mortgage Lender, Broker and Servicer Act: Borrower not charged actual amount for third party fees.

Loan Review Complete

96400889

XXX

$XXX

2/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Kansas Prepayment Penalty: Kansas Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 6 months. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400675

XXX

$XXX

10/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400698

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.

Loan Review Complete

96400518

XXX

$XXX

3/XX/2005

UTD

Purchase

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

Loan Review Complete

96400091

XXX

$XXX

1/XX/2006

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400840

XXX

$XXX

2/XX/2004

UTD

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400391

XXX

$XXX

1/XX/2005

Primary

Purchase

06/15/2021

Loan Review Complete

96400544

XXX

$XXX

UTD

07/08/2021

[3] Loan File - (Missing Doc) Incomplete loan images/file
EXCEPTION INFO: File contains only post-closing documentation.

Loan Review Complete

96400703

XXX

$XXX

10/XX/2006

UTD

UTD UTD

UTD

Yes

06/15/2021

Loan Review Complete

96401077

XXX

$XXX

12/XX/2005

Primary

Purchase

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400932

XXX

$XXX

9/XX/2008

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.62908% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2008). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2008) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96400508

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.

Loan Review Complete

96400176

XXX

$XXX

7/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400510

XXX

$XXX

2/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.

Loan Review Complete

96400154

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $17,710.32.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 2.78% per the approval, however the lowest index value available in the lookback period is 2.89%.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96400369

XXX

$XXX

5/XX/2006

UTD

Refinance UTD

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: Illegible HUD-1 Used For Fee Testing: Missing Final HUD-1: Illegible HUD-1 used for any applicable Federal, State or Local compliance testing.
EXCEPTION INFO: High Cost testing is incomplete due to inability to capture illegible fees

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.32667% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400043

XXX

$XXX

6/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400564

XXX

$XXX

6/XX/1999

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96400389

XXX

$XXX

8/XX/2005

Primary

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400651

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400021

XXX

$XXX

12/XX/2007

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401045

XXX

$XXX

3/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400855

XXX

$XXX

10/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $10,188.18.
EXCEPTION INFO: Under disclosure due to index used at approval 1.522%, while index available in look-back is 1.595%

Loan Review Complete

96400393

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

Loan Review Complete

96400842

XXX

$XXX

12/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.13298% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96400526

XXX

$XXX

1/XX/2011

Second Home

Purchase

06/15/2021

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

Loan Review Complete

96401084

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.

Loan Review Complete

96401087

XXX

$XXX

10/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.28118% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.

Loan Review Complete

96400648

XXX

$XXX

1/XX/2008

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400712

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] State Compliance - Georgia Home Loan (Late Charge): Georgia Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period of less than ten (10) days.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400747

XXX

$XXX

5/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400370

XXX

$XXX

2/XX/2006

UTD

Purchase

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400834

XXX

$XXX

8/XX/2005

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400913

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Maryland Late Charge Grace Period Testing: Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

Loan Review Complete

96401072

XXX

$XXX

11/XX/2006

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] State Compliance - North Carolina First Lien Late Charge Percent Testing: North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

Loan Review Complete

96400915

XXX

$XXX

2/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2004, prior to three (3) business days from transaction date of 02/XX/2004.

Loan Review Complete

96400903

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400236

XXX

$XXX

6/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400251

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: TIL in file indicated to be final, expected funding date same as note date but is not signed or dated by borrower so cannot confirm that borrower received.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.

Loan Review Complete

96400833

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400752

XXX

$XXX

1/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005.

Loan Review Complete

96400673

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400527

XXX

$XXX

12/XX/2006

UTD

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400375

XXX

$XXX

5/XX/2009

Primary

Purchase

Yes

06/15/2021

[2] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower’s ability to repay not verified with reliable documentation.

[2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.

[2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.

Loan Review Complete

96400493

XXX

$XXX

6/XX/2007

Primary

Purchase

Yes

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400659

XXX

$XXX

11/XX/2002

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $1,137.27.
EXCEPTION INFO: Fees are under disclosed $225.54 and fees match the HUD. Unable to verify the reason for the under disclosure due to missing Itemization.

Loan Review Complete

96400605

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2003, prior to three (3) business days from transaction date of 07/XX/2003.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400916

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400186

XXX

$XXX

7/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $23,996.67.
EXCEPTION INFO: Under disclosure is due to the lender utilizing an index value of 3.79% per the approval, however the lowest index value available in the lookback period is 3.94%.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96400195

XXX

$XXX

3/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400175

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400543

XXX

$XXX

7/XX/2004

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400635

XXX

$XXX

12/XX/1999

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400988

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.

