EX-99.3 4 ex99-3.htm AMC EXCEPTION STANDARD REPORT

 

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

Exhibit 99.3

 

 

 

Exception Standard Report

Run Date - 7/12/2021 1:48:14 PM

Unique ID Loan Exception ID Exception ID Last Name Purpose Occupancy Note Date State Original Loan Amount Loan Status Exception Date Exception Category Exception Subcategory Exception Type Exception Status Exception Status Change Date Exception Grade Exception Exception Detail Exception Information Compensating Factors Statute of Limitation Date Comments
96400853 1717855 2798 XXX Purchase Primary 12/XX/2006 RI $XXX Loan Review Complete 11/19/2016 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400853 1718035 5445 XXX Purchase Primary 12/XX/2006 RI $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400853 1718037 5861 XXX Purchase Primary 12/XX/2006 RI $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 Initial Loan Application Status Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 month(s) prior to consummation. A 2 month lookback was used to determine this application date.
96400853 1718038 6301 XXX Purchase Primary 12/XX/2006 RI $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 12/XX/2007
96400853 1718039 6302 XXX Purchase Primary 12/XX/2006 RI $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2007
96400853 1729113 2641 XXX Purchase Primary 12/XX/2006 RI $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 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 $3,518.82. TIL Itemization did not disclose the POC broker fee of $XXX as prepaid finance charges. 12/XX/2007
96400850 1715556 2798 XXX Purchase Primary 8/XX/2003 TX $XXX Loan Review Complete 11/19/2016 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400850 1715578 3934 XXX Purchase Primary 8/XX/2003 TX $XXX Loan Review Complete 11/19/2016 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400850 1715580 5780 XXX Purchase Primary 8/XX/2003 TX $XXX Loan Review Complete 11/19/2016 Compliance Miscellaneous Compliance Compliance open 2 Initial TIL not provided 8/XX/2004
96400850 1715600 3366 XXX Purchase Primary 8/XX/2003 TX $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2004
96400851 1715391 6402 XXX Purchase Primary 7/XX/2006 PA $XXX Loan Review Complete 11/19/2016 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and may not contain standard legal language.
96400851 1715466 5445 XXX Purchase Primary 7/XX/2006 PA $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400851 1715467 1268 XXX Purchase Primary 7/XX/2006 PA $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400851 1715468 3366 XXX Purchase Primary 7/XX/2006 PA $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2007
96400852 1716050 1270 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OR $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 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.
96400852 1716051 6301 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OR $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 7/XX/2008
96400852 1716052 6302 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OR $XXX Loan Review Complete 11/19/2016 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2008
96400847 1782011 4967 XXX Purchase Primary 8/XX/2006 IL $XXX Loan Review Complete 12/01/2016 Property - Appraisal General Appraisal Requirements Compliance cleared 12/07/2016 1 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 Comment (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.
96400847 1782029 2798 XXX Purchase Primary 8/XX/2006 IL $XXX Loan Review Complete 12/01/2016 Loan Package Documentation Application / Processing Credit cleared 12/07/2016 1 Missing Document: Missing Final 1003 Reviewer Comment (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.
96400847 1782062 5445 XXX Purchase Primary 8/XX/2006 IL $XXX Loan Review Complete 12/01/2016 Compliance Federal Compliance Compliance cleared 12/07/2016 1 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Reviewer Comment (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.
96400847 1782063 6505 XXX Purchase Primary 8/XX/2006 IL $XXX Loan Review Complete 12/01/2016 Compliance Federal Compliance Compliance cleared 12/07/2016 1 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 Comment (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.
96400847 1782064 4013 XXX Purchase Primary 8/XX/2006 IL $XXX Loan Review Complete 12/01/2016 Loan Package Documentation Closing / Title Compliance cleared 12/07/2016 1 Missing Final HUD-1 Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. Reviewer Comment (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.
96400847 1782065 6301 XXX Purchase Primary 8/XX/2006 IL $XXX Loan Review Complete 12/01/2016 Compliance Federal Compliance Compliance cleared 12/07/2016 1 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 8/XX/2007 Reviewer Comment (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.
96400847 1782066 6302 XXX Purchase Primary 8/XX/2006 IL $XXX Loan Review Complete 12/01/2016 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2007
96400847 1782067 3366 XXX Purchase Primary 8/XX/2006 IL $XXX Loan Review Complete 12/01/2016 Compliance Federal Compliance Compliance cleared 12/07/2016 1 TILA - Final TIL Missing Missing Final TIL. 8/XX/2007 Reviewer Comment (2016-12-07): 12/XX/2016: Received documentation, clearing the exception.
96400249 1831212 2831 XXX Purchase Primary 12/XX/2009 FL $XXX Loan Review Complete 12/06/2016 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Mortgage Insurance Certificate not provided
96400249 1831232 3353 XXX Purchase Primary 12/XX/2009 FL $XXX Loan Review Complete 12/06/2016 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 12/XX/2010
96400873 2370247 2798 XXX Refinance Cash-out - Other Primary 12/XX/2002 NJ $XXX Loan Review Complete 02/22/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003 Missing final application.
96400873 2370355 3934 XXX Refinance Cash-out - Other Primary 12/XX/2002 NJ $XXX Loan Review Complete 02/22/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided GFE on page 7863 with no date.
96400873 2370488 1270 XXX Refinance Cash-out - Other Primary 12/XX/2002 NJ $XXX Loan Review Complete 02/22/2017 Compliance Federal Compliance Compliance open 2 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.
96400870 2358224 2798 XXX Refinance Rate/Term Primary 9/XX/2013 NC $XXX Loan Review Complete 02/21/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400870 2358498 5429 XXX Refinance Rate/Term Primary 9/XX/2013 NC $XXX Loan Review Complete 02/21/2017 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 801) Without Cure RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.
96400870 2358499 1274 XXX Refinance Rate/Term Primary 9/XX/2013 NC $XXX Loan Review Complete 02/21/2017 Compliance Federal Compliance Compliance open 2 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.
96400870 2358500 1275 XXX Refinance Rate/Term Primary 9/XX/2013 NC $XXX Loan Review Complete 02/21/2017 Compliance Federal Compliance Compliance open 2 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.
96400870 2358501 1287 XXX Refinance Rate/Term Primary 9/XX/2013 NC $XXX Loan Review Complete 02/21/2017 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96400870 2358502 1294 XXX Refinance Rate/Term Primary 9/XX/2013 NC $XXX Loan Review Complete 02/21/2017 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96400870 2358503 1305 XXX Refinance Rate/Term Primary 9/XX/2013 NC $XXX Loan Review Complete 02/21/2017 Compliance Federal Compliance Compliance open 2 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
96400870 2358504 2647 XXX Refinance Rate/Term Primary 9/XX/2013 NC $XXX Loan Review Complete 02/21/2017 Compliance Federal Compliance Compliance open 2 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). 9/XX/2016
96400870 2370318 613 XXX Refinance Rate/Term Primary 9/XX/2013 NC $XXX Loan Review Complete 02/21/2017 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 9/XX/2016
96400870 2370381 5445 XXX Refinance Rate/Term Primary 9/XX/2013 NC $XXX Loan Review Complete 02/21/2017 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400872 2377897 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2000 GA $XXX Loan Review Complete 02/21/2017 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A 2 month lookback was used to determine this application date. The final date used for testing was 1/XX/2000.
96400874 2371950 3934 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2000 TN $XXX Loan Review Complete 02/22/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400871 2359790 3934 XXX Refinance Cash-out - Other Primary 7/XX/2000 AR $XXX Loan Review Complete 02/21/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400867 2424612 2798 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 FL $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400867 2424750 6568 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 FL $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400867 2424812 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 FL $XXX Loan Review Complete 03/02/2017 Compliance Federal Compliance Compliance open 2 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.
96401040 2430333 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 TN $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401040 2430451 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 TN $XXX Loan Review Complete 03/02/2017 Compliance Federal Compliance Compliance open 2 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.
96401040 2430452 5780 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 TN $XXX Loan Review Complete 03/02/2017 Compliance Miscellaneous Compliance Compliance open 2 Initial TIL not provided 6/XX/2002
96400750 2430564 5010 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NY $XXX Loan Review Complete 03/02/2017 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 8/XX/2008
96400750 2434445 6568 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NY $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400750 2434483 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NY $XXX Loan Review Complete 03/02/2017 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96400854 2438207 5445 XXX Purchase Primary 8/XX/2007 TX $XXX Loan Review Complete 03/02/2017 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400700 2443278 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 GA $XXX Loan Review Complete 03/03/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400700 2443325 613 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 GA $XXX Loan Review Complete 03/03/2017 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 10/XX/2007
96400700 2443335 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 GA $XXX Loan Review Complete 03/03/2017 Compliance Federal Compliance Compliance open 2 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.
96400700 2443336 1661 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 GA $XXX Loan Review Complete 03/03/2017 Compliance State Compliance Compliance open 2 Georgia Home Loan (Arbitration Clause) Georgia Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause. 11/XX/2009
96400608 2440456 2798 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 MO $XXX Loan Review Complete 03/03/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400608 2440572 5445 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 MO $XXX Loan Review Complete 03/03/2017 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400608 2440573 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 MO $XXX Loan Review Complete 03/03/2017 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 1/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 8/XX/2004.
96400608 2440574 5010 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 MO $XXX Loan Review Complete 03/03/2017 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. Date payments are due are marked estimated. 2/XX/2008
96400608 2440579 613 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 MO $XXX Loan Review Complete 03/03/2017 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties The Loan agreement does have signatures and a statement above that by signing they received a copy of the Truth-in-lending disclosure. There is no area for borrower to sign the Truth in Lending. 2/XX/2008
96400608 2440592 6568 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 MO $XXX Loan Review Complete 03/03/2017 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400565 2446345 648 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 03/03/2017 Loan Package Documentation Closing / Title Compliance open 2 Note Error: Note grace period days less than minimum per state In CA a late charge may not be assessed if the payment is made in full within 10 days after its due date
96400565 2446348 1270 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 03/03/2017 Compliance Federal Compliance Compliance open 2 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.
96400969 2433820 5445 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 IN $XXX Loan Review Complete 03/02/2017 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400969 2433821 1267 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 IN $XXX Loan Review Complete 03/02/2017 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.
96400969 2433847 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 IN $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400969 2440169 613 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 IN $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 8/XX/2008
96400862 2430676 613 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 NY $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 6/XX/2007
96400938 2433899 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 GA $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400938 2434129 5010 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 GA $XXX Loan Review Complete 03/02/2017 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 8/XX/2005
96400938 2434142 5780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 GA $XXX Loan Review Complete 03/02/2017 Compliance Miscellaneous Compliance Compliance open 2 Initial TIL not provided 8/XX/2003
96400938 2434151 613 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 GA $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 8/XX/2005
96400938 2440179 710 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 GA $XXX Loan Review Complete 03/02/2017 Compliance State Compliance Compliance open 2 Note Error: Note late charge percentage exceeds maximum per state Late charge not allowed per state (GA) - max late charge for GA loan is 5% - note states 10%. Lender is XXX.
96400977 2434300 2798 XXX Refinance Rate/Term Primary 12/XX/2003 NY $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400977 2435348 613 XXX Refinance Rate/Term Primary 12/XX/2003 NY $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 12/XX/2006
96400977 2435357 6568 XXX Refinance Rate/Term Primary 12/XX/2003 NY $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400861 2429992 613 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 MO $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties TIL in file indicated to be final but is not signed or dated by borrower so cannot confirm that borrower received. 6/XX/2008
96400861 2430000 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 MO $XXX Loan Review Complete 03/02/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400861 2430044 5445 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 MO $XXX Loan Review Complete 03/02/2017 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400600 2439740 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 IN $XXX Loan Review Complete 03/03/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400600 2439782 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 IN $XXX Loan Review Complete 03/03/2017 Compliance Federal Compliance Compliance open 2 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.
96400600 2439784 5010 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 IN $XXX Loan Review Complete 03/03/2017 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 5/XX/2010
96400253 2492715 3934 XXX Purchase Primary 10/XX/1998 NV $XXX Loan Review Complete 03/14/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400253 2492735 7027 XXX Purchase Primary 10/XX/1998 NV $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 9/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 8/XX/1998.
96400253 2492736 6301 XXX Purchase Primary 10/XX/1998 NV $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 10/XX/1999
96400253 2492737 6302 XXX Purchase Primary 10/XX/1998 NV $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/1999
96400731 2515236 2798 XXX Refinance Rate/Term Primary 12/XX/2000 GA $XXX Loan Review Complete 03/14/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400731 2515242 6301 XXX Refinance Rate/Term Primary 12/XX/2000 GA $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 12/XX/2001
96400731 2515243 6302 XXX Refinance Rate/Term Primary 12/XX/2000 GA $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2001
96400731 2515244 2645 XXX Refinance Rate/Term Primary 12/XX/2000 GA $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2003
96400731 2515246 4912 XXX Refinance Rate/Term Primary 12/XX/2000 GA $XXX Loan Review Complete 03/14/2017 Loan Package Documentation Closing / Title Credit open 1 Final Title Policy is missing. No evidence of title was found in file.
96400731 2515247 3934 XXX Refinance Rate/Term Primary 12/XX/2000 GA $XXX Loan Review Complete 03/14/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400725 2507816 2798 XXX Refinance Cash-out - Other Primary 5/XX/1997 IN $XXX Loan Review Complete 03/14/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400725 2507905 7027 XXX Refinance Cash-out - Other Primary 5/XX/1997 IN $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 4/XX/1997 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/1996.
96400725 2507908 2645 XXX Refinance Cash-out - Other Primary 5/XX/1997 IN $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2000
96400725 2517096 2641 XXX Refinance Cash-out - Other Primary 5/XX/1997 IN $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 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 $181.24. Unable to determine source of under disclosure due to missing itemization of amount financed. 5/XX/2000
96400725 2517101 6568 XXX Refinance Cash-out - Other Primary 5/XX/1997 IN $XXX Loan Review Complete 03/14/2017 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400725 2517105 3934 XXX Refinance Cash-out - Other Primary 5/XX/1997 IN $XXX Loan Review Complete 03/14/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400728 2509707 7027 XXX Refinance Cash-out - Other Primary 2/XX/2000 WV $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 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.
96400728 2509708 2641 XXX Refinance Cash-out - Other Primary 2/XX/2000 WV $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 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. Per itemization, $50 Courier fees were not included in the prepaid finance charges 2/XX/2003
96400730 2513544 685 XXX Purchase Primary 12/XX/2000 NY $XXX Loan Review Complete 03/15/2017 Compliance State Compliance Compliance open 2 Note Error: Note late charge percentage exceeds maximum per state Late fee charge not allowed per state (NY) – max late fee charge for NY loan is 2% – note states the greater of 5%.
96400730 2513545 3934 XXX Purchase Primary 12/XX/2000 NY $XXX Loan Review Complete 03/15/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400730 2513569 7027 XXX Purchase Primary 12/XX/2000 NY $XXX Loan Review Complete 03/15/2017 Compliance Federal Compliance Compliance open 2 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.
96400730 2530840 5780 XXX Purchase Primary 12/XX/2000 NY $XXX Loan Review Complete 03/15/2017 Compliance Miscellaneous Compliance Compliance open 2 Initial TIL not provided 12/XX/2001
96400724 2507048 2641 XXX Refinance Cash-out - Other Primary 4/XX/1997 GA $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 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. TIL itemization did not disclose a settlement fee of $250 as a prepaid finance charge. 4/XX/2000
96400724 2516916 2644 XXX Refinance Cash-out - Other Primary 4/XX/1997 GA $XXX Loan Review Complete 03/14/2017 Compliance Federal Compliance Compliance open 2 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. 4/XX/2000
96401065 3530990 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 NY $XXX Loan Review Complete 06/23/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401065 3531077 685 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 NY $XXX Loan Review Complete 06/23/2017 Compliance State Compliance Compliance open 2 Note Error: Note late charge percentage exceeds maximum per state Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%
96401065 3531079 5445 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 NY $XXX Loan Review Complete 06/23/2017 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401065 3531080 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 NY $XXX Loan Review Complete 06/23/2017 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 2/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 9/XX/2004.
96401065 3531081 1270 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 NY $XXX Loan Review Complete 06/23/2017 Compliance Federal Compliance Compliance open 2 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.
96401067 3543543 3934 XXX Purchase Primary 3/XX/2006 MI $XXX Loan Review Complete 06/26/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401067 3543660 7027 XXX Purchase Primary 3/XX/2006 MI $XXX Loan Review Complete 06/26/2017 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 2/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 2/XX/2006.
96400965 3506806 7027 XXX Refinance Rate/Term Primary 11/XX/2007 CT $XXX Loan Review Complete 06/23/2017 Compliance Federal Compliance Compliance open 2 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 5/XX/2007.
96401064 3524255 5445 XXX Refinance Cash-out - Other Primary 2/XX/2010 SC $XXX Loan Review Complete 06/25/2017 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401064 3524257 2336 XXX Refinance Cash-out - Other Primary 2/XX/2010 SC $XXX Loan Review Complete 06/25/2017 Compliance State Compliance Compliance open 2 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/XX/2016
96401064 3524258 3353 XXX Refinance Cash-out - Other Primary 2/XX/2010 SC $XXX Loan Review Complete 06/25/2017 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 2/XX/2011
96401064 3524259 3365 XXX Refinance Cash-out - Other Primary 2/XX/2010 SC $XXX Loan Review Complete 06/25/2017 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 2/XX/2013
96400360 4352304 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 SC $XXX Loan Review Complete 09/26/2017 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 10/XX/2004.
96400360 4352305 5662 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 SC $XXX Loan Review Complete 09/26/2017 Compliance State Compliance Compliance open 2 South Carolina CHL Complaint Agency Disclosure Timing Test Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 11/XX/2010
96400360 4352306 6301 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 SC $XXX Loan Review Complete 09/26/2017 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 11/XX/2005
96400360 4352307 6302 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 SC $XXX Loan Review Complete 09/26/2017 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2005
96400360 4352308 2641 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 SC $XXX Loan Review Complete 09/26/2017 Compliance Federal Compliance Compliance open 2 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. TIL itemization did not disclose a courier fee of $35 as a prepaid finance charge. 11/XX/2007
96400361 4356262 21706 XXX Purchase Primary 3/XX/2004 NY $XXX Loan Review Complete 09/26/2017 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%
96400361 4356291 21439 XXX Purchase Primary 3/XX/2004 NY $XXX Loan Review Complete 09/26/2017 Insurance Insurance Documentation Credit open 3 Mortgage Insurance Certificate is missing. Disclosure: FHA - Mortgage Insurance Certificate (Government Documents)
96400361 4356292 21440 XXX Purchase Primary 3/XX/2004 NY $XXX Loan Review Complete 09/26/2017 Loan Package Documentation Government Documentation Credit open 3 Lead Based Paint Attachment - Attached to Purchase Contract is missing. Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents)
96400362 4358334 7027 XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Loan Review Complete 09/26/2017 Compliance Federal Compliance Compliance open 2 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 12/XX/2005.