Loan Review Complete

96400499

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

Loan Review Complete

96400377

XXX

$XXX

6/XX/2006

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400860

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.

Loan Review Complete

96400519

XXX

$XXX

7/XX/2005

Primary

Purchase

Yes

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400252

XXX

$XXX

3/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] State Compliance - Massachusetts Borrower's Interest Tangible Net Benefit Test: Massachusetts Home Loan: Unable to determine if mortgage loan was refinanced within 60 months without providing a tangible net benefit to the borrower due to missing prior loan information.

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400507

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.08837% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business days from transaction date of 11/XX/2004.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400183

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400883

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400824

XXX

$XXX

12/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400931

XXX

$XXX

4/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.

Loan Review Complete

96400063

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.63120% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400244

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400487

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.05211% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

Loan Review Complete

96400713

XXX

$XXX

11/XX/2005

Investment

Refinance Rate/Term

06/15/2021

Loan Review Complete

96401051

XXX

$XXX

5/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2003, prior to three (3) business days from transaction date of 05/XX/2003.

Loan Review Complete

96400092

XXX

$XXX

12/XX/2006

Primary

Purchase

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400486

XXX

$XXX

8/XX/2006

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96400964

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401086

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.

Loan Review Complete

96400500

XXX

$XXX

10/XX/2005

UTD

Refinance UTD

Yes

06/15/2021

[2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Maximum prepay allowed is 6 months interest calculated on 80% of the original balance ($XXX). Loan contracts for maximum calculated prepay of $4,527.53, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400088

XXX

$XXX

1/XX/2009

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2009 used as disbursement date for compliance testing.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $625.75.
EXCEPTION INFO: Itemization did not disclose the $625 Attorney fee as a prepaid finance charge.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2009, prior to three (3) business days from transaction date of 01/XX/2009.

Loan Review Complete

96400740

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] State Compliance - Alabama Prepayment Penalty: Alabama Prepayment Penalty: A prepayment penalty is not permitted under the Consumer Credit Act.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.42105% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400058

XXX

$XXX

10/XX/2000

Primary

Purchase

06/15/2021

Loan Review Complete

96400014

XXX

$XXX

4/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96401089

XXX

$XXX

5/XX/2008

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.34515% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2008). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2008) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.

Loan Review Complete

96400963

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.

Loan Review Complete

96400413

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.30319% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.

Loan Review Complete

96400989

XXX

$XXX

8/XX/2004

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401055

XXX

$XXX

7/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.95691% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) Prepay language states prepay will not exceed maximum permitted by applicable law.

Loan Review Complete

96401056

XXX

$XXX

12/XX/2005

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400384

XXX

$XXX

7/XX/2008

Primary

Purchase

06/15/2021

Loan Review Complete

96400495

XXX

$XXX

1/XX/2005

Primary

Purchase

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $245.71.
EXCEPTION INFO: Unable to determine under disclosure due to missing Itemization of amount financed.

Loan Review Complete

96401081

XXX

$XXX

2/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.

Loan Review Complete

96400655

XXX

$XXX

11/XX/2003

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.56950% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines.

Loan Review Complete

96400751

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.

Loan Review Complete

96400082

XXX

$XXX

7/XX/2004

Investment

Refinance Cash-out - Other

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400087

XXX

$XXX

3/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401076

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400060

XXX

$XXX

1/XX/2005

Primary

Purchase

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400406

XXX

$XXX

12/XX/2006

Investment

Refinance Cash-out - Other

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400758

XXX

$XXX

10/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] State Compliance - Iowa Prepayment Penalty: Iowa Prepayment Penalty: A prepayment penalty is not permitted per state law. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400235

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.

Loan Review Complete

96400246

XXX

$XXX

8/XX/2007

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400707

XXX

$XXX

11/XX/2002

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2002, prior to three (3) business days from transaction date of 12/XX/2002.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96400243

XXX

$XXX

2/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.96839% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400604

XXX

$XXX

5/XX/2002

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Miscellaneous Compliance - (Doc Error) RTC Error: Right to Cancel expiration date is blank.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2002, prior to three (3) business days from transaction date of 05/XX/2002.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information.

Loan Review Complete

96400967

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400607

XXX

$XXX

8/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.18551% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2004, prior to three (3) business days from transaction date of 08/XX/2004.

Loan Review Complete

96400556

XXX

$XXX

6/XX/2005

Primary

Purchase

06/15/2021

Loan Review Complete

96400509

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400602

XXX

$XXX

2/XX/2009

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2009 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.44128% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2009). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2009) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2009, prior to three (3) business days from transaction date of 02/XX/2009.

Loan Review Complete

96400748

XXX

$XXX

4/XX/2000

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2000 used as disbursement date for compliance testing.

[2] State Compliance - North Carolina Home Loan (Impermissible Prepayment Penalty): North Carolina Home Loan: First lien mortgage loan less than $150,000 contains an impermissible prepayment penalty.

[2] State Compliance - North Carolina First Lien Late Charge Percent Testing: North Carolina Late Charge: Note late charge percent of 10.00000% exceeds the state maximum of 4%.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2000, prior to three (3) business days from transaction date of 04/XX/2000.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96400038

XXX

$XXX

1/XX/2000

UTD

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2000 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400363

XXX

$XXX

8/XX/2005

Primary

Purchase

06/15/2021

Loan Review Complete

96400401

XXX

$XXX

12/XX/2004

UTD

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Maryland Prepayment Penalty Test: Maryland Prepayment Penalty: Loan prepay term of 60 months exceeds state maximum of 36 months. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400532

XXX

$XXX

7/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96401058

XXX

$XXX

1/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400514

XXX

$XXX

3/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.14341% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005.

Loan Review Complete

96400859

XXX

$XXX

7/XX/2003

Primary

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Massachusetts Prepayment Penalty: Massachusetts Prepayment Penalty: A prepayment penalty is not permissible on a partial prepayment. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400517

XXX

$XXX

3/XX/2005

Primary

Refinance UTD

Yes

06/15/2021

Loan Review Complete

96400681

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.91682% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

Loan Review Complete

96400599

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.

Loan Review Complete

96401038

XXX

$XXX

1/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005.

Loan Review Complete

96400029

XXX

$XXX

1/XX/2000

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96400061

XXX

$XXX

10/XX/2005

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $254.76.
EXCEPTION INFO: TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects
$XXX.

Loan Review Complete

96400741

XXX

$XXX

1/XX/2006

Primary

Purchase

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400878

XXX

$XXX

3/XX/2004

UTD

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400387

XXX

$XXX

12/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

Loan Review Complete

96400147

XXX

$XXX

6/XX/1999

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400613

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.87103% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

Loan Review Complete

96400555

XXX

$XXX

4/XX/2005

Primary

Purchase

06/15/2021

Loan Review Complete

96400237

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

06/15/2021

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing.

Loan Review Complete

96400044

XXX

$XXX

6/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Loan Review Complete

96401104

XXX

$XXX

8/XX/2003

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96401043

XXX

$XXX

1/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 01/XX/2004.

Loan Review Complete

96400169

XXX

$XXX

3/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2003, prior to three (3) business days from transaction date of 03/XX/2003.

Loan Review Complete

96400742

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400047

XXX

$XXX

12/XX/2005

Primary

Purchase

Yes

06/15/2021

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96400534

XXX

$XXX

10/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400003

XXX

$XXX

8/XX/1997

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1997 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400171

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

Loan Review Complete

96400571

XXX

$XXX

6/XX/2006

Primary

Purchase

06/15/2021

Loan Review Complete

96400757

XXX

$XXX

9/XX/2004

Primary

Purchase

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: A prepayment penalty is not permissible on an adjustable rate loan less than $250,000 and an introductory period less than 5 years. Prepay language states prepay will not exceed maximum permitted by applicable law.

Loan Review Complete

96400848

XXX

$XXX

8/XX/2003

Primary

Purchase

06/15/2021

Loan Review Complete

96400000

XXX

$XXX

11/XX/2000

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2000 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - South Carolina Prepayment Penalty: South Carolina Prepayment Penalty: A prepayment penalty is not permissible on a loan in the amount less than $100,000.00.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $300.00.
EXCEPTION INFO: Unable to determine under disclosure due to missing TIL Itemization of Amount Financed.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

Loan Review Complete

96400159

XXX

$XXX

5/XX/2006

Primary

Refinance Rate/Term

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.

[2] State Compliance - Virginia Tangible Net Benefit Test: Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.

Loan Review Complete

96400079

XXX

$XXX

10/XX/2005

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400143

XXX

$XXX

12/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

06/15/2021

Loan Review Complete

96400934

XXX

$XXX

5/XX/2003

UTD

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400533

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400485

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400696

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400005

XXX

$XXX

10/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400164

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.13950% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 04/XX/2004.

Loan Review Complete

96400568

XXX

$XXX

8/XX/2007

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.
EXCEPTION INFO: TIL in file indicated to be final, expected funding date same as disbursement and/or note date
but is not signed or dated by borrower so cannot confirm that borrower received.