96400364 4488294 3934 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NY $XXX Loan Review Complete 10/10/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400364 4488307 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NY $XXX Loan Review Complete 10/10/2017 Compliance Federal Compliance Compliance open 2 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.
96400364 4488308 21706 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NY $XXX Loan Review Complete 10/10/2017 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%
96400837 4489922 5791 XXX Purchase Primary 4/XX/2005 OH $XXX Loan Review Complete 10/10/2017 Compliance Federal Compliance Compliance open 2 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.
96400837 4489924 6302 XXX Purchase Primary 4/XX/2005 OH $XXX Loan Review Complete 10/10/2017 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2006
96400839 4491121 22064 XXX Refinance Cash-out - Other Primary 5/XX/2007 NC $XXX Loan Review Complete 10/11/2017 Compliance State Compliance Compliance open 2 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Maximum allowed late charge for the state of North Carolina is 4% of the overdue payment, subject loan has the late charge of 5% of the overdue payment.
96400839 4528615 20643 XXX Refinance Cash-out - Other Primary 5/XX/2007 NC $XXX Loan Review Complete 10/11/2017 Compliance Federal Compliance Compliance cleared 10/16/2017 1 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. Missing a complete copy of the final HUD-1, only page 1 provided. Reviewer Comment (2017-10-16): 10/XX/2017: Received a copy of the final HUD-1, clearing the exception.
96400839 4528616 7027 XXX Refinance Cash-out - Other Primary 5/XX/2007 NC $XXX Loan Review Complete 10/11/2017 Compliance Federal Compliance Compliance open 2 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.
96400734 4493948 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 NJ $XXX Loan Review Complete 10/10/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400734 4493988 2642 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 NJ $XXX Loan Review Complete 10/10/2017 Compliance Federal Compliance Compliance open 2 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. 5/XX/2010
96400734 4493989 5010 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 NJ $XXX Loan Review Complete 10/10/2017 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 5/XX/2010
96400735 4494533 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 GA $XXX Loan Review Complete 10/10/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400735 4494555 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 GA $XXX Loan Review Complete 10/10/2017 Compliance Federal Compliance Compliance open 2 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 12/XX/2006.
96400735 4494559 5010 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 GA $XXX Loan Review Complete 10/10/2017 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 6/XX/2010
96401088 4494875 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 GA $XXX Loan Review Complete 10/10/2017 Compliance Federal Compliance Compliance open 2 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.
96400062 4497792 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 GA $XXX Loan Review Complete 10/10/2017 Compliance Federal Compliance Compliance open 2 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.
96401090 4745038 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401090 4775946 20700 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Legal / Regulatory / Compliance Anti-Predatory Violation Compliance cleared 11/26/2017 1 Federal HOEPA Ability to Repay Reliable Documentation Truth in Lending Act (HOEPA): Borrower’s ability to repay not verified with reliable documentation. Reviewer Comment (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue
96401090 4775947 1082 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Legal / Regulatory / Compliance Anti-Predatory Violation Compliance cleared 11/26/2017 1 (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 Comment (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue
96401090 4775948 1083 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Legal / Regulatory / Compliance Anti-Predatory Violation Compliance cleared 11/26/2017 1 (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 Comment (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue
96401090 4775949 1092 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Legal / Regulatory / Compliance Anti-Predatory Violation Compliance cleared 11/26/2017 1 (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 Comment (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue
96401090 4775950 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Compliance Federal Compliance Compliance cleared 11/26/2017 1 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 Comment (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue
96401090 4775951 1270 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Compliance Federal Compliance Compliance cleared 11/26/2017 1 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 Comment (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue
96401090 4775952 5860 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Compliance State Compliance Compliance cleared 11/26/2017 1 (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 Comment (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue
96401090 4775953 5662 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Compliance State Compliance Compliance cleared 11/26/2017 1 South Carolina CHL Complaint Agency Disclosure Timing Test Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 8/XX/2013 Reviewer Comment (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue
96401090 4775954 20721 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Compliance State Compliance Compliance cleared 11/26/2017 1 (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 Comment (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue
96401090 4775955 2359 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Compliance State Compliance Compliance cleared 11/26/2017 1 (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 Comment (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue
96401090 4775956 2363 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Compliance State Compliance Compliance cleared 11/26/2017 1 (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 Comment (2017-11-26): 8-XX-2007 Application date used based on GFE, Initial Disclosures and FACTA in file - clearing issue
96401090 4775957 2641 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/14/2017 Compliance Federal Compliance Compliance open 2 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. TIL itemization did not disclose an attorney fee of $150 as prepaid finance charge. 8/XX/2010
96401090 4933421 2802 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 SC $XXX Loan Review Complete 11/26/2017 Loan Package Documentation Application / Processing Compliance open 2 Missing Document: Missing Lender's Initial 1003
96401091 4745573 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 11/10/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401091 4745626 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 11/10/2017 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 09/XX/2005.
96401091 4745627 1270 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 11/10/2017 Compliance Federal Compliance Compliance open 2 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.
96401092 4746440 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 GA $XXX Loan Review Complete 11/08/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401092 4762281 5780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 GA $XXX Loan Review Complete 11/08/2017 Compliance Miscellaneous Compliance Compliance open 2 Initial TIL not provided 8/XX/2006
96401093 4746921 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 KY $XXX Loan Review Complete 11/13/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401093 4747006 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 KY $XXX Loan Review Complete 11/13/2017 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 07/XX/2003.
96401093 4747007 1270 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 KY $XXX Loan Review Complete 11/13/2017 Compliance Federal Compliance Compliance open 2 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.
96401093 4747009 6305 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 KY $XXX Loan Review Complete 11/13/2017 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 1/XX/2005
96401093 4787546 6306 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 KY $XXX Loan Review Complete 11/13/2017 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 1/XX/2005
96401093 4787547 2641 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 KY $XXX Loan Review Complete 11/13/2017 Compliance Federal Compliance Compliance open 2 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 $429.71. 1/XX/2007
96401094 4747196 6568 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NY $XXX Loan Review Complete 11/13/2017 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401095 4747892 2798 XXX Refinance Cash-out - Other Primary 8/XX/2006 GA $XXX Loan Review Complete 11/13/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401095 4747999 7027 XXX Refinance Cash-out - Other Primary 8/XX/2006 GA $XXX Loan Review Complete 11/13/2017 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 02/XX/2006.
96400065 4739706 2798 XXX Refinance Rate/Term Primary 12/XX/2005 NC $XXX Loan Review Complete 11/07/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400065 4754256 7027 XXX Refinance Rate/Term Primary 12/XX/2005 NC $XXX Loan Review Complete 11/07/2017 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2005.
96400065 4754257 1270 XXX Refinance Rate/Term Primary 12/XX/2005 NC $XXX Loan Review Complete 11/07/2017 Compliance Federal Compliance Compliance open 2 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.
96400066 4741325 5791 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 FL $XXX Loan Review Complete 11/07/2017 Compliance Federal Compliance Compliance open 2 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.
96400066 4757719 2641 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 FL $XXX Loan Review Complete 11/07/2017 Compliance Federal Compliance Compliance open 2 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. 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. 11/XX/2010
96400067 4741685 3934 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MD $XXX Loan Review Complete 11/14/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400067 4741763 1159 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MD $XXX Loan Review Complete 11/14/2017 Compliance Federal Compliance Compliance open 2 FNMA Points and Fees  FNMA Points and Fees on subject loan of 6.03222% 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%).
96400067 4741765 6301 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MD $XXX Loan Review Complete 11/14/2017 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 10/XX/2007
96400067 4741766 6302 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MD $XXX Loan Review Complete 11/14/2017 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2007
96400069 4743552 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MO $XXX Loan Review Complete 11/10/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400069 4743646 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MO $XXX Loan Review Complete 11/10/2017 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 02/XX/2006.
96400069 4743649 5010 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MO $XXX Loan Review Complete 11/10/2017 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. TIL estimates are the result of lender disclosing based on reduced rate awards. 8/XX/2009
96400046 5071603 5445 XXX Purchase Primary 5/XX/2005 PA $XXX Loan Review Complete 12/12/2017 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400046 5071604 6301 XXX Purchase Primary 5/XX/2005 PA $XXX Loan Review Complete 12/12/2017 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 5/XX/2006
96400046 5071605 6302 XXX Purchase Primary 5/XX/2005 PA $XXX Loan Review Complete 12/12/2017 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2006
96400030 5068073 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 IN $XXX Loan Review Complete 12/12/2017 Compliance Federal Compliance Compliance open 2 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.
96400030 5068074 6305 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 IN $XXX Loan Review Complete 12/12/2017 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 6/XX/2006
96400030 5068076 6302 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 IN $XXX Loan Review Complete 12/12/2017 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2006
96400075 5073487 2798 XXX Refinance Cash-out - Other Primary 1/XX/2003 ME $XXX Loan Review Complete 12/13/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400075 5080512 4211 XXX Refinance Cash-out - Other Primary 1/XX/2003 ME $XXX Loan Review Complete 12/13/2017 Loan Package Documentation Closing / Title Credit open 3 Title: Evidence of title is missing
96400075 5080636 1159 XXX Refinance Cash-out - Other Primary 1/XX/2003 ME $XXX Loan Review Complete 12/13/2017 Compliance Federal Compliance Compliance open 2 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%).
96400075 5080638 6576 XXX Refinance Cash-out - Other Primary 1/XX/2003 ME $XXX Loan Review Complete 12/13/2017 Compliance Federal Compliance Compliance cleared 12/29/2017 1 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 Comment (2017-12-29): Received final HUD clearing issue
96400075 5080641 2645 XXX Refinance Cash-out - Other Primary 1/XX/2003 ME $XXX Loan Review Complete 12/13/2017 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2006
96400075 5104142 3366 XXX Refinance Cash-out - Other Primary 1/XX/2003 ME $XXX Loan Review Complete 12/13/2017 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2006
96400160 5076875 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 PA $XXX Loan Review Complete 12/13/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400160 5076989 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 PA $XXX Loan Review Complete 12/13/2017 Compliance Federal Compliance Compliance open 2 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.
96400160 5076990 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 PA $XXX Loan Review Complete 12/13/2017 Compliance Federal Compliance Compliance open 2 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. 9/XX/2009
96400160 5076991 5010 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 PA $XXX Loan Review Complete 12/13/2017 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 9/XX/2009
96400980 5064025 5445 XXX Purchase Second Home 9/XX/2006 TX $XXX Loan Review Complete 12/13/2017 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400980 5064026 7027 XXX Purchase Second Home 9/XX/2006 TX $XXX Loan Review Complete 12/13/2017 Compliance Federal Compliance Compliance open 2 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.
96400980 5064027 1270 XXX Purchase Second Home 9/XX/2006 TX $XXX Loan Review Complete 12/13/2017 Compliance Federal Compliance Compliance open 2 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.
96400980 5064030 2641 XXX Purchase Second Home 9/XX/2006 TX $XXX Loan Review Complete 12/13/2017 Compliance Federal Compliance Compliance open 2 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 $2,229.26. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed.
96400296 5299874 613 XXX Refinance Rate/Term Primary 11/XX/2007 IL $XXX Loan Review Complete 01/14/2018 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 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” 11/XX/2010
96400296 5299920 5445 XXX Refinance Rate/Term Primary 11/XX/2007 IL $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400296 5299921 1270 XXX Refinance Rate/Term Primary 11/XX/2007 IL $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 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.
96400296 5299923 2642 XXX Refinance Rate/Term Primary 11/XX/2007 IL $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 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. 11/XX/2010
96400296 5299924 2647 XXX Refinance Rate/Term Primary 11/XX/2007 IL $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 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). 11/XX/2010
96400491 5287015 7027 XXX Refinance Rate/Term Primary 7/XX/2007 NY $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 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 06/XX/2007.
96400491 5287016 1268 XXX Refinance Rate/Term Primary 7/XX/2007 NY $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400491 5287017 1270 XXX Refinance Rate/Term Primary 7/XX/2007 NY $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 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.
96400490 5286399 5445 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 FL $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400490 5286400 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 FL $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 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 04/XX/2005.
96400492 5298050 6305 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 8/XX/2008
96400492 5298051 6306 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96400287 5299084 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 CA $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 02/XX/2004.
96400287 5299085 6305 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 CA $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 8/XX/2005
96400287 5299087 2641 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 CA $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 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 $2,010.31. Unable to determine reason for under disclosure due to missing itemization of amount financed. 8/XX/2007
96400287 5303436 6306 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 CA $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 8/XX/2005
96400984 5312436 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 PA $XXX Loan Review Complete 01/16/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400984 5312491 2641 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 PA $XXX Loan Review Complete 01/16/2018 Compliance Federal Compliance Compliance open 2 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 $70.22. Unable to determine reason for under disclosure due to missing TIL Itemization of amount financed. 9/XX/2009
96400985 5312785 2336 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 SC $XXX Loan Review Complete 01/16/2018 Compliance State Compliance Compliance open 2 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. 7/XX/2013
96400985 5319878 2641 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 SC $XXX Loan Review Complete 01/16/2018 Compliance Federal Compliance Compliance open 2 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. The TIL itemization did not disclose the mobile home fee of $125 as a prepaid finance charge. 7/XX/2010
96400987 5313060 7027 XXX Purchase Primary 12/XX/2006 FL $XXX Loan Review Complete 01/16/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2006.
96400987 5313061 3934 XXX Purchase Primary 12/XX/2006 FL $XXX Loan Review Complete 01/16/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400293 5309912 6305 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 4/XX/2007
96400293 5309913 6306 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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. 4/XX/2007
96400294 5309539 7027 XXX Purchase Primary 12/XX/2005 CA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 11/XX/2005.
96400294 5309540 1270 XXX Purchase Primary 12/XX/2005 CA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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.
96400295 5310022 3934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 01/15/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400295 5310233 1159 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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%).
96400295 5315962 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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.
96400297 5289731 611 XXX Refinance Rate/Term Primary 6/XX/2007 IN $XXX Loan Review Complete 01/14/2018 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 6/XX/2010
96400297 5289744 1268 XXX Refinance Rate/Term Primary 6/XX/2007 IN $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400297 5289746 22050 XXX Refinance Rate/Term Primary 6/XX/2007 IN $XXX Loan Review Complete 01/14/2018 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 6/XX/2010
96400983 5312159 5445 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 01/16/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400983 5312161 6579 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 01/16/2018 Compliance Federal Compliance Compliance open 3 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.
96400983 5312162 1268 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 01/16/2018 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400983 5312165 2645 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 01/16/2018 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2009
96400983 5312167 3366 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 01/16/2018 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2009
96400983 5319434 6306 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 01/16/2018 Compliance Federal Compliance Compliance open 2 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. 8/XX/2007
96400281 5306991 6305 XXX Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 5/XX/2008
96400281 5306992 6306 XXX Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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. 5/XX/2008
96400282 5307115 1268 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400282 5307117 6299 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. 7/XX/2007
96400282 5307119 6302 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2007
96400282 5307120 22137 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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
96400282 5312077 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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.
96400282 5312078 1270 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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.
96400282 5312079 6305 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 7/XX/2007
96400283 5306389 6579 XXX Refinance Cash-out - Other Primary 6/XX/2007 CO $XXX Loan Review Complete 01/16/2018 Compliance Federal Compliance Compliance cleared 01/23/2018 1 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 Comment (2018-01-23): Cleared by Estimated HUD provided
96400283 5306390 7028 XXX Refinance Cash-out - Other Primary 6/XX/2007 CO $XXX Loan Review Complete 01/16/2018 Compliance Federal Compliance Compliance cleared 01/23/2018 1 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 Comment (2018-01-23): Cleared by Estimated HUD provided
96400283 5306391 1469 XXX Refinance Cash-out - Other Primary 6/XX/2007 CO $XXX Loan Review Complete 01/16/2018 Compliance State Compliance Compliance open 2 Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. 6/XX/2008
96400283 5383173 6577 XXX Refinance Cash-out - Other Primary 6/XX/2007 CO $XXX Loan Review Complete 01/23/2018 Compliance Federal Compliance Compliance open 3 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.
96400283 5383174 7027 XXX Refinance Cash-out - Other Primary 6/XX/2007 CO $XXX Loan Review Complete 01/23/2018 Compliance Federal Compliance Compliance open 2 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.
96400283 5383175 2641 XXX Refinance Cash-out - Other Primary 6/XX/2007 CO $XXX Loan Review Complete 01/23/2018 Compliance Federal Compliance Compliance open 2 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. 6/XX/2010
96400284 5306034 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 01/15/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400284 5306662 5445 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400284 5306663 1159 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 FNMA Points and Fees  FNMA Points and Fees on subject loan of 5.51111% 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%).
96400284 5306664 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.
96400284 5306665 6305 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 3/XX/2008
96400284 5306666 6306 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 3/XX/2008
96400285 5306761 1159 XXX Refinance Cash-out - Other Primary 10/XX/2003 IN $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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%).
96400285 5306762 7027 XXX Refinance Cash-out - Other Primary 10/XX/2003 IN $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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.
96400285 5306764 6302 XXX Refinance Cash-out - Other Primary 10/XX/2003 IN $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2004
96400285 5306766 3365 XXX Refinance Cash-out - Other Primary 10/XX/2003 IN $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 10/XX/2006
96400285 5306795 3934 XXX Refinance Cash-out - Other Primary 10/XX/2003 IN $XXX Loan Review Complete 01/15/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400285 5306797 4967 XXX Refinance Cash-out - Other Primary 10/XX/2003 IN $XXX Loan Review Complete 01/15/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400285 5306798 6555 XXX Refinance Cash-out - Other Primary 10/XX/2003 IN $XXX Loan Review Complete 01/15/2018 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400286 5306876 6305 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 8/XX/2006
96400286 5306877 6302 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2006
96400286 5306933 3934 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 01/15/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400288 5306920 5445 XXX Purchase Primary 6/XX/2005 IN $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400288 5306922 6305 XXX Purchase Primary 6/XX/2005 IN $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 6/XX/2006
96400288 5313214 1270 XXX Purchase Primary 6/XX/2005 IN $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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.
96400288 5313215 6306 XXX Purchase Primary 6/XX/2005 IN $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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. 6/XX/2006
96400289 5307555 2641 XXX Refinance Rate/Term Primary 4/XX/2007 NE $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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 $134.55. Unable to determine under disclosure due to missing itemization of amount financed. 4/XX/2010
96400289 5313242 7027 XXX Refinance Rate/Term Primary 4/XX/2007 NE $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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 03/XX/2007.