Loan Review Complete

96400064

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400736

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400304

XXX

$XXX

2/XX/2006

Investment

Refinance UTD

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

Loan Review Complete

96400238

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400395

XXX

$XXX

7/XX/2007

Second Home

Purchase

06/15/2021

Loan Review Complete

96400078

XXX

$XXX

6/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2008 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Missouri Prepayment Penalty: Missouri Prepayment Penalty: Maximum calculated prepay of $5,328.56 exceeds the state maximum of 2% of the prepaid balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2008, prior to three (3) business days from transaction date of 06/XX/2008.

Loan Review Complete

96400301

XXX

$XXX

9/XX/2007

Primary

Purchase

06/15/2021

Loan Review Complete

96400145

XXX

$XXX

6/XX/1997

Primary

Purchase

06/15/2021

Loan Review Complete

96401033

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Max prepay term allowed on an adjustable rate loan greater than $250,000 is 12 months. Loan contracts for prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96400190

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400634

XXX

$XXX

4/XX/2003

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400001

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400146

XXX

$XXX

2/XX/1988

UTD

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400376

XXX

$XXX

7/XX/2006

Primary

Purchase

06/15/2021

Loan Review Complete

96400035

XXX

$XXX

10/XX/2004

UTD

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400496

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96400614

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400018

XXX

$XXX

8/XX/2006

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Alabama Prepayment Penalty: Alabama Prepayment Penalty: A prepayment penalty is not permitted under the Consumer Credit Act. Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96400298

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400611

XXX

$XXX

7/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.

Loan Review Complete

96400714

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.

Loan Review Complete

96400557

XXX

$XXX

1/XX/2006

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Ohio Prepayment Penalty: Ohio Prepayment Penalty: Maximum calculated prepay of $11,539.84 exceeds the state maximum of 1% of the original balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96400529

XXX

$XXX

9/XX/2009

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96400972

XXX

$XXX

9/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.27941% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2004, prior to three (3) business days from transaction date of 09/XX/2004.

Loan Review Complete

96400153

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - New Hampshire Prepayment Penalty First Lien: New Hampshire Prepayment Penalty: Prepayment penalty terms on a first lien loan not printed in bold on the Note or Note Addendum.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400027

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] State Compliance - Maryland Late Charge Grace Period Testing: Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400846

XXX

$XXX

1/XX/2003

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400575

XXX

$XXX

8/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2008 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower’s ability to repay not verified with reliable documentation.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2008, prior to three (3) business days from transaction date of 08/XX/2008.

Loan Review Complete

96401069

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.23550% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.

Loan Review Complete

96400371

XXX

$XXX

8/XX/2008

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] General - Incomplete Document: Note - Subject Lien is incomplete
EXCEPTION INFO: Note does not provide an interest rate or payment for the permanent phase. Used interest rate and payment from final approval for compliance testing purposes.

[3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.

Loan Review Complete

96400875

XXX

$XXX

4/XX/2011

Primary

Purchase

06/15/2021

[3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)

Loan Review Complete

96400531

XXX

$XXX

6/XX/2005

Primary

Purchase

06/15/2021

Loan Review Complete

96400302

XXX

$XXX

12/XX/2007

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400158

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Unable to test Bill of Rights disclosure due to missing information.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Unable to test Consumer Caution notice due to missing information.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.

[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.

Loan Review Complete

96400827

XXX

$XXX

9/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400884

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.

Loan Review Complete

96400719

XXX

$XXX

12/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2004, prior to three (3) business days from transaction date of 12/XX/2004.

Loan Review Complete

96400612

XXX

$XXX

4/XX/2008

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $35.62.
EXCEPTION INFO: Under disclosure is due to Daily Simple Interest calculating an additional $35.62 that is added to the final payment.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.

Loan Review Complete

96400189

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400502

XXX

$XXX

8/XX/2002

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2002 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] State Compliance - North Carolina First Lien Late Charge Percent Testing: North Carolina Late Charge: Note late charge percent of 10.00000% exceeds the state maximum of 4%.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400885

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.

Loan Review Complete

96400893

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.

Loan Review Complete

96400652

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.

Loan Review Complete

96400535

XXX

$XXX

5/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400962

XXX

$XXX

1/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 7.35000% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] State Compliance - Kentucky Prepayment Penalty Test: Kentucky Prepayment Penalty: Maximum calculated prepay of $5,479.97 exceeds the state maximum of 5% of the outstanding balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2002, prior to three (3) business days from transaction date of 01/XX/2002.

Loan Review Complete

96400156

XXX

$XXX

2/XX/2005

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005.

Loan Review Complete

96401047

XXX

$XXX

5/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400142

XXX

$XXX

11/XX/1999

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1999 used as disbursement date for compliance testing.

[2] State Compliance - North Carolina Home Loan (Impermissible Prepayment Penalty): North Carolina Home Loan: First lien mortgage loan less than $150,000 contains an impermissible prepayment penalty.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/1999, prior to three (3) business days from transaction date of 11/XX/1999.