96400291 5307698 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 VA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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.
96400291 5307703 2641 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 VA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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 $152.04. TIL Itemization did not disclose the closing fee of $300 as prepaid finance charges. 10/XX/2010
96400292 5309855 7027 XXX Purchase Primary 12/XX/2007 MA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2007.
96400292 5309856 2641 XXX Purchase Primary 12/XX/2007 MA $XXX Loan Review Complete 01/15/2018 Compliance Federal Compliance Compliance open 2 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 $664.72. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. 12/XX/2008
96400744 5822589 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 GA $XXX Loan Review Complete 03/11/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400744 5822718 22050 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 GA $XXX Loan Review Complete 03/11/2018 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2007
96400744 5822722 5010 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 GA $XXX Loan Review Complete 03/11/2018 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 7/XX/2007
96400744 5822745 611 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 GA $XXX Loan Review Complete 03/11/2018 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 7/XX/2007
96400744 5822748 613 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 GA $XXX Loan Review Complete 03/11/2018 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 7/XX/2007
96400744 5833218 1661 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 GA $XXX Loan Review Complete 03/11/2018 Compliance State Compliance Compliance open 2 Georgia Home Loan (Arbitration Clause) Georgia Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause. 8/XX/2009
96400174 5854957 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 VA $XXX Loan Review Complete 03/13/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400174 5854978 6568 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 VA $XXX Loan Review Complete 03/13/2018 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400174 5855024 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 VA $XXX Loan Review Complete 03/13/2018 Compliance Federal Compliance Compliance open 2 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.
96400174 5855025 5010 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 VA $XXX Loan Review Complete 03/13/2018 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 9/XX/2009
96400042 6239135 3057 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 WI $XXX Loan Review Complete 04/23/2018 Compliance State Compliance Compliance open 2 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements PPP Expired. Prepayment charge not allowed per state {WI) - max prepayment charge for WI Fixed rate loan is 60 days interest- note states 6 months int.. Lender is XXX.


Prepayment charge not allowed per state (WI) - max prepayment charge for WI 1st lien loan is 60 days interest - note states 6 months (180 days).
96400042 6257864 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 WI $XXX Loan Review Complete 04/23/2018 Compliance Federal Compliance Compliance open 2 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.
96400489 6247735 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 DE $XXX Loan Review Complete 04/23/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400489 6247768 4967 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 DE $XXX Loan Review Complete 04/23/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400489 6247769 6568 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 DE $XXX Loan Review Complete 04/23/2018 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400489 6247770 3934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 DE $XXX Loan Review Complete 04/23/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400489 6247772 6579 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 DE $XXX Loan Review Complete 04/23/2018 Compliance Federal Compliance Compliance open 3 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.
96400489 6247773 7028 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 DE $XXX Loan Review Complete 04/23/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 05/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
96400489 6247774 2645 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 DE $XXX Loan Review Complete 04/23/2018 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 11/XX/2009
96400489 6247775 3366 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 DE $XXX Loan Review Complete 04/23/2018 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 11/XX/2009
96401151 7649910 5791 XXX Purchase Primary 8/XX/2006 FL $XXX Loan Review Complete 08/21/2018 Compliance Federal Compliance Compliance open 2 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.
96401151 7672064 7027 XXX Purchase Primary 8/XX/2006 FL $XXX Loan Review Complete 08/21/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 07/XX/2006.
96401151 7672066 6305 XXX Purchase Primary 8/XX/2006 FL $XXX Loan Review Complete 08/21/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 8/XX/2007
96401151 7672067 6306 XXX Purchase Primary 8/XX/2006 FL $XXX Loan Review Complete 08/21/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 8/XX/2007
96401196 7648947 2864 XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 08/20/2018 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401196 7649153 6305 XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 7/XX/2007
96401196 7649154 6302 XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2007
96401196 7671452 6419 XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.65100% is underdisclosed from calculated APR of 7.92192% outside of 0.125% tolerance. 7/XX/2007
96401196 7671453 2641 XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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 $32,283.23. Closing instructions indicate the Index used was 3.66%. The lowest Index available within the look-back period is
3.97%.		 7/XX/2007
96401206 7664130 6302 XXX Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2008
96401206 7689496 7027 XXX Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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.
96401206 7689497 6305 XXX Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 10/XX/2008
96401206 7689498 2641 XXX Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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. 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%. 10/XX/2010
96401134 7680376 5445 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401134 7698643 7027 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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 02/XX/2008.
96401134 7698644 6305 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 4/XX/2009
96401134 7698645 6306 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 4/XX/2009
96401134 7698695 6568 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 08/20/2018 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401136 7661575 2798 XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 08/20/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401136 7661770 2922 XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 08/20/2018 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401136 7662854 6302 XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2006
96401136 7662863 2647 XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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). 11/XX/2008
96401136 7663026 6568 XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 08/20/2018 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401136 7685948 7027 XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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.
96401136 7685949 2641 XXX Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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. Closing instructions indicate the Index used was 2.78%. The lowest Index available within the look-back period is
2.89%.		 11/XX/2008
96401194 7676233 7027 XXX Refinance Rate/Term Primary 5/XX/2007 FL $XXX Loan Review Complete 08/27/2018 Compliance Federal Compliance Compliance open 2 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 04/XX/2007.
96401194 7676234 23495 XXX Refinance Rate/Term Primary 5/XX/2007 FL $XXX Loan Review Complete 08/27/2018 Compliance Federal Compliance Compliance open 2 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. 5/XX/2008
96401194 7676235 6302 XXX Refinance Rate/Term Primary 5/XX/2007 FL $XXX Loan Review Complete 08/27/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2008
96401194 7676237 2647 XXX Refinance Rate/Term Primary 5/XX/2007 FL $XXX Loan Review Complete 08/27/2018 Compliance Federal Compliance Compliance open 2 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). 5/XX/2010
96401205 7640155 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 08/20/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401205 7642754 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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.
96401205 7643461 1270 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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.
96401205 7643462 6302 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2006
96401205 7644176 6419 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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. Closing instructions indicate the Index used was 1.8360 %. The closest Index available in our look-back period is 2.1633% 6/XX/2008
96401205 7644177 2641 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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. Closing instructions indicate the Index used was 1.8360 %. The closest Index available in our look-back period is 2.1633% 6/XX/2008
96401205 7668935 6568 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 08/20/2018 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401189 7675690 6305 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 5/XX/2007
96401189 7675692 6302 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2007
96401189 7690514 2641 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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 $9,018.91. Closing instructions indicate the Index used was 3.56%. The closest Index available in our look-back period is 3.79%. 5/XX/2009
96400549 7678508 1268 XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400549 7678509 2641 XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 08/20/2018 Compliance Federal Compliance Compliance open 2 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. Under-disclosure appears to be due to ARM index. Lowest index within look back period is 4.9%. 6/XX/2010
96400549 7694998 4924 XXX Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 08/20/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400182 7660423 2798 XXX Purchase Primary 6/XX/2000 TX $XXX Loan Review Complete 08/19/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400182 7660489 2641 XXX Purchase Primary 6/XX/2000 TX $XXX Loan Review Complete 08/19/2018 Compliance Federal Compliance Compliance open 2 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 $167.11. Unable to determine under disclosure due to missing itemization of amount financed. 6/XX/2001
96400182 7689569 7027 XXX Purchase Primary 6/XX/2000 TX $XXX Loan Review Complete 08/19/2018 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/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 05/XX/2000.
96400760 7878881 4967 XXX Refinance Rate/Term Primary 4/XX/2009 TX $XXX Loan Review Complete 08/30/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400760 7878892 23933 XXX Refinance Rate/Term Primary 4/XX/2009 TX $XXX Loan Review Complete 08/30/2018 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400760 7878912 1153 XXX Refinance Rate/Term Primary 4/XX/2009 TX $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 (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.
96400760 7878915 1270 XXX Refinance Rate/Term Primary 4/XX/2009 TX $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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.
96400760 7878916 2642 XXX Refinance Rate/Term Primary 4/XX/2009 TX $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. 4/XX/2012
96400722 7878124 3934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 LA $XXX Loan Review Complete 08/30/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400722 7878130 1159 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 LA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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%).
96400722 7878131 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 LA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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.
96400892 7839776 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400892 7841027 611 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 4/XX/2008
96400892 7841051 613 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 4/XX/2008
96400892 7841141 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 10/XX/2004.
96400892 7841142 22050 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2008
96400892 7841143 2642 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. 4/XX/2008
96400763 7879468 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 AL $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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.
96400763 7879469 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 AL $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. 10/XX/2010
96400423 7862270 2798 XXX Refinance Cash-out - Other Primary 9/XX/2004 PA $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400423 7868702 3934 XXX Refinance Cash-out - Other Primary 9/XX/2004 PA $XXX Loan Review Complete 08/30/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400423 7868812 4967 XXX Refinance Cash-out - Other Primary 9/XX/2004 PA $XXX Loan Review Complete 08/30/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400423 7869587 7027 XXX Refinance Cash-out - Other Primary 9/XX/2004 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 03/XX/2004.
96400423 7869589 2641 XXX Refinance Cash-out - Other Primary 9/XX/2004 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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 $313.70. Unable to determine due to missing itemization of amount financed 9/XX/2007
96400896 7844987 2798 XXX Refinance Cash-out - Other Primary 5/XX/2006 DE $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400896 7845673 1159 XXX Refinance Cash-out - Other Primary 5/XX/2006 DE $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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%).
96400896 7845675 7027 XXX Refinance Cash-out - Other Primary 5/XX/2006 DE $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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.
96400896 7845676 2642 XXX Refinance Cash-out - Other Primary 5/XX/2006 DE $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. 5/XX/2009
96400896 7845677 5010 XXX Refinance Cash-out - Other Primary 5/XX/2006 DE $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 5/XX/2009
96400417 7862758 7027 XXX Purchase Primary 1/XX/2004 NY $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 07/XX/2003.
96400909 7853685 2798 XXX Refinance Rate/Term Primary 7/XX/2004 IL $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400909 7853870 613 XXX Refinance Rate/Term Primary 7/XX/2004 IL $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 7/XX/2007
96400909 7874000 22050 XXX Refinance Rate/Term Primary 7/XX/2004 IL $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2007
96400909 7874001 2642 XXX Refinance Rate/Term Primary 7/XX/2004 IL $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. 7/XX/2007
96400425 7865881 2798 XXX Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400425 7866011 611 XXX Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 2/XX/2008
96400425 7866022 613 XXX Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 2/XX/2008
96400425 7866041 5445 XXX Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400425 7866042 1159 XXX Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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%).
96400425 7866044 7027 XXX Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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.
96400425 7866047 22050 XXX Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 2/XX/2008
96400425 7866048 2642 XXX Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. 2/XX/2008
96400425 7879360 22051 XXX Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance State Compliance Compliance open 2 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state.
96400914 7859336 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MI $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400914 7859665 1159 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MI $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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%).
96400914 7859666 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MI $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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.
96400914 7859667 1974 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MI $XXX Loan Review Complete 08/30/2018 Compliance State Compliance Compliance open 2 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.
96400914 7859668 1977 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MI $XXX Loan Review Complete 08/30/2018 Compliance State Compliance Compliance open 2 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.
96400914 7859669 6590 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MI $XXX Loan Review Complete 08/30/2018 Compliance State Compliance Compliance open 2 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.
96400914 7859670 5010 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MI $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 5/XX/2010
96400716 7863183 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 VA $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400716 7880000 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 VA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2008.
96400894 7842381 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CO $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400894 7843482 6568 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CO $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400894 7846871 22050 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CO $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 10/XX/2008
96400894 7846872 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CO $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. 10/XX/2008
96400894 7846873 3366 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CO $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 10/XX/2008
96400890 7839306 2798 XXX Refinance Cash-out - Other Primary 11/XX/2002 AZ $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400890 7840074 7027 XXX Refinance Cash-out - Other Primary 11/XX/2002 AZ $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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.
96400890 7840076 2642 XXX Refinance Cash-out - Other Primary 11/XX/2002 AZ $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. 11/XX/2005
96400890 7840077 5010 XXX Refinance Cash-out - Other Primary 11/XX/2002 AZ $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 11/XX/2005
96400890 7840187 4967 XXX Refinance Cash-out - Other Primary 11/XX/2002 AZ $XXX Loan Review Complete 08/30/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400422 7871451 5445 XXX Refinance Rate/Term Primary 11/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400422 7871452 1159 XXX Refinance Rate/Term Primary 11/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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%).
96400422 7871453 7027 XXX Refinance Rate/Term Primary 11/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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.
96400422 7871454 1270 XXX Refinance Rate/Term Primary 11/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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.
96400422 7871455 6305 XXX Refinance Rate/Term Primary 11/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 11/XX/2006
96400422 7871456 6302 XXX Refinance Rate/Term Primary 11/XX/2005 PA $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2006
96400766 7881889 7027 XXX Refinance Rate/Term Primary 1/XX/2006 SC $XXX Loan Review Complete 08/31/2018 Compliance Federal Compliance Compliance open 2 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.
96400766 7887002 2336 XXX Refinance Rate/Term Primary 1/XX/2006 SC $XXX Loan Review Complete 08/31/2018 Compliance State Compliance Compliance open 2 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. 1/XX/2012
96400766 7887003 2343 XXX Refinance Rate/Term Primary 1/XX/2006 SC $XXX Loan Review Complete 08/31/2018 Compliance State Compliance Compliance open 2 South Carolina Home Loan (No Tangible Net Benefit) South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. 1/XX/2012
96400718 7864958 7027 XXX Refinance Cash-out - Other Primary 11/XX/2004 WI $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 05/XX/2004.
96400307 7822448 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NJ $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400307 7822457 2800 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NJ $XXX Loan Review Complete 08/30/2018 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400307 7862712 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NJ $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2006.
96400891 7839390 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 AZ $XXX Loan Review Complete 08/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400891 7839615 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 AZ $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2005.
96400891 7839616 2642 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 AZ $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. 12/XX/2008
96400887 7836246 5445 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MO $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400887 7836248 1270 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MO $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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.
96400887 7836249 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MO $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. 8/XX/2009
96400720 7870354 3934 XXX Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 08/30/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400720 7870396 5445 XXX Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400720 7870401 6576 XXX Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 3 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.
96400720 7870402 24490 XXX Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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.
96400720 7870407 2642 XXX Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 08/30/2018 Compliance Federal Compliance Compliance open 2 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. 8/XX/2010
96400946 9153157 7027 XXX Refinance Cash-out - Other Investment 3/XX/2006 NY $XXX Loan Review Complete 11/20/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 03/XX/2006.
96400769 9171127 21706 XXX Refinance Cash-out - Other Primary 3/XX/2010 NY $XXX Loan Review Complete 11/25/2018 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state
96400767 9173303 7027 XXX Purchase Primary 10/XX/1999 SC $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 07/XX/1999.
96400767 9173306 710 XXX Purchase Primary 10/XX/1999 SC $XXX Loan Review Complete 11/25/2018 Compliance State Compliance Compliance open 2 Note Error: Note late charge percentage exceeds maximum per state 10% late charge exceeds 5% max per state (SC).
96400768 9171841 5445 XXX Refinance Rate/Term Primary 9/XX/2008 IN $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400768 9171842 2645 XXX Refinance Rate/Term Primary 9/XX/2008 IN $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 9/XX/2011
96400768 9171843 3366 XXX Refinance Rate/Term Primary 9/XX/2008 IN $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 9/XX/2011
96400770 9161546 2798 XXX Refinance UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 11/25/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400770 9162256 3934 XXX Refinance UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 11/25/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400770 9162278 4967 XXX Refinance UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 11/25/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400770 9162338 5445 XXX Refinance UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400770 9162339 6579 XXX Refinance UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 3 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.
96400770 9162340 7028 XXX Refinance UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 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.
96400770 9162341 2645 XXX Refinance UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 6/XX/2009
96400770 9162342 3366 XXX Refinance UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2009
96400771 9204783 5445 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 VA $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400771 9204784 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 VA $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 02/XX/2008.
96400771 9204785 1270 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 VA $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 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.
96400771 9204786 2489 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 VA $XXX Loan Review Complete 11/25/2018 Compliance State Compliance Compliance open 2 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.
96400772 9178697 5008 XXX Purchase Primary 6/XX/2007 IN $XXX Loan Review Complete 11/25/2018 Insurance Insurance Eligibility Compliance open 2 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
96400772 9180862 3934 XXX Purchase Primary 6/XX/2007 IN $XXX Loan Review Complete 11/25/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400772 9181526 22724 XXX Purchase Primary 6/XX/2007 IN $XXX Loan Review Complete 11/25/2018 Loan Package Documentation Government Documentation Credit open 3 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents)
96400772 9181565 22726 XXX Purchase Primary 6/XX/2007 IN $XXX Loan Review Complete 11/25/2018 Loan Package Documentation Government Documentation Credit open 3 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)
96400773 9207660 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 11/25/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400773 9207797 5445 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400773 9207798 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 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 04/XX/2006.
96400773 9207799 2645 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2009
96400773 9207800 3366 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2009
96400940 9177151 2798 XXX Purchase Investment 8/XX/2006 CT $XXX Loan Review Complete 11/25/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400940 9177432 3934 XXX Purchase Investment 8/XX/2006 CT $XXX Loan Review Complete 11/25/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400940 9179575 6579 XXX Purchase Investment 8/XX/2006 CT $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 3 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.
96400940 9179578 7028 XXX Purchase Investment 8/XX/2006 CT $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 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.
96400941 9185169 1159 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 FL $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 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%).
96400941 9185170 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 FL $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 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.
96400944 9180305 2798 XXX Refinance Cash-out - Other Primary 10/XX/2005 TN $XXX Loan Review Complete 11/25/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400944 9181165 3934 XXX Refinance Cash-out - Other Primary 10/XX/2005 TN $XXX Loan Review Complete 11/25/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400944 9181357 4967 XXX Refinance Cash-out - Other Primary 10/XX/2005 TN $XXX Loan Review Complete 11/25/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400944 9182065 6579 XXX Refinance Cash-out - Other Primary 10/XX/2005 TN $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance cleared 12/20/2018 1 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 Comment (2018-12-20): 12.20.2018: Received trailing documentation clearing the exception.
96400944 9182069 7028 XXX Refinance Cash-out - Other Primary 10/XX/2005 TN $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance cleared 12/20/2018 1 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 Comment (2018-12-20): 12.20.2018: Received trailing documentation clearing the exception.
96400944 9182070 2645 XXX Refinance Cash-out - Other Primary 10/XX/2005 TN $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/2008
96400944 9638364 7027 XXX Refinance Cash-out - Other Primary 10/XX/2005 TN $XXX Loan Review Complete 12/20/2018 Compliance Federal Compliance Compliance open 2 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 04/XX/2005.
96400945 9188995 25158 XXX Purchase Primary 7/XX/2013 NJ $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 (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.
96400945 9188998 1271 XXX Purchase Primary 7/XX/2013 NJ $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96400945 9189062 1294 XXX Purchase Primary 7/XX/2013 NJ $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96400945 9189090 6420 XXX Purchase Primary 7/XX/2013 NJ $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 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. 7/XX/2014
96400945 9189190 6444 XXX Purchase Primary 7/XX/2013 NJ $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 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.
96400945 9203345 1277 XXX Purchase Primary 7/XX/2013 NJ $XXX Loan Review Complete 11/25/2018 Compliance Federal Compliance Compliance open 2 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.
96400942 9176030 20596 XXX Purchase Primary 9/XX/2016 TN $XXX Loan Review Complete 11/26/2018 Guideline Guideline Issue Credit open 3 FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required. Borrower's total contribution is XXX% ($XXX). 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.
96400942 9176266 6542 XXX Purchase Primary 9/XX/2016 TN $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) Erroneous Exception. A $5 cure was paid to the borrower. 9/XX/2017
96400942 9177028 23895 XXX Purchase Primary 9/XX/2016 TN $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) The initial CD was dated 01/XX/2016 that was prior to the Loan Estimate. 9/XX/2017
96400942 9177068 6543 XXX Purchase Primary 9/XX/2016 TN $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) A cure was not provided for the amount exceeding the tolerance. 9/XX/2017
96400942 9177099 4826 XXX Purchase Primary 9/XX/2016 TN $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) An amount of $5 was reflected versus the actual amount. 9/XX/2017
96400942 9178456 4408 XXX Purchase Primary 9/XX/2016 TN $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) The Cash to Close field reflected $$2,709.09 versus 3,316.73. 9/XX/2017
96400942 9219281 767 XXX Purchase Primary 9/XX/2016 TN $XXX Loan Review Complete 11/26/2018 Credit Credit Eligibility Credit open 2 Public Record Issue: Credit Report: Original // Public Record Type: Judgments / Balance: XXX Credit shows $XXX judgment. Per AUS all judgments needed to be satisfied; no proof this one was. Setting exception.
96400942 9220745 2924 XXX Purchase Primary 9/XX/2016 TN $XXX Loan Review Complete 11/26/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided
96400943 9190347 22154 XXX Purchase Primary 11/XX/2016 GA $XXX Loan Review Complete 11/26/2018 Insurance Insurance Analysis Credit open 3 The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 11/XX/2016, Transaction Date: 11/XX/2016 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.
96400943 9198229 5177 XXX Purchase Primary 11/XX/2016 GA $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) Closing Disclosure provided on 11/XX/2016 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. 11/XX/2017
96400943 9198232 4826 XXX Purchase Primary 11/XX/2016 GA $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) 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. 11/XX/2017
96400943 9198233 4276 XXX Purchase Primary 11/XX/2016 GA $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. 11/XX/2017
96400943 9198236 6542 XXX Purchase Primary 11/XX/2016 GA $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) 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. 11/XX/2017
96400943 9198237 6542 XXX Purchase Primary 11/XX/2016 GA $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) 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. 11/XX/2017
96400943 9198238 6542 XXX Purchase Primary 11/XX/2016 GA $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) 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. 11/XX/2017
96400943 9224080 6542 XXX Purchase Primary 11/XX/2016 GA $XXX Loan Review Complete 11/26/2018 Compliance Federal Compliance Compliance open 2 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) . 11/XX/2017
96400274 13227603 2924 XXX Refinance Rate/Term Primary 4/XX/2016 GA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided
96400274 13227604 20000 XXX Refinance Rate/Term Primary 4/XX/2016 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TRID Servicing Disclosure Status File does not evidence the consumer was provided with the Servicing Disclosure. A copy of the Servicing Disclosure was not provided. 4/XX/2017
96400274 13227605 6542 XXX Refinance Rate/Term Primary 4/XX/2016 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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) 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. 4/XX/2017
96400274 13227606 6542 XXX Refinance Rate/Term Primary 4/XX/2016 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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) 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. 4/XX/2017
96400274 13227607 6569 XXX Refinance Rate/Term Primary 4/XX/2016 GA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Reconciliation Property open 3 Missing secondary valuation product required for securitization.
96400274 13227608 23698 XXX Refinance Rate/Term Primary 4/XX/2016 GA $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 No evidence of fraud report in file Credit Report: Original // Borrower: XXX
96400274 13227609 4922 XXX Refinance Rate/Term Primary 4/XX/2016 GA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 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
96400274 13227610 4397 XXX Refinance Rate/Term Primary 4/XX/2016 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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) Final disclosure reflects total cash to close in the calculating cash to close section of $-250.00, the summary of transactions reflects $459.66 4/XX/2017
96400274 13227611 4826 XXX Refinance Rate/Term Primary 4/XX/2016 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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) Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing 4/XX/2017
96400109 13227684 23933 XXX Purchase Primary 7/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400109 13227685 6302 XXX Purchase Primary 7/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2005
96400456 13227709 2798 XXX Purchase Primary 12/XX/2004 NC $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400456 13227713 22064 XXX Purchase Primary 12/XX/2004 NC $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NC) - max late charge for NC is 4% - note states 5%.
96400456 13227714 6301 XXX Purchase Primary 12/XX/2004 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 12/XX/2005
96400456 13227715 7027 XXX Purchase Primary 12/XX/2004 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400456 13227716 1270 XXX Purchase Primary 12/XX/2004 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400456 13227717 6306 XXX Purchase Primary 12/XX/2004 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 12/XX/2005
96400311 13227701 2798 XXX Refinance Rate/Term Primary 8/XX/2002 IN $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400311 13227703 3934 XXX Refinance Rate/Term Primary 8/XX/2002 IN $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400311 13227704 6301 XXX Refinance Rate/Term Primary 8/XX/2002 IN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 8/XX/2003
96400311 13227705 6302 XXX Refinance Rate/Term Primary 8/XX/2002 IN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2003
96400311 13227706 2645 XXX Refinance Rate/Term Primary 8/XX/2002 IN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2005
96400311 13227707 2800 XXX Refinance Rate/Term Primary 8/XX/2002 IN $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400443 13227748 2641 XXX Purchase Primary 7/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $1,317.74. Unable to determine the under-disclosure due to missing Itemization of Finance Charges. 7/XX/2005
96400115 13227856 4967 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400115 13227857 2922 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400115 13227858 3934 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400115 13227859 5445 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400115 13227860 2645 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2008
96400115 13227861 3366 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2008
96400115 13227862 2800 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400115 13227863 6577 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400321 13228091 6577 XXX Purchase Primary 6/XX/2003 OR $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400321 13228092 7027 XXX Purchase Primary 6/XX/2003 OR $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400321 13228093 6301 XXX Purchase Primary 6/XX/2003 OR $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 6/XX/2004
96400321 13228094 6302 XXX Purchase Primary 6/XX/2003 OR $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2004
96400321 13228095 2800 XXX Purchase Primary 6/XX/2003 OR $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400458 13228878 3934 XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400458 13228879 7027 XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 06/XX/2004.
96400458 13228880 2645 XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2007
96400458 13228881 3366 XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2007
96400458 13228882 6301 XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 12/XX/2005
96400458 13228883 6302 XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2005
96400458 13228884 2800 XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400458 13228885 2922 XXX Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2004
96400206 13228961 2800 XXX Purchase Primary 6/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400206 13228962 2868 XXX Purchase Primary 6/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Purchase Agreement / Sales Contract not provided
96400206 13228963 7027 XXX Purchase Primary 6/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400206 13228964 6301 XXX Purchase Primary 6/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 6/XX/2006
96400206 13228965 6302 XXX Purchase Primary 6/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2006
96400206 13228966 3366 XXX Purchase Primary 6/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2006
96400206 13228967 3934 XXX Purchase Primary 6/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400113 13228998 2864 XXX Purchase Primary 12/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400113 13229005 7027 XXX Purchase Primary 12/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2005.
96400113 13229008 3366 XXX Purchase Primary 12/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2006
96400113 13229010 3934 XXX Purchase Primary 12/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400113 13229012 5445 XXX Purchase Primary 12/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400324 13229050 2800 XXX Refinance Rate/Term Primary 8/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400324 13229051 1973 XXX Refinance Rate/Term Primary 8/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400324 13229052 6589 XXX Refinance Rate/Term Primary 8/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400324 13229053 6588 XXX Refinance Rate/Term Primary 8/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400324 13229054 6302 XXX Refinance Rate/Term Primary 8/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2004
96400324 13229055 4967 XXX Refinance Rate/Term Primary 8/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400324 13229056 2922 XXX Refinance Rate/Term Primary 8/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400359 13229102 2798 XXX Purchase Primary 5/XX/2005 CO $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400359 13229103 2800 XXX Purchase Primary 5/XX/2005 CO $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400359 13229104 2868 XXX Purchase Primary 5/XX/2005 CO $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Purchase Agreement / Sales Contract not provided
96400359 13229105 4967 XXX Purchase Primary 5/XX/2005 CO $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400359 13229106 2922 XXX Purchase Primary 5/XX/2005 CO $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400359 13229107 3934 XXX Purchase Primary 5/XX/2005 CO $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400359 13229108 7027 XXX Purchase Primary 5/XX/2005 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 11/XX/2004.
96400359 13229109 6301 XXX Purchase Primary 5/XX/2005 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 5/XX/2006
96400359 13229110 6302 XXX Purchase Primary 5/XX/2005 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2006
96400359 13229111 3366 XXX Purchase Primary 5/XX/2005 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2006
96400452 13229144 2798 XXX Refinance Cash-out - Other Primary 11/XX/2004 RI $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400452 13229145 3934 XXX Refinance Cash-out - Other Primary 11/XX/2004 RI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400452 13229146 4967 XXX Refinance Cash-out - Other Primary 11/XX/2004 RI $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400452 13229147 2922 XXX Refinance Cash-out - Other Primary 11/XX/2004 RI $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400452 13229148 7027 XXX Refinance Cash-out - Other Primary 11/XX/2004 RI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 05/XX/2004.
96400452 13229149 2645 XXX Refinance Cash-out - Other Primary 11/XX/2004 RI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 11/XX/2007
96400452 13229150 3366 XXX Refinance Cash-out - Other Primary 11/XX/2004 RI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 11/XX/2007
96400452 13229151 2800 XXX Refinance Cash-out - Other Primary 11/XX/2004 RI $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400103 13229302 1973 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400103 13229303 1976 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400103 13229304 6589 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400103 13229305 2645 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 4/XX/2007
96400103 13229306 3366 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 4/XX/2007
96400103 13229307 2800 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400103 13229308 4967 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400103 13229309 2922 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400103 13229310 7027 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400205 13229463 6301 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 5/XX/2006
96400205 13229464 6302 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2006
96400205 13229465 2645 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2008
96400205 13229466 3366 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2008
96400097 13229531 3934 XXX Refinance Rate/Term Primary 12/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400097 13229532 7027 XXX Refinance Rate/Term Primary 12/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2003.
96400097 13229533 1973 XXX Refinance Rate/Term Primary 12/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400097 13229534 1976 XXX Refinance Rate/Term Primary 12/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400097 13229535 6589 XXX Refinance Rate/Term Primary 12/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400097 13229536 6301 XXX Refinance Rate/Term Primary 12/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 12/XX/2004
96400097 13229537 6302 XXX Refinance Rate/Term Primary 12/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2004
96400097 13229538 2645 XXX Refinance Rate/Term Primary 12/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2006
96400097 13229539 3366 XXX Refinance Rate/Term Primary 12/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2006
96400097 13229540 2800 XXX Refinance Rate/Term Primary 12/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400097 13229541 2922 XXX Refinance Rate/Term Primary 12/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96400212 13229693 3934 XXX Refinance Cash-out - Other Primary 7/XX/2005 NY $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400212 13229694 2645 XXX Refinance Cash-out - Other Primary 7/XX/2005 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2008
96400212 13229695 3366 XXX Refinance Cash-out - Other Primary 7/XX/2005 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2008
96400472 13230196 2800 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400472 13230197 1267 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96400472 13230198 6305 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 8/XX/2006
96400472 13230199 6306 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 8/XX/2006
96400320 13230257 7027 XXX Refinance Rate/Term Investment 6/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 05/XX/2003.
96400320 13230258 22064 XXX Refinance Rate/Term Investment 6/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed, per NC - max late charge for NC is 4% - note states 5%.
96400320 13230259 2798 XXX Refinance Rate/Term Investment 6/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400445 13230374 1267 XXX Refinance Rate/Term Primary 10/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96400442 13230703 1270 XXX Purchase Primary 8/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400442 13230704 2641 XXX Purchase Primary 8/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. Closing instructions indicate the Index used was 2.088%. The closest Index available in our look-back period is 2.25% 8/XX/2005
96400442 13230705 6305 XXX Purchase Primary 8/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 8/XX/2005
96400474 13230724 2798 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400474 13230725 7027 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400474 13230726 1270 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400474 13230727 6305 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 9/XX/2006
96400474 13230728 6302 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2006
96400474 13230729 24490 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400473 13230900 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400473 13230902 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400473 13230903 1270 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400342 13230912 2864 XXX Purchase Primary 2/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400998 13230947 5445 XXX Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400998 13230948 6576 XXX Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400998 13230949 2641 XXX Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $418.50. Unable to determine under disclosure due to missing itemization of amount financed. 3/XX/2009
96400108 13231001 1270 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400108 13231002 6305 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 6/XX/2005
96400108 13231003 6306 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2005
96400346 13231061 6305 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 2/XX/2006
96400346 13231062 2642 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 2/XX/2008
96400346 13231063 24490 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400202 13231158 5791 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400202 13231159 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400202 13231160 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 12/XX/2004.
96400202 13231161 1270 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400202 13231162 6305 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 5/XX/2006
96400202 13231163 6306 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 5/XX/2006
96400208 13231235 6301 XXX Refinance Rate/Term Primary 6/XX/2005 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 6/XX/2006
96400454 13231352 23495 XXX Purchase Primary 12/XX/2004 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2005
96400352 13231431 1270 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400352 13231432 1268 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400322 13231469 22064 XXX Refinance Rate/Term Investment 6/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per (NC) state - max for NC is 4% - note states 5%
96400322 13231471 2798 XXX Refinance Rate/Term Investment 6/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400322 13231472 7027 XXX Refinance Rate/Term Investment 6/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 05/XX/2003.
96400104 13231645 6305 XXX Refinance Rate/Term Primary 4/XX/2004 IA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 4/XX/2005
96400104 13231648 6302 XXX Refinance Rate/Term Primary 4/XX/2004 IA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2005
96400104 13231649 2641 XXX Refinance Rate/Term Primary 4/XX/2004 IA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $47.02. TIL Itemization did not disclose the MERS fee of $3.95 or the courier fee of $40 as prepaid finance charges. 4/XX/2007
96400475 13231737 6579 XXX Purchase Primary 9/XX/2005 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400317 13231781 2864 XXX Purchase Primary 5/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400317 13231782 3934 XXX Purchase Primary 5/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400317 13231783 7027 XXX Purchase Primary 5/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 11/XX/2002.
96400317 13231784 6301 XXX Purchase Primary 5/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 5/XX/2004
96400317 13231785 6302 XXX Purchase Primary 5/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2004
96400317 13231786 2800 XXX Purchase Primary 5/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400120 13232225 7027 XXX Purchase Primary 1/XX/2006 TX $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 01/XX/2006.
96400120 13232226 2798 XXX Purchase Primary 1/XX/2006 TX $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400928 13232263 6302 XXX Purchase Primary 10/XX/2006 CT $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2007
96400928 13232264 6301 XXX Purchase Primary 10/XX/2006 CT $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 10/XX/2007
96400476 13232443 2798 XXX Refinance Cash-out - Debt Consolidation Second Home 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400476 13232444 7027 XXX Refinance Cash-out - Debt Consolidation Second Home 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.
96400996 13232668 2641 XXX Refinance Rate/Term Primary 3/XX/2006 OR $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $190.39. Unable to determine under disclosure due to missing itemization of prepaid finance charges. 3/XX/2009
96400996 13232669 2798 XXX Refinance Rate/Term Primary 3/XX/2006 OR $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400996 13232670 7027 XXX Refinance Rate/Term Primary 3/XX/2006 OR $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 02/XX/2006.
96400357 13232678 6302 XXX Refinance Cash-out - Other Primary 5/XX/2005 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2006
96400323 13232781 2798 XXX Refinance Cash-out - Other Investment 6/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400323 13232782 7027 XXX Refinance Cash-out - Other Investment 6/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 05/XX/2003.
96400323 13232783 22064 XXX Refinance Cash-out - Other Investment 6/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NC) - max late charge for NC is 4% - note states 5%
96400114 13232812 7027 XXX Refinance Rate/Term Primary 1/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400114 13232813 1270 XXX Refinance Rate/Term Primary 1/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400114 13232814 23495 XXX Refinance Rate/Term Primary 1/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 1/XX/2007
96400114 13232815 1974 XXX Refinance Rate/Term Primary 1/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400114 13232816 1977 XXX Refinance Rate/Term Primary 1/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400114 13232817 6589 XXX Refinance Rate/Term Primary 1/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400457 13232874 5445 XXX Purchase Primary 1/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400457 13232875 1270 XXX Purchase Primary 1/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400457 13232876 6305 XXX Purchase Primary 1/XX/2005 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 1/XX/2006
96400356 13232927 6577 XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400356 13232928 6419 XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2008
96400356 13232929 2641 XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 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%. 3/XX/2008
96400440 13232949 2798 XXX Refinance Cash-out - Debt Consolidation Investment 7/XX/2004 NY $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400210 13233272 2798 XXX Refinance Cash-out - Other Primary 8/XX/2005 PA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400210 13233273 2864 XXX Refinance Cash-out - Other Primary 8/XX/2005 PA $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400319 13233525 22064 XXX Refinance Cash-out - Other Investment 6/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NC) - max late charge for NC is 4% - note states 5%
96400319 13233526 7027 XXX Refinance Cash-out - Other Investment 6/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 03/XX/2003.
96400101 13233726 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400101 13233727 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 02/XX/2004.