Loan Review Complete

96400905

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400383

XXX

$XXX

11/XX/2005

Primary

Purchase

06/15/2021

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400711

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Other

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400012

XXX

$XXX

8/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400162

XXX

$XXX

4/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401057

XXX

$XXX

11/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400632

XXX

$XXX

3/XX/1990

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1990 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $452.01.
EXCEPTION INFO: Fees are under disclosed $452.01 and fees match the HUD. Unable to verify the reason for the under disclosure due to missing Itemization.

Loan Review Complete

96400007

XXX

$XXX

3/XX/2007

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400028

XXX

$XXX

11/XX/2001

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.77001% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.

[2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2001, prior to three (3) business days from transaction date of 11/XX/2001.

Loan Review Complete

96400553

XXX

$XXX

8/XX/2004

Primary

Purchase

06/15/2021

Loan Review Complete

96400759

XXX

$XXX

1/XX/2009

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400895

XXX

$XXX

1/XX/1994

Primary

Refinance Cash-out - Other

06/15/2021

Loan Review Complete

96400917

XXX

$XXX

9/XX/2005

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.

Loan Review Complete

96400979

XXX

$XXX

5/XX/2003

UTD

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400856

XXX

$XXX

4/XX/2007

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.
EXCEPTION INFO: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed
or dated by borrower so cannot confirm that borrower received.

Loan Review Complete

96400513

XXX

$XXX

2/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.07145% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400541

XXX

$XXX

12/XX/2004

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400032

XXX

$XXX

2/XX/2006

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400542

XXX

$XXX

8/XX/2007

Primary

Purchase

06/15/2021

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties
EXCEPTION INFO: TIL appears to be Final, not signed or initialed by Borrower

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.
EXCEPTION INFO: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or initialed by borrower so cannot confirm that borrower received.

Loan Review Complete

96400392

XXX

$XXX

3/XX/2007

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400366

XXX

$XXX

2/XX/2007

Investment

Purchase

Yes

06/15/2021

Loan Review Complete

96400743

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400865

XXX

$XXX

10/XX/2003

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400826

XXX

$XXX

12/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400569

XXX

$XXX

11/XX/2003

Primary

Purchase

Yes

06/15/2021

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

1008 document is Missing

Loan Review Complete

96400184

XXX

$XXX

4/XX/2006

Investment

Refinance Cash-out - Home Improvement

06/15/2021

Loan Review Complete

96400185

XXX

$XXX

5/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $5,512.73.
EXCEPTION INFO: Payment stream under disclosure is due to lender utilizing an index value of 3.46% per the Approval, however the lowest index value available in the lookback period is 3.56%. Unable to determine fee portion of under disclosure due to Itemization of Amount Financed reflecting prepaid finance charge as a lump sum.

Loan Review Complete

96400025

XXX

$XXX

9/XX/2003

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400572

XXX

$XXX

9/XX/2006

Primary

Purchase

06/15/2021

Loan Review Complete

96400551

XXX

$XXX

11/XX/2003

Second Home

Purchase

06/15/2021

Loan Review Complete

96401054

XXX

$XXX

3/XX/2004

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.53184% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400978

XXX

$XXX

6/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2003, prior to three (3) business days from transaction date of 06/XX/2003.

Loan Review Complete

96401070

XXX

$XXX

4/XX/2005

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96400573

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400504

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.04979% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400505

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.

Loan Review Complete

96400239

XXX

$XXX

7/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400649

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400656

XXX

$XXX

6/XX/2004

Primary

Purchase

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400410

XXX

$XXX

3/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2004, prior to three (3) business days from transaction date of 03/XX/2004.

Loan Review Complete

96401041

XXX

$XXX

8/XX/2003

Primary

Purchase

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400709

XXX

$XXX

5/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400912

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] State Compliance - Maryland Late Charge Grace Period Testing: Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2003, prior to three (3) business days from transaction date of 07/XX/2003.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400415

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.

Loan Review Complete

96400717

XXX

$XXX

12/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.10168% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2004, prior to three (3) business days from transaction date of 12/XX/2004.

Loan Review Complete

96400881

XXX

$XXX

1/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 7.24043% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2002, prior to three (3) business days from transaction date of 01/XX/2002.

Loan Review Complete

96400482

XXX

$XXX

6/XX/1993

Primary

Refinance Rate/Term

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400906

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.

[2] State Compliance - Maryland Late Charge Grace Period Testing: Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400073

XXX

$XXX

1/XX/2008

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400539

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400843

XXX

$XXX

12/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400901

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400367

XXX

$XXX

8/XX/2007

Primary

Refinance Rate/Term

Yes

06/15/2021

Loan Review Complete

96401102

XXX

$XXX

8/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.

[2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Minnesota Residential Mortgage Originator and Servicer Licensing Act: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and max balance, if applicable.

[2] State Compliance - (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold): Minnesota Subprime Loan: APR on subject loan of 10.60621% or Final Disclosure APR of 10.60600% is in excess of allowable threshold of USTreasury 5.00000% + 3%, or 8.00000%. Compliant Subprime Loan.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.

Loan Review Complete

96400765

XXX

$XXX

8/XX/1999

Investment

Refinance Cash-out - Debt Consolidation

06/15/2021

Loan Review Complete

96400933

XXX

$XXX

10/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable

[2] State Compliance - Massachusetts MLBR (Missing Data) Document Type Not Provided: Massachusetts Mortgage Lender and Broker Regulations: Unable to determine if the borrower was required to provide a signed statement disclosing their income due to missing document type.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Loan Review Complete

96400192

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400191

XXX

$XXX

11/XX/2006

Primary

Purchase

06/15/2021

Loan Review Complete

96400303

XXX

$XXX

3/XX/2008

Second Home

Purchase

06/15/2021

Loan Review Complete

96400911

XXX

$XXX

1/XX/2006

Primary

Purchase

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400188

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400194

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $2,477.53.
EXCEPTION INFO: Under disclosure is due to lender utilizing an index value of 4.69% per the Approval, however the lowest index value available in the lookback period is 4.73%.

Loan Review Complete

96400193

XXX

$XXX

2/XX/2007

Investment

Refinance Rate/Term

06/15/2021

[2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.

[2] Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Priced: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment).
EXCEPTION INFO: The final 1003 page 1 indicates property will be used as the primary residence, however page 4 declaration question, "Do you intend to occupy the property as your primary residence?" is checked no.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

Loan Review Complete

96400869

XXX

$XXX

6/XX/2006

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400503

XXX

$XXX

7/XX/2001

UTD

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.

Loan Review Complete

96400059

XXX

$XXX

5/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400374

XXX

$XXX

10/XX/2003

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400167

XXX

$XXX

2/XX/2006

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400013

XXX

$XXX

1/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96401053

XXX

$XXX

3/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Missouri Prepayment Penalty: Missouri Prepayment Penalty: Maximum calculated prepay of $4,980.00 exceeds the state maximum of 2% of the prepaid balance ($XXX).

Loan Review Complete

96400678

XXX

$XXX

3/XX/2005

Primary

Purchase

06/15/2021

Loan Review Complete

96400396

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $414.33.
EXCEPTION INFO: TIL itemization did not disclose a Settlement fee of $350 and Motor Vehicle Fee of $57.50 as prepaid finance charges. Unable to determine payment stream under disclosure due to interest collection in arrears FLI.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.

Loan Review Complete

96400420

XXX

$XXX

3/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.60039% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)

Loan Review Complete

96400045

XXX

$XXX

4/XX/2005

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.60187% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96400603

XXX

$XXX

4/XX/2000

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.00000% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2000, prior to three (3) business days from transaction date of 04/XX/2000.

Loan Review Complete

96400937

XXX

$XXX

3/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400552

XXX

$XXX

12/XX/2003

Second Home

Purchase

06/15/2021

Loan Review Complete

96400254

XXX

$XXX

4/XX/1999

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400399

XXX

$XXX

6/XX/2007

Second Home

Purchase

06/15/2021

Loan Review Complete

96400247

XXX

$XXX

9/XX/2008

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Maryland Late Charge Grace Period Testing: Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96400390

XXX

$XXX

8/XX/2006

Primary

Purchase

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400968

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.

[2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400618

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400821

XXX

$XXX

10/XX/2005

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400242

XXX

$XXX

12/XX/2006

Primary

Refinance Rate/Term

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.11716% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96401075

XXX

$XXX

9/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Loan Review Complete

96401042

XXX

$XXX

10/XX/2003

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400178

XXX

$XXX

7/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400187

XXX

$XXX

9/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400408

XXX

$XXX

1/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

Loan Review Complete

96400676

XXX

$XXX

12/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400152

XXX

$XXX

5/XX/2005

Primary

UTD UTD

UTD

Yes

06/15/2021

Loan Review Complete

96400657

XXX

$XXX

10/XX/2004

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 5.99550% is underdisclosed from calculated APR of 6.83123% outside of 0.250% tolerance.
EXCEPTION INFO: The Lender used an index of 2.2% to disclose the payment streams on the TIL. However, using 1.98%, the lowest index available in the look back period, results in a payment stream that exceeds the one disclosed on the TIL.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $35,015.33.
EXCEPTION INFO: The Lender used an index of 2.2% to disclose the payment streams on the TIL. However, using 1.98%, the lowest index available in the look back period, results in a payment stream that exceeds the one disclosed on the TIL.