96400101 13233728 1270 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400101 13233729 6305 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 3/XX/2005
96400101 13233730 6306 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 3/XX/2005
96400314 13233803 2800 XXX Refinance Rate/Term Primary 1/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400314 13233804 7027 XXX Refinance Rate/Term Primary 1/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400314 13233805 1973 XXX Refinance Rate/Term Primary 1/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400314 13233806 1976 XXX Refinance Rate/Term Primary 1/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400314 13233807 6589 XXX Refinance Rate/Term Primary 1/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400314 13233808 6301 XXX Refinance Rate/Term Primary 1/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 1/XX/2004
96400347 13233919 1267 XXX Purchase Primary 3/XX/2005 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96400347 13233920 6305 XXX Purchase Primary 3/XX/2005 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 3/XX/2006
96400450 13233947 6305 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 11/XX/2005
96400204 13233964 2864 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 TN $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400204 13233965 6305 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 TN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 5/XX/2006
96400204 13233966 6302 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 TN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2006
96400204 13233967 2641 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 TN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 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. 5/XX/2008
96400204 13233968 2644 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 TN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2008
96400661 13233979 7027 XXX Purchase Investment 5/XX/2006 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400478 13234103 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 AZ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400478 13234104 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 09/XX/2005.
96400478 13234105 1270 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400478 13234106 6305 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 10/XX/2006
96400478 13234107 6306 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 10/XX/2006
96400203 13234398 6305 XXX Purchase Primary 5/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 5/XX/2006
96400203 13234399 2641 XXX Purchase Primary 5/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $805.43. Underdisclosure is due the incorrect payment streams disclosed on the final TIL. The Lender did not round the interest rate correctly. 5/XX/2006
96400203 13234400 6306 XXX Purchase Primary 5/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2006
96400111 13234423 7027 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400111 13234424 2798 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400449 13234472 2641 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 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. 11/XX/2007
96400354 13234514 7027 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 02/XX/2005.
96400354 13234515 2798 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400106 13234572 7027 XXX Refinance Rate/Term Primary 4/XX/2004 MN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.
96400106 13234573 1270 XXX Refinance Rate/Term Primary 4/XX/2004 MN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400106 13234574 23495 XXX Refinance Rate/Term Primary 4/XX/2004 MN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 4/XX/2005
96400106 13234575 6302 XXX Refinance Rate/Term Primary 4/XX/2004 MN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2005
96400453 13234633 7027 XXX Purchase Second Home 12/XX/2004 AL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 08/XX/2004.
96400470 13234729 7027 XXX Purchase Primary 7/XX/2005 AL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2005.
96400112 13234793 2798 XXX Purchase Primary 11/XX/2005 NV $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400112 13234794 5445 XXX Purchase Primary 11/XX/2005 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400112 13234795 7027 XXX Purchase Primary 11/XX/2005 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400112 13234796 1270 XXX Purchase Primary 11/XX/2005 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400345 13234813 5445 XXX Purchase Primary 3/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400345 13234814 6302 XXX Purchase Primary 3/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2006
96400345 13234815 1270 XXX Purchase Primary 3/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400345 13234816 6305 XXX Purchase Primary 3/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 3/XX/2006
96400444 13234845 2864 XXX Purchase Second Home 10/XX/2004 ME $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400444 13234846 6599 XXX Purchase Second Home 10/XX/2004 ME $XXX Loan Review Complete 08/14/2019 Insurance Insurance Eligibility Credit open 3 MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD.
96400340 13234932 6305 XXX Refinance Rate/Term Primary 2/XX/2005 TX $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 2/XX/2006
96400340 13234933 2798 XXX Refinance Rate/Term Primary 2/XX/2005 TX $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400446 13234970 6305 XXX Purchase Primary 10/XX/2004 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 10/XX/2005
96400446 13234971 6302 XXX Purchase Primary 10/XX/2004 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2005
96400446 13234972 3365 XXX Purchase Primary 10/XX/2004 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 10/XX/2005
96400310 13235023 1270 XXX Purchase Primary 7/XX/2002 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400310 13235024 6302 XXX Purchase Primary 7/XX/2002 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2003
96400310 13235026 2641 XXX Purchase Primary 7/XX/2002 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 7/XX/2003
96400441 13235058 942 XXX Purchase Primary 8/XX/2004 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 2 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 08/XX/2004
96400441 13235059 6305 XXX Purchase Primary 8/XX/2004 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 8/XX/2005
96400441 13235060 6302 XXX Purchase Primary 8/XX/2004 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2005
96400095 13235187 2864 XXX Refinance Cash-out - Other Primary 10/XX/2003 NC $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400448 13235335 6305 XXX Refinance Rate/Term Primary 11/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 11/XX/2005
96400448 13235336 6306 XXX Refinance Rate/Term Primary 11/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 11/XX/2005
96400343 13235482 6305 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 2/XX/2006
96400343 13235483 6302 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status Unable to determine if loan file contains CHARM Booklet due to missing information. 2/XX/2006
96400447 13235994 2798 XXX Purchase Primary 10/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400447 13235995 7027 XXX Purchase Primary 10/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 04/XX/2004.
96400447 13235996 3934 XXX Purchase Primary 10/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400211 13236019 7027 XXX Purchase Primary 6/XX/2005 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 05/XX/2005.
96400211 13236020 1270 XXX Purchase Primary 6/XX/2005 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400211 13236021 2798 XXX Purchase Primary 6/XX/2005 NY $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400341 13236137 5791 XXX Refinance Rate/Term Primary 2/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400341 13236138 23495 XXX Refinance Rate/Term Primary 2/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2006
96400341 13236139 1267 XXX Refinance Rate/Term Primary 2/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96400341 13236140 23494 XXX Refinance Rate/Term Primary 2/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2006
96400312 13236150 3366 XXX Purchase Primary 8/XX/2002 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2003
96400315 13236152 2800 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400315 13236153 7027 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400315 13236154 1973 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400315 13236155 1976 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400315 13236156 6589 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400122 13236442 611 XXX Purchase Primary 2/XX/2006 KY $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 2/XX/2007
96400358 13236466 1268 XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400358 13236467 6299 XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. 5/XX/2006
96400358 13236468 6302 XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2006
96400358 13236469 2798 XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400358 13236470 7027 XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400358 13236471 1270 XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400358 13236472 6305 XXX Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 5/XX/2006
96400339 13236815 5791 XXX Refinance Rate/Term Primary 1/XX/2005 UT $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400339 13236818 7027 XXX Refinance Rate/Term Primary 1/XX/2005 UT $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.
96400339 13236820 1270 XXX Refinance Rate/Term Primary 1/XX/2005 UT $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400339 13236821 6302 XXX Refinance Rate/Term Primary 1/XX/2005 UT $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2006
96400353 13236890 6589 XXX Refinance Cash-out - Other Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400353 13236891 6301 XXX Refinance Cash-out - Other Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 3/XX/2006
96400353 13236892 6302 XXX Refinance Cash-out - Other Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2006
96400353 13236893 2798 XXX Refinance Cash-out - Other Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400353 13236894 7027 XXX Refinance Cash-out - Other Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 02/XX/2005.
96400353 13236895 1974 XXX Refinance Cash-out - Other Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400353 13236896 1977 XXX Refinance Cash-out - Other Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400455 13236910 7027 XXX Purchase Primary 11/XX/2004 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 09/XX/2004.
96400455 13236911 6305 XXX Purchase Primary 11/XX/2004 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 11/XX/2005
96400455 13236912 6306 XXX Purchase Primary 11/XX/2004 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 11/XX/2005
96400948 13237246 3934 XXX Refinance Rate/Term Primary 4/XX/1998 FL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400948 13237247 2800 XXX Refinance Rate/Term Primary 4/XX/1998 FL $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400948 13237248 2864 XXX Refinance Rate/Term Primary 4/XX/1998 FL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400948 13237249 2798 XXX Refinance Rate/Term Primary 4/XX/1998 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400948 13237250 7027 XXX Refinance Rate/Term Primary 4/XX/1998 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/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 10/XX/1997.
96400948 13237251 2645 XXX Refinance Rate/Term Primary 4/XX/1998 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 4/XX/2001
96400948 13237252 3366 XXX Refinance Rate/Term Primary 4/XX/1998 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 4/XX/2001
96400948 13237253 1267 XXX Refinance Rate/Term Primary 4/XX/1998 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96400102 13237563 3934 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MN $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400102 13237564 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 09/XX/2003.
96400102 13237565 6301 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 3/XX/2005
96400102 13237566 6302 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2005
96400102 13237567 2645 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2007
96400102 13237568 3366 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2007
96400099 13237915 2798 XXX Refinance Rate/Term Primary 2/XX/2004 TN $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400099 13237917 2800 XXX Refinance Rate/Term Primary 2/XX/2004 TN $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400099 13237921 23495 XXX Refinance Rate/Term Primary 2/XX/2004 TN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2005
96400099 13237922 6302 XXX Refinance Rate/Term Primary 2/XX/2004 TN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2005
96400316 13237946 3934 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400316 13237947 7027 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400316 13237948 1973 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400316 13237949 1976 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400316 13237950 6589 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400316 13237951 22050 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2006
96400316 13237952 3366 XXX Refinance Rate/Term Primary 3/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2006
96400344 13238354 3934 XXX Refinance Rate/Term Primary 2/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400344 13238355 5445 XXX Refinance Rate/Term Primary 2/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400344 13238356 7027 XXX Refinance Rate/Term Primary 2/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 01/XX/2005.
96400344 13238357 2645 XXX Refinance Rate/Term Primary 2/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2008
96400344 13238358 3366 XXX Refinance Rate/Term Primary 2/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2008
96400344 13238359 2800 XXX Refinance Rate/Term Primary 2/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400344 13238360 2798 XXX Refinance Rate/Term Primary 2/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400313 13238506 2800 XXX Purchase Investment 9/XX/2002 GA $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400313 13238507 936 XXX Purchase Investment 9/XX/2002 GA $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Credit open 3 Valuation Error: Valuation report date was not provided.
96400313 13238509 7027 XXX Purchase Investment 9/XX/2002 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400313 13238510 4967 XXX Purchase Investment 9/XX/2002 GA $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400313 13238511 4968 XXX Purchase Investment 9/XX/2002 GA $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumption of 100%" - Validation if the "No Value Provided
96400313 13238512 2798 XXX Purchase Investment 9/XX/2002 GA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400313 13238513 936 XXX Purchase Investment 9/XX/2002 GA $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Credit open 3 Valuation Error: Valuation report date was not provided.
96400313 13238514 883 XXX Purchase Investment 9/XX/2002 GA $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Purchase contract date not provided.
96400313 13238515 3934 XXX Purchase Investment 9/XX/2002 GA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400262 13238863 20780 XXX Purchase Primary 11/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400262 13238864 6579 XXX Purchase Primary 11/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400262 13238865 2798 XXX Purchase Primary 11/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400262 13238866 7028 XXX Purchase Primary 11/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400262 13238867 1270 XXX Purchase Primary 11/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400947 13239089 2798 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400947 13239090 3934 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400947 13239091 18330 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400947 13239092 3934 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400947 13239093 20780 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400947 13239094 6579 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400947 13239095 7028 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400947 13239096 2645 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2001
96400947 13239097 3366 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2001
96400947 13239098 2800 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400947 13239099 2922 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400947 13239100 4967 XXX UTD UTD UTD 3/XX/1998 SC $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401000 13239215 17817 XXX Purchase Second Home 4/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Missing Document General Credit open 2 Incomplete Document: 1003 Initial - Lender's is incomplete Declarations section not completed.
96401000 13239216 5445 XXX Purchase Second Home 4/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401000 13239217 1268 XXX Purchase Second Home 4/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401000 13239218 2641 XXX Purchase Second Home 4/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 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.
96401000 13239219 3365 XXX Purchase Second Home 4/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.
96401000 13239220 611 XXX Purchase Second Home 4/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated.
96401000 13239223 613 XXX Purchase Second Home 4/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties
96401000 13239226 2922 XXX Purchase Second Home 4/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 04/XX/2006
96400350 13239461 23038 XXX Refinance Rate/Term Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400350 13239462 1976 XXX Refinance Rate/Term Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400350 13239463 6589 XXX Refinance Rate/Term Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400350 13239464 2645 XXX Refinance Rate/Term Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2008
96400350 13239465 7027 XXX Refinance Rate/Term Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400350 13239466 1974 XXX Refinance Rate/Term Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400350 13239467 6305 XXX Refinance Rate/Term Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 3/XX/2006
96400350 13239468 6306 XXX Refinance Rate/Term Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 3/XX/2006
96400350 13239469 4967 XXX Refinance Rate/Term Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400350 13239470 2922 XXX Refinance Rate/Term Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400096 13239622 2800 XXX Refinance Rate/Term Primary 12/XX/2003 GA $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400096 13239624 6577 XXX Refinance Rate/Term Primary 12/XX/2003 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400096 13239625 2645 XXX Refinance Rate/Term Primary 12/XX/2003 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2006
96400477 13239828 611 XXX Refinance Cash-out - Other Primary 9/XX/2005 VA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 9/XX/2008
96400477 13239829 613 XXX Refinance Cash-out - Other Primary 9/XX/2005 VA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 9/XX/2008
96400477 13239830 4967 XXX Refinance Cash-out - Other Primary 9/XX/2005 VA $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400477 13239831 2922 XXX Refinance Cash-out - Other Primary 9/XX/2005 VA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400477 13239833 6301 XXX Refinance Cash-out - Other Primary 9/XX/2005 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 9/XX/2006
96400477 13239834 6302 XXX Refinance Cash-out - Other Primary 9/XX/2005 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2006
96400477 13239835 22050 XXX Refinance Cash-out - Other Primary 9/XX/2005 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2008
96400477 13239836 3934 XXX Refinance Cash-out - Other Primary 9/XX/2005 VA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400100 13240244 2798 XXX Refinance Rate/Term Primary 2/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400100 13240245 7027 XXX Refinance Rate/Term Primary 2/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 08/XX/2003.
96400100 13240246 6301 XXX Refinance Rate/Term Primary 2/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 2/XX/2005
96400100 13240247 6302 XXX Refinance Rate/Term Primary 2/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2005
96400100 13240248 2645 XXX Refinance Rate/Term Primary 2/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2007
96400100 13240249 3366 XXX Refinance Rate/Term Primary 2/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2007
96400100 13240250 4967 XXX Refinance Rate/Term Primary 2/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400100 13240251 3934 XXX Refinance Rate/Term Primary 2/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400100 13240252 23933 XXX Refinance Rate/Term Primary 2/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400100 13240253 2922 XXX Refinance Rate/Term Primary 2/XX/2004 CA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400951 13240349 20780 XXX UTD UTD Primary 8/XX/2001 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400951 13240350 6579 XXX UTD UTD Primary 8/XX/2001 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400951 13240351 7028 XXX UTD UTD Primary 8/XX/2001 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400951 13240352 2645 XXX UTD UTD Primary 8/XX/2001 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2004
96400951 13240353 3366 XXX UTD UTD Primary 8/XX/2001 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2004
96400951 13240355 3934 XXX UTD UTD Primary 8/XX/2001 FL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400951 13240357 2798 XXX UTD UTD Primary 8/XX/2001 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400951 13240359 2800 XXX UTD UTD Primary 8/XX/2001 FL $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400951 13240362 4967 XXX UTD UTD Primary 8/XX/2001 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400951 13240364 2922 XXX UTD UTD Primary 8/XX/2001 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400689 13240454 3934 XXX Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400689 13240455 5445 XXX Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400689 13240456 7027 XXX Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400689 13240457 1973 XXX Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400689 13240458 1976 XXX Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400689 13240459 6589 XXX Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400689 13240460 2645 XXX Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 6/XX/2009
96400689 13240461 3366 XXX Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2009
96400098 13240920 2798 XXX Refinance Rate/Term Primary 1/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400098 13240924 6305 XXX Refinance Rate/Term Primary 1/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 1/XX/2005
96400098 13240925 6306 XXX Refinance Rate/Term Primary 1/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 1/XX/2005
96400098 13240927 2922 XXX Refinance Rate/Term Primary 1/XX/2004 PA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96400107 13240946 2800 XXX Purchase Second Home 5/XX/2004 NV $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400107 13240947 2868 XXX Purchase Second Home 5/XX/2004 NV $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Purchase Agreement / Sales Contract not provided
96400107 13240948 3366 XXX Purchase Second Home 5/XX/2004 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL.
96400107 13240949 3934 XXX Purchase Second Home 5/XX/2004 NV $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400107 13240950 7027 XXX Purchase Second Home 5/XX/2004 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 11/XX/2003.
96400107 13240951 2798 XXX Purchase Second Home 5/XX/2004 NV $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400207 13241022 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400207 13241023 6579 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400207 13241024 7028 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400207 13241025 1270 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400207 13241026 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400338 13241054 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400338 13241055 2645 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2009
96400338 13241056 3366 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2009
96400338 13241057 3934 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400338 13241058 5445 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400338 13241059 24490 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400338 13241060 1891 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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. 1/XX/2008
96400349 13241108 3934 XXX Refinance Rate/Term Primary 3/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400349 13241110 7027 XXX Refinance Rate/Term Primary 3/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400349 13241111 1891 XXX Refinance Rate/Term Primary 3/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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. 3/XX/2008
96400349 13241112 22050 XXX Refinance Rate/Term Primary 3/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2009
96400349 13241113 2922 XXX Refinance Rate/Term Primary 3/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2005
96400349 13241114 613 XXX Refinance Rate/Term Primary 3/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 3/XX/2009
96400349 13241115 611 XXX Refinance Rate/Term Primary 3/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 3/XX/2009
96400349 13241116 2864 XXX Refinance Rate/Term Primary 3/XX/2005 MA $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400309 13241136 23038 XXX Refinance Rate/Term Primary 7/XX/2002 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400309 13241140 18329 XXX Refinance Rate/Term Primary 7/XX/2002 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine the # of units, compliance results were generated using a defaulted value. Valuation Type: Stated / Valuation Report Date: 07/XX/2002
96400309 13241141 2922 XXX Refinance Rate/Term Primary 7/XX/2002 MI $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2002
96400309 13241142 7027 XXX Refinance Rate/Term Primary 7/XX/2002 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 07/XX/2002.
96400094 13241277 2922 XXX Refinance Rate/Term Primary 10/XX/2003 IN $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 09/XX/2003
96400209 13241331 6302 XXX Purchase Primary 7/XX/2005 ME $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2006
96400209 13241332 6305 XXX Purchase Primary 7/XX/2005 ME $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 7/XX/2006
96400949 13241338 5010 XXX Purchase Primary 4/XX/2000 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 4/XX/2001
96400949 13241339 2922 XXX Purchase Primary 4/XX/2000 GA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96400471 13242025 20780 XXX Purchase Primary 9/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400471 13242026 6579 XXX Purchase Primary 9/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400471 13242028 7028 XXX Purchase Primary 9/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400471 13242029 1270 XXX Purchase Primary 9/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400471 13242031 2864 XXX Purchase Primary 9/XX/2005 OH $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400105 13242154 3934 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400105 13242155 7027 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400105 13242156 1973 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400105 13242157 1976 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400105 13242158 6589 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400105 13242159 6301 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 4/XX/2005
96400105 13242160 6302 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2005
96400105 13242161 2645 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 4/XX/2007
96400105 13242162 3366 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 4/XX/2007
96400105 13242163 2800 XXX Refinance Rate/Term Primary 4/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400318 13242234 3934 XXX Refinance Rate/Term Primary 6/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400318 13242235 7027 XXX Refinance Rate/Term Primary 6/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400318 13242236 1973 XXX Refinance Rate/Term Primary 6/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400318 13242237 1976 XXX Refinance Rate/Term Primary 6/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400318 13242238 6589 XXX Refinance Rate/Term Primary 6/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400318 13242239 22050 XXX Refinance Rate/Term Primary 6/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 6/XX/2006
96400318 13242240 3366 XXX Refinance Rate/Term Primary 6/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2006
96400691 13242372 1270 XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400991 13242395 5445 XXX Purchase Primary 10/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400991 13242396 613 XXX Purchase Primary 10/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 10/XX/2007
96400924 13242459 5445 XXX Purchase Primary 10/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400924 13242460 1268 XXX Purchase Primary 10/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400924 13242461 611 XXX Purchase Primary 10/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 10/XX/2007
96400924 13242462 613 XXX Purchase Primary 10/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 10/XX/2007
96401005 13242506 1268 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401005 13242507 1974 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96401005 13242508 1977 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96401005 13242509 6590 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96401005 13242510 2645 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2009
96400267 13242604 6301 XXX Purchase Primary 12/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 12/XX/2007
96400267 13242605 6302 XXX Purchase Primary 12/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2007
96400267 13242606 2864 XXX Purchase Primary 12/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400999 13242611 1270 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400999 13242612 2644 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 4/XX/2009
96400660 13242649 2489 XXX Refinance Rate/Term Primary 4/XX/2006 VA $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400660 13242651 6302 XXX Refinance Rate/Term Primary 4/XX/2006 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2007
96400660 13242655 2641 XXX Refinance Rate/Term Primary 4/XX/2006 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. Title courier fee not disclosed to the borrower on the TiL as a finance charge. 4/XX/2009
96400955 13242749 1270 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400260 13242825 2864 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400260 13242826 2641 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The Lender's TIL reflects MI dropping off after 89 months, however, the audited TIL indicates MI should drop off after 90 months. 9/XX/2009
96400264 13242846 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 09/XX/2006.
96400264 13242847 1270 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400952 13243169 2864 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2006 OR $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401003 13243213 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 OH $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401003 13243214 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 03/XX/2006.
96401003 13243216 2645 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 4/XX/2009
96401003 13243220 1270 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400671 13243282 6302 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2007
96400671 13243283 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400671 13243284 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400671 13243285 6305 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 6/XX/2007
96400923 13243359 6576 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 HI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400259 13243360 5445 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400259 13243361 22050 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 11/XX/2009
96400259 13243364 611 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 11/XX/2009
96400259 13243367 613 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 11/XX/2009
96400121 13243420 5445 XXX Refinance Cash-out - Other Primary 1/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400956 13243630 7027 XXX Purchase Primary 12/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 07/XX/2006.
96400956 13243631 2798 XXX Purchase Primary 12/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400926 13243657 1270 XXX Refinance Cash-out - Debt Consolidation Second Home 11/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400664 13243738 2798 XXX Purchase Primary 5/XX/2006 MA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400664 13243749 7027 XXX Purchase Primary 5/XX/2006 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 03/XX/2006.
96400479 13243811 2798 XXX Purchase Primary 10/XX/2005 AL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400479 13243812 7027 XXX Purchase Primary 10/XX/2005 AL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 09/XX/2005.
96400479 13243813 1270 XXX Purchase Primary 10/XX/2005 AL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400683 13244004 2798 XXX Purchase Primary 7/XX/2006 AZ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400922 13244005 1267 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.
96400922 13244006 1268 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400922 13244007 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.
96400922 13244008 3934 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400922 13244009 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400119 13244133 2864 XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400119 13244134 3934 XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400119 13244135 1270 XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400258 13244222 2798 XXX Purchase Primary 10/XX/2006 PA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400258 13244223 611 XXX Purchase Primary 10/XX/2006 PA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 10/XX/2007
96400258 13244224 613 XXX Purchase Primary 10/XX/2006 PA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 10/XX/2007
96400258 13244225 5445 XXX Purchase Primary 10/XX/2006 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400258 13244226 1268 XXX Purchase Primary 10/XX/2006 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400258 13244227 7027 XXX Purchase Primary 10/XX/2006 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 09/XX/2006.
96400258 13244228 1270 XXX Purchase Primary 10/XX/2006 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400997 13244349 1270 XXX Purchase Primary 4/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400263 13244467 6578 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400263 13244468 2798 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400263 13244469 7027 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 11/XX/2006.
96400263 13244470 6305 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 12/XX/2007
96400263 13244471 6306 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 12/XX/2007
96400110 13244481 20780 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400110 13244482 6579 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400110 13244483 1270 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400110 13244484 5445 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400110 13244485 3934 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400116 13244548 2798 XXX Refinance UTD UTD 1/XX/2006 NH $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400116 13244549 4967 XXX Refinance UTD UTD 1/XX/2006 NH $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400116 13244550 2922 XXX Refinance UTD UTD 1/XX/2006 NH $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400116 13244551 3934 XXX Refinance UTD UTD 1/XX/2006 NH $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400116 13244552 18330 XXX Refinance UTD UTD 1/XX/2006 NH $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400116 13244554 20780 XXX Refinance UTD UTD 1/XX/2006 NH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400116 13244555 6579 XXX Refinance UTD UTD 1/XX/2006 NH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400116 13244556 7028 XXX Refinance UTD UTD 1/XX/2006 NH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400116 13244557 2645 XXX Refinance UTD UTD 1/XX/2006 NH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2009
96400116 13244558 3366 XXX Refinance UTD UTD 1/XX/2006 NH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2009
96400116 13244559 2800 XXX Refinance UTD UTD 1/XX/2006 NH $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400919 13244589 6578 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400919 13244590 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 07/XX/2006.
96400919 13244591 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400690 13244979 2798 XXX Purchase Primary 7/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400690 13244980 7027 XXX Purchase Primary 7/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 07/XX/2006.
96400662 13245033 1270 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400662 13245034 6305 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 6/XX/2007
96400662 13245035 6306 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2007
96401006 13245100 611 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 3/XX/2009
96401006 13245101 613 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 3/XX/2009
96401006 13245103 2645 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2009
96400694 13245254 6576 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400694 13245255 1270 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400694 13245257 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2009
96400666 13245265 7027 XXX Purchase Primary 6/XX/2006 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400666 13245266 1270 XXX Purchase Primary 6/XX/2006 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400668 13245264 2642 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2009
96400672 13245306 5445 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400672 13245307 1268 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400672 13245308 2645 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2009
96400672 13245309 3366 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2009 Reviewer Comment (2019-08-14): Unable to clear exception with documentation that was provided. TIL received was Prelim.
96401002 13245314 4128 XXX Refinance Rate/Term Primary 4/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 3 (Doc Error) HUD Error: Disbursement date is earlier than final TIL signature date. Verified missing disbursement date
96401002 13245316 4126 XXX Refinance Rate/Term Primary 4/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 3 (Doc Error) HUD Error: Disbursement date is earlier than note date.
96401002 13245318 4127 XXX Refinance Rate/Term Primary 4/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 3 (Doc Error) HUD Error: Disbursement date is earlier than notary/security instrument date. .
96401002 13245320 7027 XXX Refinance Rate/Term Primary 4/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 10/XX/2005.
96400685 13245408 2798 XXX Purchase Primary 6/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400685 13245409 611 XXX Purchase Primary 6/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 6/XX/2007
96400685 13245410 7027 XXX Purchase Primary 6/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400994 13245542 1270 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401001 13245566 3934 XXX Purchase Primary 4/XX/2006 GA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401001 13245567 23495 XXX Purchase Primary 4/XX/2006 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 4/XX/2007
96400665 13245910 2641 XXX Refinance Rate/Term Primary 6/XX/2006 MT $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $42.59. Unable to determine under disclosure due to missing itemization of amount financed. 6/XX/2009
96400665 13245911 7027 XXX Refinance Rate/Term Primary 6/XX/2006 MT $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400693 13246050 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400693 13246052 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 8/XX/2009
96400686 13246409 1270 XXX Purchase Primary 8/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400686 13246410 611 XXX Purchase Primary 8/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 8/XX/2007
96400481 13246459 7027 XXX Refinance Rate/Term Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 11/XX/2005.
96400481 13246460 1270 XXX Refinance Rate/Term Primary 12/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400684 13246560 1270 XXX Purchase Primary 7/XX/2006 OR $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400117 13246620 7027 XXX Purchase Primary 1/XX/2006 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 12/XX/2005.
96400117 13246621 2489 XXX Purchase Primary 1/XX/2006 VA $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400687 13246844 2798 XXX Refinance Rate/Term Primary 6/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400687 13246845 7027 XXX Refinance Rate/Term Primary 6/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400687 13246846 1270 XXX Refinance Rate/Term Primary 6/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400201 13247389 2798 XXX Refinance Cash-out - Other Primary 8/XX/2007 MS $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400201 13247390 4967 XXX Refinance Cash-out - Other Primary 8/XX/2007 MS $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400201 13247392 3934 XXX Refinance Cash-out - Other Primary 8/XX/2007 MS $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400201 13247393 23933 XXX Refinance Cash-out - Other Primary 8/XX/2007 MS $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400201 13247395 7027 XXX Refinance Cash-out - Other Primary 8/XX/2007 MS $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400201 13247397 24415 XXX Refinance Cash-out - Other Primary 8/XX/2007 MS $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Mississippi Late Charge Percent and Amount Testing > $100,000 Note late charge exceeds maximum per state. Late charge not allowed per state (MS) - max late charge for MS is 4% - note states 5%.
96400201 13247398 2645 XXX Refinance Cash-out - Other Primary 8/XX/2007 MS $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2010
96400201 13247403 3366 XXX Refinance Cash-out - Other Primary 8/XX/2007 MS $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2010
96400201 13247404 2922 XXX Refinance Cash-out - Other Primary 8/XX/2007 MS $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400201 13247405 2800 XXX Refinance Cash-out - Other Primary 8/XX/2007 MS $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401007 13247446 1270 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401007 13247447 6301 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 4/XX/2008
96400216 13247453 2800 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400216 13247455 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400216 13247456 3934 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400216 13247458 23933 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400216 13247460 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400216 13247462 2645 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 9/XX/2010
96400430 13247684 2798 XXX Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400430 13247685 2800 XXX Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400430 13247686 2876 XXX Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Security Instrument - Subject Lien not provided
96400430 13247687 3934 XXX Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400430 13247688 23933 XXX Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400430 13247689 2864 XXX Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400430 13247690 7027 XXX Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400134 13248189 2798 XXX Refinance UTD Primary 2/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400134 13248190 20780 XXX Refinance UTD Primary 2/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400134 13248191 6579 XXX Refinance UTD Primary 2/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400134 13248192 7028 XXX Refinance UTD Primary 2/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400134 13248193 2645 XXX Refinance UTD Primary 2/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2010
96400134 13248195 3366 XXX Refinance UTD Primary 2/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2010
96400995 13248362 6576 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400995 13248363 7027 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 12/XX/2005.
96400995 13248364 2922 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96400460 13248505 2798 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400460 13248506 2800 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400460 13248507 7027 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400460 13248508 2645 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2010
96400460 13248509 3934 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400439 13248850 2798 XXX Purchase Primary 7/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400439 13248852 3934 XXX Purchase Primary 7/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400439 13248856 5445 XXX Purchase Primary 7/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400439 13248857 7027 XXX Purchase Primary 7/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400439 13248858 3366 XXX Purchase Primary 7/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2008
96400439 13248859 2800 XXX Purchase Primary 7/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400439 13248860 2922 XXX Purchase Primary 7/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2007
96400669 13249296 2798 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400669 13249297 3934 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400669 13249298 23933 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400669 13249299 7027 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 01/XX/2006.
96400669 13249300 6301 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 7/XX/2007
96400669 13249301 6302 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2007
96400621 13249312 7027 XXX Refinance Cash-out - Other Investment 5/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 04/XX/2007.
96400118 13249665 2798 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400118 13249666 2800 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400118 13249667 4967 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400118 13249668 2922 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400118 13249669 3934 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400118 13249670 18330 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400118 13249671 23933 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400118 13249672 20780 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400118 13249673 6579 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400118 13249674 7028 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400118 13249675 2645 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2009
96400118 13249676 3366 XXX UTD UTD UTD 1/XX/2006 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2009
96400645 13249763 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400645 13249764 2922 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400645 13249765 3934 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400645 13249766 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400645 13249767 23038 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400645 13249768 2645 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2010
96400645 13249769 23933 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400645 13249770 2800 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400645 13249771 4967 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400223 13249931 5445 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400223 13249932 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400223 13249933 1268 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400223 13249934 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 10/XX/2010
96400223 13249935 23933 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400223 13249936 613 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 10/XX/2010
96400223 13249937 2922 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 09/XX/2007
96400776 13249993 22050 XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 2/XX/2010
96400776 13249994 5445 XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400776 13249995 1268 XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400776 13249996 611 XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 2/XX/2010
96400776 13249997 613 XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 2/XX/2010
96400776 13249998 4967 XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400776 13249999 2922 XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400776 13250000 2642 XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2010
96400776 13250001 2647 XXX Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2010
96401008 13250235 7027 XXX Purchase Primary 4/XX/2007 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401008 13250236 2798 XXX Purchase Primary 4/XX/2007 NY $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400336 13250265 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 PA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400336 13250266 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400336 13250267 1270 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400197 13250593 7027 XXX Purchase Primary 7/XX/2007 OR $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 06/XX/2007.
96400197 13250594 2798 XXX Purchase Primary 7/XX/2007 OR $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401013 13250625 5445 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401013 13250626 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 02/XX/2007.
96401013 13250627 1270 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401013 13250628 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400229 13250669 611 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 11/XX/2010
96400229 13250671 613 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 11/XX/2010
96400229 13250673 23933 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400229 13250675 5445 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400229 13250676 7027 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400229 13250677 1270 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400229 13250678 22050 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 11/XX/2010
96400229 13250679 3365 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 11/XX/2010
96400432 13250720 6576 XXX Purchase Primary 7/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400459 13250823 942 XXX Purchase Primary 8/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 2 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 08/XX/2007
96400792 13250852 5791 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400792 13250853 1270 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400792 13250854 6305 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 3/XX/2004
96400792 13250855 3365 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 3/XX/2006
96400792 13250856 6306 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2004
96400463 13250875 1270 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400629 13250903 7027 XXX Refinance Rate/Term Primary 6/XX/2007 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400782 13250904 1270 XXX Refinance Rate/Term Primary 1/XX/2007 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400782 13250905 2210 XXX Refinance Rate/Term Primary 1/XX/2007 OH $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400782 13250906 2214 XXX Refinance Rate/Term Primary 1/XX/2007 OH $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.
96400782 13250907 6305 XXX Refinance Rate/Term Primary 1/XX/2007 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 1/XX/2008
96400782 13250908 2641 XXX Refinance Rate/Term Primary 1/XX/2007 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. TIL itemization did not disclose a closing protection letter fee of $35 and a courier fee of $20 as prepaid finance charges. 1/XX/2010
96400782 13250911 6306 XXX Refinance Rate/Term Primary 1/XX/2007 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 1/XX/2008
96400200 13250995 7027 XXX Purchase Primary 7/XX/2007 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 06/XX/2007.
96400200 13250996 2798 XXX Purchase Primary 7/XX/2007 MA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400325 13251347 1270 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400325 13251348 2642 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2010
96400325 13251349 4929 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2010
96400435 13251454 2800 XXX Refinance Cash-out - Other Primary 12/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400435 13251455 611 XXX Refinance Cash-out - Other Primary 12/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 12/XX/2009
96400435 13251456 613 XXX Refinance Cash-out - Other Primary 12/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 12/XX/2009
96400435 13251457 5445 XXX Refinance Cash-out - Other Primary 12/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400435 13251458 1268 XXX Refinance Cash-out - Other Primary 12/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400435 13251459 22050 XXX Refinance Cash-out - Other Primary 12/XX/2006 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 12/XX/2009
96400333 13251460 1891 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MA $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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. 5/XX/2010
96400622 13251471 2647 XXX Refinance Rate/Term Primary 6/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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). 6/XX/2010
96400779 13251736 7027 XXX Refinance Rate/Term Primary 3/XX/2007 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400779 13251738 1270 XXX Refinance Rate/Term Primary 3/XX/2007 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400620 13251768 2798 XXX Refinance Rate/Term Primary 4/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400620 13251769 7027 XXX Refinance Rate/Term Primary 4/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 03/XX/2007.
96400620 13251770 1270 XXX Refinance Rate/Term Primary 4/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400620 13251771 2864 XXX Refinance Rate/Term Primary 4/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400048 13251935 2798 XXX Refinance Rate/Term Primary 3/XX/2008 AZ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400048 13251936 7027 XXX Refinance Rate/Term Primary 3/XX/2008 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 02/XX/2008.
96400048 13251937 1270 XXX Refinance Rate/Term Primary 3/XX/2008 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400130 13252035 1270 XXX Purchase Primary 4/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400925 13252037 613 XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 9/XX/2009
96400925 13252038 3934 XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400925 13252039 5445 XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400925 13252040 1268 XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400925 13252041 2641 XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed. 9/XX/2009
96400925 13252042 2645 XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 9/XX/2009
96400925 13252043 2798 XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400925 13252044 1270 XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400925 13252045 611 XXX Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 9/XX/2009
96400136 13252075 5445 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400139 13252302 2798 XXX Refinance Rate/Term Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400139 13252303 7027 XXX Refinance Rate/Term Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 02/XX/2007.
96400261 13252305 2798 XXX Purchase Primary 10/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400261 13252306 6577 XXX Purchase Primary 10/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400261 13252307 7027 XXX Purchase Primary 10/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 07/XX/2006.
96400791 13252427 6302 XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2008
96400791 13252428 6576 XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400791 13252429 1270 XXX Purchase Primary 3/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401010 13252590 3934 XXX Refinance Rate/Term Primary 4/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401010 13252592 5791 XXX Refinance Rate/Term Primary 4/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401010 13252593 2798 XXX Refinance Rate/Term Primary 4/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401010 13252598 7027 XXX Refinance Rate/Term Primary 4/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401010 13252599 2641 XXX Refinance Rate/Term Primary 4/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 4/XX/2010
96400326 13252603 7027 XXX Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400326 13252607 1270 XXX Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400326 13252614 6301 XXX Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 5/XX/2008
96400326 13252618 6302 XXX Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2008
96400788 13252679 2798 XXX Refinance Cash-out - Other Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400788 13252694 7027 XXX Refinance Cash-out - Other Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 12/XX/2006.