Loan Review Complete

96400020

XXX

$XXX

2/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.36685% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400658

XXX

$XXX

1/XX/2005

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

Loan Review Complete

96400072

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400516

XXX

$XXX

1/XX/2006

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400523

XXX

$XXX

9/XX/2006

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400653

XXX

$XXX

3/XX/1998

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1998 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/1998, prior to three (3) business days from transaction date of 03/XX/1998.

Loan Review Complete

96400548

XXX

$XXX

4/XX/2006

Primary

Purchase

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400248

XXX

$XXX

9/XX/2002

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2002 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400538

XXX

$XXX

10/XX/2007

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Loan Review Complete

96400566

XXX

$XXX

9/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2004, prior to three (3) business days from transaction date of 09/XX/2004.

Loan Review Complete

96400825

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96401082

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400173

XXX

$XXX

1/XX/2003

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2003 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2003, prior to three (3) business days from transaction date of 01/XX/2003.

Loan Review Complete

96400006

XXX

$XXX

6/XX/1998

Primary

Purchase

06/15/2021

[2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $2,693.75.
EXCEPTION INFO: Under disclosure is due to lender's TIL reflecting MIP in force for 143 months, based on loan type, loan amount and appraised value the MIP would be in force for 360 months.

Loan Review Complete

96400024

XXX

$XXX

2/XX/2007

Primary

Purchase

06/15/2021

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.
EXCEPTION INFO: TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL.

Loan Review Complete

96400525

XXX

$XXX

10/XX/2006

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400385

XXX

$XXX

4/XX/2009

Primary

Purchase

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

Loan Review Complete

96400010

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400975

XXX

$XXX

2/XX/2002

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2002 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.75999% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2002, prior to three (3) business days from transaction date of 02/XX/2002.

Loan Review Complete

96400022

XXX

$XXX

12/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] State Compliance - Connecticut Prepayment Penalty Test: Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2004, prior to three (3) business days from transaction date of 12/XX/2004.

Loan Review Complete

96400522

XXX

$XXX

7/XX/2006

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400071

XXX

$XXX

8/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400530

XXX

$XXX

6/XX/2006

Primary

Purchase

06/15/2021

Loan Review Complete

96400699

XXX

$XXX

4/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.

Loan Review Complete

96400704

XXX

$XXX

1/XX/1999

Primary

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/1999 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400039

XXX

$XXX

7/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.51220% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2007) (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400570

XXX

$XXX

9/XX/2010

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

Loan Review Complete

96400076

XXX

$XXX

4/XX/1999

Primary

Purchase

06/15/2021

Loan Review Complete

96400819

XXX

$XXX

12/XX/2013

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400234

XXX

$XXX

12/XX/2003

Primary

Purchase

06/15/2021

Loan Review Complete

96400483

XXX

$XXX

10/XX/2003

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400679

XXX

$XXX

4/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.24227% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96401035

XXX

$XXX

7/XX/2002

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

Loan Review Complete

96400141

XXX

$XXX

11/XX/1998

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - Ohio Prepayment Penalty: Ohio Prepayment Penalty: Maximum calculated prepay of $2,760.00 exceeds the state maximum of 1% of the original balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96400172

XXX

$XXX

7/XX/2006

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2007.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Loan Review Complete

96400497

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400036

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM Booklet due to missing information.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.

Loan Review Complete

96401106

XXX

$XXX

7/XX/2004

Primary

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400705

XXX

$XXX

6/XX/2000

Investment

Refinance Rate/Term

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

Loan Review Complete

96400563

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400680

XXX

$XXX

5/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400040

XXX

$XXX

5/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

Loan Review Complete

96400880

XXX

$XXX

4/XX/2003

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400026

XXX

$XXX

5/XX/2007

Primary

Purchase

Yes

06/15/2021

Loan Review Complete

96400011

XXX

$XXX

7/XX/2007

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[1] Federal Compliance - (Trigger Exception) RESPA Affiliated Business Arrangement Disclosure in File. ABA Screen Applicable: Unable to determine if an Affiliated Business Arrangement exists due to missing information.

Loan Review Complete

96400015

XXX

$XXX

4/XX/2007

Primary

Purchase

Yes

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.

[2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Loan Review Complete

96400031

XXX

$XXX

8/XX/2003

Primary

Purchase

06/15/2021

Loan Review Complete

96400606

XXX

$XXX

7/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.

Loan Review Complete

96400070

XXX

$XXX

10/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

Loan Review Complete

96400982

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400512

XXX

$XXX

10/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.