96400788 13252728 6576 XXX Refinance Cash-out - Other Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400788 13252733 22866 XXX Refinance Cash-out - Other Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 (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. 1/XX/2010
96400329 13252903 7027 XXX Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 12/XX/2006.
96400329 13252904 1270 XXX Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401009 13253045 7027 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 03/XX/2006.
96401009 13253046 2798 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400464 13253073 24490 XXX Refinance Rate/Term Primary 9/XX/2007 NM $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400953 13253156 2798 XXX Purchase Primary 12/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400953 13253157 7027 XXX Purchase Primary 12/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 11/XX/2006.
96400993 13253165 4798 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 Missing Affiliated Business Arrangement Disclosure and fee(s) were paid to affiliate.
96400266 13253192 6576 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 OR $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400266 13253193 1270 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 OR $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401014 13253292 7027 XXX Purchase Primary 5/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401014 13253293 1270 XXX Purchase Primary 5/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401014 13253294 2864 XXX Purchase Primary 5/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400331 13253344 2800 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400331 13253345 3934 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400331 13253346 5445 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400331 13253347 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 12/XX/2006.
96400331 13253348 2641 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $238.98. TIL Itemization did not disclose a Rate Lock Fee of $200 as a prepaid finance charge. Additionally, TIL Itemization disclosed Prepaid Interest of $354.08 and Final HUD reflects $398.34 6/XX/2010
96400619 13253440 6576 XXX Purchase Primary 5/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400619 13253441 1268 XXX Purchase Primary 5/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400619 13253442 3365 XXX Purchase Primary 5/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 5/XX/2008
96400619 13253443 611 XXX Purchase Primary 5/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 5/XX/2008
96400619 13253444 613 XXX Purchase Primary 5/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 5/XX/2008
96400137 13253448 7027 XXX Purchase Primary 3/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400137 13253449 1270 XXX Purchase Primary 3/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400335 13253669 7027 XXX Refinance Rate/Term Primary 6/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400335 13253670 1270 XXX Refinance Rate/Term Primary 6/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400335 13253671 2798 XXX Refinance Rate/Term Primary 6/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400961 13253817 23933 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400961 13253818 1268 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400961 13253820 22866 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 (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. 10/XX/2009
96400961 13253822 2644 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 10/XX/2009
96400921 13253830 7027 XXX Purchase Primary 9/XX/2006 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400778 13253980 2798 XXX Refinance Rate/Term Primary 2/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400778 13253981 6578 XXX Refinance Rate/Term Primary 2/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400778 13253982 7027 XXX Refinance Rate/Term Primary 2/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400778 13253983 2642 XXX Refinance Rate/Term Primary 2/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2010
96400778 13253984 20780 XXX Refinance Rate/Term Primary 2/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400433 13254064 1267 XXX Purchase Primary 7/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96400125 13254067 613 XXX Refinance Rate/Term Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 2/XX/2010
96400125 13254068 5445 XXX Refinance Rate/Term Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400125 13254069 7027 XXX Refinance Rate/Term Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400125 13254070 1268 XXX Refinance Rate/Term Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400125 13254071 1270 XXX Refinance Rate/Term Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400125 13254072 6302 XXX Refinance Rate/Term Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2008
96400125 13254073 3365 XXX Refinance Rate/Term Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 2/XX/2010
96400125 13254074 2642 XXX Refinance Rate/Term Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2010
96400125 13254075 2647 XXX Refinance Rate/Term Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2010
96400140 13254152 2645 XXX Refinance Rate/Term Primary 4/XX/2007 UT $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 4/XX/2010
96400140 13254154 7027 XXX Refinance Rate/Term Primary 4/XX/2007 UT $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400461 13254169 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400461 13254170 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2007.
96400461 13254171 1270 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400461 13254172 6305 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 6/XX/2008
96400461 13254173 6306 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 6/XX/2008
96400131 13254285 2864 XXX Refinance Rate/Term Primary 1/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400131 13254286 5445 XXX Refinance Rate/Term Primary 1/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400131 13254287 1270 XXX Refinance Rate/Term Primary 1/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400626 13254352 2798 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400626 13254353 7027 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 06/XX/2007.
96400626 13254354 1270 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400627 13254490 7027 XXX Refinance Cash-out - Other Primary 5/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.
96400627 13254491 1270 XXX Refinance Cash-out - Other Primary 5/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400627 13254492 2798 XXX Refinance Cash-out - Other Primary 5/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400783 13254509 7027 XXX Refinance Rate/Term Primary 2/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400783 13254510 23495 XXX Refinance Rate/Term Primary 2/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2008
96400783 13254511 23494 XXX Refinance Rate/Term Primary 2/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2008
96400783 13254512 3934 XXX Refinance Rate/Term Primary 2/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400438 13254618 5445 XXX Purchase Primary 7/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
96400438 13254619 6302 XXX Purchase Primary 7/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2008
96400127 13254620 5791 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400127 13254621 2798 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400127 13254622 7027 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400429 13254836 6577 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400429 13254837 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 12/XX/2006.
96400429 13254838 2647 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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). The RTC was printed on, 6-XX-2007, signed on, 6-XX-2007, and expired on 6-XX-2007. 6/XX/2010
96400429 13254839 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400429 13254840 24871 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Note Document Error Credit open 3 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
96400049 13254877 5445 XXX Refinance Cash-out - Other Primary 4/XX/2008 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
96400049 13254878 1268 XXX Refinance Cash-out - Other Primary 4/XX/2008 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400049 13254879 1469 XXX Refinance Cash-out - Other Primary 4/XX/2008 CO $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. 4/XX/2009
96400049 13254880 20684 XXX Refinance Cash-out - Other Primary 4/XX/2008 CO $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Colorado Home Loan (Ability to Repay not Verified) Colorado Home Loan (HB1322): Borrower’s ability to repay not verified with reliable documentation.
96400049 13254881 7027 XXX Refinance Cash-out - Other Primary 4/XX/2008 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400049 13254882 1270 XXX Refinance Cash-out - Other Primary 4/XX/2008 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400790 13255066 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400790 13255067 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400631 13255096 2798 XXX Purchase Primary 6/XX/2007 MO $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400631 13255097 7027 XXX Purchase Primary 6/XX/2007 MO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 04/XX/2007.
96400631 13255098 1270 XXX Purchase Primary 6/XX/2007 MO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400631 13255099 611 XXX Purchase Primary 6/XX/2007 MO $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 6/XX/2008
96400328 13255238 7027 XXX Purchase Primary 5/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 02/XX/2007.
96400128 13255539 2798 XXX Purchase Primary 12/XX/2006 PA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400128 13255540 7027 XXX Purchase Primary 12/XX/2006 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 11/XX/2006.
96401020 13255628 2641 XXX Refinance Rate/Term Primary 11/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $59.87. Unable to determine under disclosure due to missing Itemization of Amount Financed 11/XX/2010
96400954 13255726 3934 XXX Refinance Rate/Term Investment 12/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400954 13255727 4798 XXX Refinance Rate/Term Investment 12/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 Missing Affiliated Business Arrangement Disclosure and fee(s) were paid to affiliate.
96400954 13255728 6576 XXX Refinance Rate/Term Investment 12/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400777 13256004 2864 XXX Purchase Primary 12/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400777 13256005 5445 XXX Purchase Primary 12/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400777 13256006 6305 XXX Purchase Primary 12/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 12/XX/2007
96400927 13256290 3934 XXX Purchase Primary 10/XX/2006 MA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400630 13256439 7027 XXX Purchase Primary 6/XX/2007 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 12/XX/2006.
96400630 13256440 23495 XXX Purchase Primary 6/XX/2007 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2008
96400228 13256458 1268 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400228 13256459 2641 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed 1/XX/2011
96400228 13256460 5791 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401011 13256575 2800 XXX Refinance Rate/Term Investment 4/XX/2007 CT $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400126 13256704 6576 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400126 13256705 1270 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400126 13256706 2642 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2010
96400126 13256707 2647 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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). 3/XX/2010
96400124 13256851 6577 XXX Purchase Primary 3/XX/2007 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400124 13256852 6302 XXX Purchase Primary 3/XX/2007 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2008
96400124 13256853 2641 XXX Purchase Primary 3/XX/2007 NV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 3/XX/2008
96400332 13256953 1270 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401017 13257002 22866 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 (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. 11/XX/2011
96401017 13257003 24490 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400469 13257046 24490 XXX Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400469 13257048 2798 XXX Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400469 13257050 7027 XXX Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 08/XX/2007.
96400958 13257182 7027 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2006.
96400958 13257183 2798 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400213 13257229 5791 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400213 13257230 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400213 13257231 1268 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400213 13257232 1270 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400786 13257288 2864 XXX Refinance Cash-out - Other Primary 3/XX/2007 OH $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400786 13257289 7027 XXX Refinance Cash-out - Other Primary 3/XX/2007 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400786 13257290 1270 XXX Refinance Cash-out - Other Primary 3/XX/2007 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400786 13257291 2212 XXX Refinance Cash-out - Other Primary 3/XX/2007 OH $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400786 13257292 5660 XXX Refinance Cash-out - Other Primary 3/XX/2007 OH $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Ohio CSPA Tangible Net Benefit Test Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information.
96400784 13257298 3934 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400784 13257299 1270 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400327 13257313 2864 XXX Purchase Primary 4/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400327 13257315 5445 XXX Purchase Primary 4/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400327 13257316 2641 XXX Purchase Primary 4/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $251.87. Unable to determine under disclosure due to missing Itemization of Amount Financed. 4/XX/2008
96400268 13257486 5445 XXX Purchase Primary 11/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400268 13257487 2864 XXX Purchase Primary 11/XX/2006 NJ $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400785 13257601 5791 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400785 13257602 6302 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2008
96400785 13257603 22137 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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
96400785 13257604 1267 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96400785 13257605 6305 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 3/XX/2008
96400434 13257694 2864 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400434 13257695 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 06/XX/2007.
96400434 13257696 1270 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400434 13257697 23495 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96400774 13258100 1267 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96401028 13258345 2864 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 IL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401028 13258346 1270 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400217 13258438 3934 XXX Purchase Second Home 10/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400437 13258603 2798 XXX Purchase Primary 6/XX/2007 NY $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400437 13258604 7027 XXX Purchase Primary 6/XX/2007 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2007.
96400279 13258828 2864 XXX Purchase Primary 6/XX/2003 FL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400199 13258856 1268 XXX Purchase Primary 7/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400199 13258857 2798 XXX Purchase Primary 7/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400199 13258858 7027 XXX Purchase Primary 7/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400199 13258859 1270 XXX Purchase Primary 7/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400225 13258964 6576 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400225 13258965 1267 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96401025 13259072 5445 XXX Refinance Cash-out - Other Primary 12/XX/2007 IN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401025 13259073 6576 XXX Refinance Cash-out - Other Primary 12/XX/2007 IN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400226 13259095 5791 XXX Refinance Cash-out - Other Primary 12/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400226 13259097 1268 XXX Refinance Cash-out - Other Primary 12/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400797 13259115 6301 XXX Purchase Primary 12/XX/2005 ID $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 12/XX/2006
96400797 13259116 6302 XXX Purchase Primary 12/XX/2005 ID $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2006
96400797 13259117 5445 XXX Purchase Primary 12/XX/2005 ID $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400797 13259118 6224 XXX Purchase Primary 12/XX/2005 ID $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided Timely) Idaho Residential Mortgage Practices Act: Lock-in Agreement not provided to borrower within three (3) business days of interest rate lock date. Lock-in Agreement dated 12/XX/2005, rate lock date is 10/XX/2005.
96400628 13259171 3934 XXX Refinance Cash-out - Other Primary 6/XX/2007 DE $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400628 13259172 5791 XXX Refinance Cash-out - Other Primary 6/XX/2007 DE $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400628 13259173 7027 XXX Refinance Cash-out - Other Primary 6/XX/2007 DE $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 12/XX/2006.
96400628 13259174 1270 XXX Refinance Cash-out - Other Primary 6/XX/2007 DE $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400628 13259175 23495 XXX Refinance Cash-out - Other Primary 6/XX/2007 DE $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2008
96400628 13259176 6302 XXX Refinance Cash-out - Other Primary 6/XX/2007 DE $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2008
96400224 13259310 6302 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2008
96400224 13259311 2798 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400224 13259312 7027 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400224 13259313 1270 XXX Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400466 13259399 7027 XXX Refinance Rate/Term Primary 9/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 08/XX/2007.
96400583 13259422 7027 XXX Purchase Primary 9/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 07/XX/2004.
96400583 13259423 1270 XXX Purchase Primary 9/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400589 13259439 6305 XXX Purchase Primary 2/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 2/XX/2006
96400589 13259440 6302 XXX Purchase Primary 2/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2006
96400589 13259441 2641 XXX Purchase Primary 2/XX/2005 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $3,382.13. t appears the lender used an index lower than 2.82%, which is the lowest rate in the look back period. Unable to identify which is correct index due to missing source document. 2/XX/2006
96400230 13259533 7027 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007.
96400230 13259534 2798 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401027 13259547 7027 XXX Refinance Rate/Term Primary 12/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 11/XX/2007.
96401027 13259548 2798 XXX Refinance Rate/Term Primary 12/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400810 13259746 2864 XXX Purchase Primary 1/XX/2006 TX $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400810 13259747 5445 XXX Purchase Primary 1/XX/2006 TX $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400810 13259748 2798 XXX Purchase Primary 1/XX/2006 TX $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400810 13259749 7027 XXX Purchase Primary 1/XX/2006 TX $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 12/XX/2005.
96400804 13259807 5445 XXX Refinance Rate/Term Primary 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400804 13259808 5431 XXX Refinance Rate/Term Primary 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
96400804 13259809 1274 XXX Refinance Rate/Term Primary 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400804 13259810 7087 XXX Refinance Rate/Term Primary 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96400804 13259812 1327 XXX Refinance Rate/Term Primary 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96400804 13259813 2641 XXX Refinance Rate/Term Primary 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of amount financed. 12/XX/2015
96400804 13259814 2645 XXX Refinance Rate/Term Primary 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2015
96400804 13259815 1283 XXX Refinance Rate/Term Primary 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400804 13259816 1287 XXX Refinance Rate/Term Primary 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96400804 13259818 1294 XXX Refinance Rate/Term Primary 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401021 13260031 7027 XXX Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2007.
96401022 13260105 7027 XXX Purchase Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.
96401022 13260106 2798 XXX Purchase Primary 11/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400056 13260144 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 OR $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 01/XX/2008.
96400056 13260145 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 OR $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400196 13260396 7027 XXX Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400196 13260397 1270 XXX Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400196 13260398 6301 XXX Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 8/XX/2008
96400592 13260482 5791 XXX Refinance Rate/Term Primary 7/XX/2005 IN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400592 13260485 1270 XXX Refinance Rate/Term Primary 7/XX/2005 IN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400592 13260486 6302 XXX Refinance Rate/Term Primary 7/XX/2005 IN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2006
96400592 13260487 6305 XXX Refinance Rate/Term Primary 7/XX/2005 IN $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 7/XX/2006
96400462 13260498 3934 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400462 13260499 7027 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 08/XX/2007.
96400462 13260500 2798 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400590 13260539 1973 XXX Refinance Cash-out - Other Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400590 13260540 1976 XXX Refinance Cash-out - Other Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400590 13260541 6589 XXX Refinance Cash-out - Other Primary 3/XX/2005 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400275 13260678 2641 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $350.09. TIL Itemization did not disclose $350.00 (POC) Application Fee as a prepaid finance charge. 5/XX/2005
96400214 13260724 2864 XXX Purchase Primary 9/XX/2007 UT $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400214 13260725 7027 XXX Purchase Primary 9/XX/2007 UT $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 08/XX/2007.
96400624 13260739 7027 XXX Purchase Primary 5/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 04/XX/2007.
96400231 13260759 7027 XXX Purchase Primary 12/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 11/XX/2007.
96400231 13260760 2798 XXX Purchase Primary 12/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400560 13260947 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400560 13260949 1270 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 MA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400560 13260951 1891 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 MA $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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. 6/XX/2011
96400560 13260953 20804 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 MA $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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
96400222 13260946 5445 XXX Purchase Primary 9/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400054 13260999 7027 XXX Refinance Rate/Term Primary 5/XX/2008 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 04/XX/2008.
96400054 13261000 1270 XXX Refinance Rate/Term Primary 5/XX/2008 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401016 13261047 1270 XXX Refinance Rate/Term Primary 11/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401016 13261048 2864 XXX Refinance Rate/Term Primary 11/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400793 13261216 5445 XXX Purchase Primary 2/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400277 13261228 7027 XXX Purchase Primary 5/XX/2003 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 02/XX/2003.
96400277 13261229 2798 XXX Purchase Primary 5/XX/2003 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400330 13261258 6223 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 ID $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.
96400636 13261263 2864 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400636 13261264 1267 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96400625 13261511 5445 XXX Purchase Primary 5/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401015 13261539 6576 XXX Purchase Primary 3/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400334 13261616 5445 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400334 13261617 1267 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96400815 13261812 5445 XXX Refinance Rate/Term Primary 8/XX/2006 WV $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400594 13261960 5791 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 ME $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400594 13261961 6305 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 ME $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 7/XX/2006
96400467 13262433 1270 XXX Purchase Primary 8/XX/2007 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400232 13262461 2798 XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400232 13262462 5445 XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400232 13262463 7027 XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 08/XX/2007.