[2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.

Loan Review Complete

96400749

XXX

$XXX

8/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96401103

XXX

$XXX

8/XX/2004

Primary

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400308

XXX

$XXX

6/XX/2006

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.

[2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.

Loan Review Complete

96400721

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.

Loan Review Complete

96400898

XXX

$XXX

1/XX/2005

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005.

Loan Review Complete

96401080

XXX

$XXX

11/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96401046

XXX

$XXX

4/XX/2004

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

Loan Review Complete

96400990

XXX

$XXX

2/XX/2005

Primary

Purchase

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400876

XXX

$XXX

4/XX/2009

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

Loan Review Complete

96400601

XXX

$XXX

12/XX/2007

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.

Loan Review Complete

96401071

XXX

$XXX

1/XX/2007

Investment

Refinance Cash-out - Home Improvement

06/15/2021

[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400368

XXX

$XXX

11/XX/2009

Primary

Purchase

Yes

06/15/2021

[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.

[2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.

Loan Review Complete

96400674

XXX

$XXX

10/XX/2004

Primary

Purchase

06/15/2021

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided

[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.

[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400402

XXX

$XXX

3/XX/2006

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

Loan Review Complete

96400832

XXX

$XXX

8/XX/2005

Primary

Purchase

06/15/2021

[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.

This would be a request that should be sent to UWQs rather than Elevated UW. We do not get notified when loans go to Elevated and when we're busy they loans will sit for days sometimes before we get to work on anything. The issue on this loan was the MI entered as borrower paid and not lender paid. This was determined by comparing the TIL streams to the system generated streams and seeing no MI. Also, the MI cert shows a lump sum to be paid upfront. Unless that amount is on the HUD, then then the Lender paid it. The approval also indicated lender paid MI and neither the final 1003 nor the 1st pmt letter included borrower paid MI.

Loan Review Complete

96400093

XXX

$XXX

7/XX/2002

Primary

Purchase

Yes

06/15/2021

[3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.88212% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

Loan Review Complete

96400971

XXX

$XXX

9/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.

[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.

Loan Review Complete

96400617

XXX

$XXX

2/XX/2003

Primary

UTD UTD

UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2003 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] State Compliance - Ohio Alternate Prepayment Penalty SMLA Test: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty which allows for a prepayment penalty on a refinance by the same lender. (applies only to Second Mortgage Loan Act registrants)

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96401037

XXX

$XXX

10/XX/2002

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 7.24999% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2002, prior to three (3) business days from transaction date of 10/XX/2002.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400074

XXX

$XXX

4/XX/2005

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.

[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.13481% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or X.XX%).

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.

[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.

[2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400877

XXX

$XXX

7/XX/2002

Primary

Purchase

06/15/2021

[3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)

[3] Document Error - Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.

[3] Government Documentation - Missing Document: FHA Case Number Assignment not provided

[3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided

[3] Government Documentation - Missing Document: HUD/VA 92900-A not provided

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.

Loan Review Complete

96400864

XXX

$XXX

2/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Maximum prepay allowed is 6 months interest calculated on 80% of the original balance ($XXX). Loan contracts for maximum calculated prepay of $5,762.00, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400009

XXX

$XXX

1/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[3] Application / Processing - Missing Valuation:
EXCEPTION INFO: Appraisal not provided.

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.

[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.

[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.

Loan Review Complete

96400501

XXX

$XXX

3/XX/2004

Primary

Refinance UTD

Yes

06/15/2021

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.

[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.

[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.

Loan Review Complete

96400409

XXX

$XXX

3/XX/2007

Primary

Refinance Cash-out - Debt Consolidation

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

Loan Review Complete

96400305

XXX

$XXX

3/XX/1998

Primary

Refinance Rate/Term

Yes

06/15/2021

[3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/1998 used as disbursement date for compliance testing.

[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided

[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

[2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver

[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/1998, prior to three (3) business days from transaction date of 04/XX/1998.

[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

[2] Federal Compliance - (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information): Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information.

Loan Review Complete

96400180

XXX

$XXX

11/XX/2004

Primary

Refinance Cash-out - Other

Yes

06/15/2021

[3] Application / Processing - Missing Document: Missing Final 1003

[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $9,041.14.
EXCEPTION INFO: Closing instructions indicate the Index used was 1.277%. The closest Index available in our look-back period is 1.355%

Loan Review Complete

96400831

XXX

$XXX

6/XX/2015

Primary

Refinance Cash-out - Home Improvement

Temporary SHQM (GSE/Agency Eligible)

Yes

06/14/2021

[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1
EXCEPTION INFO: Sufficient Cure provided

Loan Review Complete