96400232 13262464 2645 XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2011
96400232 13262466 3934 XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400232 13262468 2800 XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400595 13262706 2798 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400595 13262709 454 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Credit open 3 (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
96400595 13262710 4967 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400595 13262712 2922 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400595 13262713 3934 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400595 13262714 18330 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400595 13262715 20780 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400595 13262716 6579 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400595 13262717 7028 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400595 13262718 23038 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400595 13262719 6301 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 9/XX/2006
96400595 13262720 6302 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2006
96400595 13262721 2645 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 9/XX/2008
96400595 13262722 3366 XXX UTD UTD UTD 9/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 9/XX/2008
96400272 13262789 770 XXX Refinance Rate/Term Primary 6/XX/2013 VA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96400272 13262791 5445 XXX Refinance Rate/Term Primary 6/XX/2013 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400272 13262792 5440 XXX Refinance Rate/Term Primary 6/XX/2013 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96400272 13262793 1274 XXX Refinance Rate/Term Primary 6/XX/2013 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400272 13262794 7087 XXX Refinance Rate/Term Primary 6/XX/2013 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96400272 13262795 1327 XXX Refinance Rate/Term Primary 6/XX/2013 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96400272 13262796 2922 XXX Refinance Rate/Term Primary 6/XX/2013 VA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96400270 13262811 5428 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96400270 13262812 5431 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
96400270 13262813 1274 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400270 13262814 1268 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400270 13262815 7115 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
96400270 13262816 2641 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing the final TIL itemization of amount financed. 4/XX/2016
96400270 13262817 2922 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96400806 13263135 2864 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400806 13263136 770 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96400806 13263137 2922 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2013
96400806 13263138 5445 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400806 13263139 5440 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96400806 13263140 5431 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
96400806 13263141 1274 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400806 13263143 1283 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400806 13263145 1287 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96400806 13263147 1294 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96400806 13263148 1312 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400806 13263149 1327 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96400806 13263150 2633 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2014
96400806 13263151 2634 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2014
96400806 13263152 2587 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2016
96400806 13263153 2591 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 2/XX/2016
96400806 13263154 2645 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2016
96400806 13263155 7087 XXX Refinance Rate/Term Primary 2/XX/2013 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96400798 13263465 1270 XXX Refinance Rate/Term Primary 2/XX/2010 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400798 13263466 2633 XXX Refinance Rate/Term Primary 2/XX/2010 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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/XX/2011
96400798 13263467 2922 XXX Refinance Rate/Term Primary 2/XX/2010 IL $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2010
96400278 13263536 611 XXX Purchase Primary 4/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 4/XX/2004
96400278 13263537 613 XXX Purchase Primary 4/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 4/XX/2004
96400278 13263539 2798 XXX Purchase Primary 4/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400278 13263541 7027 XXX Purchase Primary 4/XX/2003 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 02/XX/2003.
96400800 13263579 7027 XXX Refinance Rate/Term Primary 10/XX/2012 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 04/XX/2012.
96400800 13263581 1274 XXX Refinance Rate/Term Primary 10/XX/2012 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400800 13263583 1277 XXX Refinance Rate/Term Primary 10/XX/2012 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400800 13263587 1270 XXX Refinance Rate/Term Primary 10/XX/2012 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400800 13263588 18362 XXX Refinance Rate/Term Primary 10/XX/2012 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400800 13263589 2633 XXX Refinance Rate/Term Primary 10/XX/2012 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 10/XX/2013
96400800 13263590 2644 XXX Refinance Rate/Term Primary 10/XX/2012 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 10/XX/2015
96401031 13263643 2798 XXX Purchase Primary 3/XX/2008 VA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401031 13263644 3934 XXX Purchase Primary 3/XX/2008 VA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401031 13263645 2922 XXX Purchase Primary 3/XX/2008 VA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2008
96401031 13263646 7027 XXX Purchase Primary 3/XX/2008 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 09/XX/2007.
96401031 13263647 2489 XXX Purchase Primary 3/XX/2008 VA $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96401031 13263648 3366 XXX Purchase Primary 3/XX/2008 VA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2009
96400271 13263649 770 XXX Refinance Rate/Term Investment 5/XX/2013 SC $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96400271 13263650 2922 XXX Refinance Rate/Term Investment 5/XX/2013 SC $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 05/XX/2013
96400588 13264539 2798 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400588 13264540 4967 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400588 13264541 3934 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400588 13264542 20780 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400588 13264543 6579 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400588 13264544 7028 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400588 13264545 23038 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400588 13264546 1973 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400588 13264547 1976 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400588 13264548 6589 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400588 13264549 2645 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 11/XX/2007
96400588 13264550 3366 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 11/XX/2007
96400588 13264551 2922 XXX Refinance UTD Primary 11/XX/2004 MI $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400801 13264602 2864 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400801 13264603 5445 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400801 13264604 1274 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400801 13264605 1287 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96400801 13264606 1294 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96400801 13264607 1323 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.
96400801 13264608 7087 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96400801 13264609 1327 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96400801 13264610 2587 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 10/XX/2015
96400801 13264611 2591 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 10/XX/2015
96400801 13264612 2645 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/2015
96400801 13264613 2922 XXX Refinance Rate/Term Primary 10/XX/2012 NJ $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2012
96400799 13264621 2922 XXX Refinance Rate/Term Primary 6/XX/2010 IL $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 06/XX/2010
96400799 13264622 1297 XXX Refinance Rate/Term Primary 6/XX/2010 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance With Cure RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.
96400586 13265202 6305 XXX Refinance Rate/Term Primary 9/XX/2004 NE $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 9/XX/2005
96400586 13265203 6306 XXX Refinance Rate/Term Primary 9/XX/2004 NE $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2005
96401019 13265204 5791 XXX Refinance Rate/Term Primary 11/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401019 13265205 7027 XXX Refinance Rate/Term Primary 11/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401019 13265206 2798 XXX Refinance Rate/Term Primary 11/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401019 13265207 2864 XXX Refinance Rate/Term Primary 11/XX/2007 MD $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400809 13265548 5791 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400809 13265549 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400809 13265551 1270 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400809 13265552 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401012 13265652 5445 XXX Refinance Rate/Term Primary 4/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401012 13265653 1268 XXX Refinance Rate/Term Primary 4/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401012 13265654 613 XXX Refinance Rate/Term Primary 4/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 4/XX/2010
96401012 13265655 611 XXX Refinance Rate/Term Primary 4/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 4/XX/2010
96401012 13265656 22050 XXX Refinance Rate/Term Primary 4/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2010
96400055 13265714 5791 XXX Purchase Primary 5/XX/2008 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400055 13265715 7027 XXX Purchase Primary 5/XX/2008 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400055 13265716 2798 XXX Purchase Primary 5/XX/2008 WA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400220 13265758 2641 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $358.00. Unable to determine under disclosure due to missing Itemization of Amount Financed. 10/XX/2010
96400198 13265979 2798 XXX Purchase Primary 8/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400198 13265980 7027 XXX Purchase Primary 8/XX/2007 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 07/XX/2007.
96400591 13266175 2798 XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400591 13266176 7027 XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 03/XX/2005.
96400050 13266221 2864 XXX Refinance Cash-out - Other Primary 3/XX/2008 WA $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400050 13266222 1270 XXX Refinance Cash-out - Other Primary 3/XX/2008 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400050 13266223 2922 XXX Refinance Cash-out - Other Primary 3/XX/2008 WA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96400702 13266288 2798 XXX Refinance Rate/Term Primary 3/XX/2008 NY $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400702 13266289 7027 XXX Refinance Rate/Term Primary 3/XX/2008 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 10/XX/2007.
96400702 13266290 1270 XXX Refinance Rate/Term Primary 3/XX/2008 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400562 13266317 2798 XXX Refinance Rate/Term Investment 7/XX/2008 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400562 13266318 7027 XXX Refinance Rate/Term Investment 7/XX/2008 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2008.
96400221 13266365 2864 XXX Purchase Primary 10/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401026 13266541 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 DC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401026 13266542 1270 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 DC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401026 13266543 6305 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 DC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 7/XX/2008
96401026 13266544 6302 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 DC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2008
96401026 13266545 22050 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 DC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2010
96401026 13266546 611 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 DC $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 7/XX/2010
96401026 13266547 613 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 DC $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 7/XX/2010
96401026 13266548 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 DC $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400053 13266625 7027 XXX Refinance Cash-out - Other Primary 3/XX/2008 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 09/XX/2007.
96400812 13266630 5445 XXX Refinance Rate/Term Primary 6/XX/2006 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400812 13266631 2645 XXX Refinance Rate/Term Primary 6/XX/2006 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 6/XX/2009
96400812 13266632 3366 XXX Refinance Rate/Term Primary 6/XX/2006 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2009
96400813 13266862 7027 XXX Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400813 13266863 1270 XXX Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400273 13266986 7027 XXX Purchase Primary 1/XX/2014 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400273 13266987 5430 XXX Purchase Primary 1/XX/2014 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
96400273 13266988 5432 XXX Purchase Primary 1/XX/2014 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
96400273 13266989 1277 XXX Purchase Primary 1/XX/2014 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400273 13266990 1271 XXX Purchase Primary 1/XX/2014 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96400273 13266991 18362 XXX Purchase Primary 1/XX/2014 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400273 13266992 2633 XXX Purchase Primary 1/XX/2014 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 1/XX/2015
96400273 13266993 2641 XXX Purchase Primary 1/XX/2014 LA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 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. 1/XX/2015
96400273 13266994 2864 XXX Purchase Primary 1/XX/2014 LA $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400580 13267052 2641 XXX Purchase Primary 5/XX/2004 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 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. 5/XX/2005
96400637 13267053 1270 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400257 13267096 5791 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400257 13267098 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400257 13267100 2641 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. TIL Itemization did not disclose the wire fee of $50 as prepaid finance charges. 9/XX/2009
96400257 13267102 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400585 13267192 23933 XXX Purchase Primary 9/XX/2004 IL $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400585 13267193 6305 XXX Purchase Primary 9/XX/2004 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 9/XX/2005
96400280 13267362 2641 XXX Purchase Primary 7/XX/2003 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. 7/XX/2004
96401023 13267393 7027 XXX Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401023 13267394 1268 XXX Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401023 13267395 1270 XXX Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401023 13267396 2798 XXX Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400811 13267480 7027 XXX Purchase Primary 6/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 04/XX/2006.
96400811 13267481 1268 XXX Purchase Primary 6/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400811 13267482 1270 XXX Purchase Primary 6/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400811 13267483 2641 XXX Purchase Primary 6/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $125.70. 6/XX/2007
96400811 13267484 2798 XXX Purchase Primary 6/XX/2006 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400816 13267495 2641 XXX Refinance Rate/Term Primary 11/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine reason for under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. 11/XX/2009
96400816 13267496 2642 XXX Refinance Rate/Term Primary 11/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 11/XX/2009
96400816 13267497 2647 XXX Refinance Rate/Term Primary 11/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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). 11/XX/2009
96400816 13267498 22866 XXX Refinance Rate/Term Primary 11/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 (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. 11/XX/2009
96400578 13267522 23933 XXX Purchase Primary 4/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400578 13267523 3934 XXX Purchase Primary 4/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400578 13267524 7027 XXX Purchase Primary 4/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400578 13267525 6301 XXX Purchase Primary 4/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 4/XX/2005
96400578 13267526 6302 XXX Purchase Primary 4/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2005
96400578 13267527 2798 XXX Purchase Primary 4/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400578 13267528 2641 XXX Purchase Primary 4/XX/2004 GA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $946.45. Underdisclosure appears to be related to the payment stream variations because of a difference of the MI rate, monthly payment and when it drops 4/XX/2005
96400215 13267558 6576 XXX Purchase Primary 10/XX/2007 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400215 13267559 7027 XXX Purchase Primary 10/XX/2007 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400215 13267560 1270 XXX Purchase Primary 10/XX/2007 NC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400219 13267579 5445 XXX Purchase Primary 10/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400219 13267580 7027 XXX Purchase Primary 10/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400219 13267581 2800 XXX Purchase Primary 10/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400219 13267582 5780 XXX Purchase Primary 10/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 Initial TIL not provided 10/XX/2008
96400219 13267583 3934 XXX Purchase Primary 10/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400219 13267584 2864 XXX Purchase Primary 10/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400276 13267686 7027 XXX Purchase Primary 5/XX/2002 PA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 04/XX/2002.
96401024 13267888 2864 XXX Purchase Primary 11/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401024 13267889 2798 XXX Purchase Primary 11/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401024 13267890 7027 XXX Purchase Primary 11/XX/2007 MI $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400795 13267936 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2008 MD $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400795 13267937 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2008 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 08/XX/2008.
96400795 13267938 1270 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2008 MD $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400794 13268066 2864 XXX Purchase Primary 9/XX/2008 NY $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400794 13268067 1270 XXX Purchase Primary 9/XX/2008 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400794 13268068 2641 XXX Purchase Primary 9/XX/2008 NY $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 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. 9/XX/2009
96400638 13268191 2864 XXX Purchase Primary 12/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400638 13268193 2798 XXX Purchase Primary 12/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400638 13268195 7027 XXX Purchase Primary 12/XX/2006 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2006.
96400639 13268200 2864 XXX Purchase Primary 12/XX/2006 OH $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400639 13268201 5445 XXX Purchase Primary 12/XX/2006 OH $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400559 13268273 6305 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 CO $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 4/XX/2009
96400808 13268292 7027 XXX Purchase Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400808 13268293 1270 XXX Purchase Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400808 13268294 6305 XXX Purchase Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 9/XX/2006
96400808 13268295 6306 XXX Purchase Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 9/XX/2006
96400646 13268461 2798 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400646 13268462 2800 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400646 13268463 2922 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400646 13268464 3934 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400646 13268465 18330 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400646 13268466 20780 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400646 13268467 6579 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400646 13268468 7028 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400646 13268469 23038 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400646 13268471 2645 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2010
96400646 13268473 3366 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2010
96400646 13268474 4967 XXX UTD UTD UTD 8/XX/2007 WA $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400581 13268516 6305 XXX Purchase Primary 4/XX/2004 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 4/XX/2005
96400581 13268517 6302 XXX Purchase Primary 4/XX/2004 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2005
96400581 13268518 2641 XXX Purchase Primary 4/XX/2004 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $393.31. Unable to determine under disclosure due to missing itemization of amount financed. 4/XX/2005
96400641 13268502 2798 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400641 13268504 20780 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400641 13268506 6579 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96400641 13268507 7028 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400641 13268508 23038 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400641 13268509 2645 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 6/XX/2010
96400641 13268510 3366 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2010
96400641 13268511 4967 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400641 13268512 2922 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400641 13268513 3934 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400641 13268514 23933 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400641 13268515 2800 XXX UTD UTD Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401030 13268679 2798 XXX Purchase Primary 1/XX/2008 DC $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401030 13268680 20780 XXX Purchase Primary 1/XX/2008 DC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401030 13268681 6579 XXX Purchase Primary 1/XX/2008 DC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96401030 13268682 7028 XXX Purchase Primary 1/XX/2008 DC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401030 13268683 3366 XXX Purchase Primary 1/XX/2008 DC $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2009
96401030 13268684 2800 XXX Purchase Primary 1/XX/2008 DC $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401030 13268685 3934 XXX Purchase Primary 1/XX/2008 DC $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401030 13268686 4967 XXX Purchase Primary 1/XX/2008 DC $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401030 13268687 2922 XXX Purchase Primary 1/XX/2008 DC $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400805 13268945 2864 XXX Refinance Rate/Term Primary 1/XX/2013 NJ $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400805 13268946 1274 XXX Refinance Rate/Term Primary 1/XX/2013 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400805 13268947 1287 XXX Refinance Rate/Term Primary 1/XX/2013 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96400805 13268948 1294 XXX Refinance Rate/Term Primary 1/XX/2013 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96400805 13268949 7087 XXX Refinance Rate/Term Primary 1/XX/2013 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96400805 13268950 1327 XXX Refinance Rate/Term Primary 1/XX/2013 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96400805 13268951 2645 XXX Refinance Rate/Term Primary 1/XX/2013 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2016
96400805 13268952 5445 XXX Refinance Rate/Term Primary 1/XX/2013 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400805 13268953 2922 XXX Refinance Rate/Term Primary 1/XX/2013 NJ $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2013
96400805 13268954 6514 XXX Refinance Rate/Term Primary 1/XX/2013 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401029 13269102 2798 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401029 13269103 2876 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Security Instrument - Subject Lien not provided
96401029 13269104 4967 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401029 13269105 2922 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401029 13269106 3934 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401029 13269107 18330 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96401029 13269109 20780 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401029 13269110 6579 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96401029 13269111 7028 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401029 13269112 22137 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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
96401029 13269113 2645 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2011
96401029 13269114 3366 XXX Refinance UTD UTD 1/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2011
96400802 13269375 1274 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400802 13269376 1287 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96400802 13269377 1294 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96400802 13269378 1327 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96400802 13269379 2587 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2015
96400802 13269380 2591 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2015
96400802 13269381 2645 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. missing doc 12/XX/2015
96400802 13269382 2864 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided mortgage insurance certificate not in file.
96400802 13269383 5445 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400802 13269384 5430 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
96400802 13269385 5432 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
96400802 13269386 2922 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96400051 13269480 1270 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 ID $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400051 13269481 1681 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 ID $XXX Loan Review Complete 08/14/2019 Compliance State Compliance Compliance open 2 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.
96400051 13269482 2641 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 ID $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 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. 3/XX/2011
96400051 13269484 3934 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 ID $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400051 13269485 3934 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 ID $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400803 13269718 2922 XXX Refinance Rate/Term Investment 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2012
96400803 13269719 5445 XXX Refinance Rate/Term Investment 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400803 13269720 2864 XXX Refinance Rate/Term Investment 12/XX/2012 FL $XXX Loan Review Complete 08/14/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401032 13269969 2876 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Security Instrument - Subject Lien not provided
96401032 13269970 2798 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401032 13269971 4967 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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. Appraisal was not provided.
96401032 13269972 2922 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401032 13269973 3934 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401032 13269974 18330 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96401032 13269975 23933 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96401032 13269976 20780 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401032 13269978 6579 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 3 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.
96401032 13269981 7028 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401032 13269983 23038 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96401032 13269986 2645 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2011
96401032 13269989 3366 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2011
96401032 13269995 2800 XXX UTD UTD UTD 3/XX/2008 FL $XXX Loan Review Complete 08/14/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96400596 13270119 2798 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400596 13270120 5445 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400596 13270121 7027 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400596 13270122 2645 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 9/XX/2008
96400596 13270123 3366 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 9/XX/2008
96400596 13270124 4967 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400596 13270125 2922 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/14/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96400642 13270297 2798 XXX Purchase Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400642 13270298 5445 XXX Purchase Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400642 13270299 611 XXX Purchase Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 6/XX/2008
96400642 13270300 613 XXX Purchase Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/14/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 6/XX/2008
96400643 13270305 1270 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CA $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400644 13270309 7027 XXX Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400644 13270310 1268 XXX Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400644 13270311 1270 XXX Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96400644 13270312 2641 XXX Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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 $826.44. All HUD-1 fees have been checked and verified as accurate, unable to determine variance in finance charge under disclosure due to missing Itemization of Amount Financed. 7/XX/2008
96401108 15860182 2798 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401108 15860183 2922 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401108 15860184 3934 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401108 15860185 23933 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96401108 15860186 20780 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401108 15860187 6579 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Compliance Federal Compliance Compliance open 3 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.
96401108 15860188 7028 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401108 15860189 5334 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Compliance Federal Compliance Compliance open 2 (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.
96401108 15860190 2645 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2011
96401108 15860191 3366 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2011
96401108 15860192 5681 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Compliance State Compliance Compliance open 2 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.
96401108 15860193 4967 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401108 15860194 2800 XXX Refinance Rate/Term Primary 1/XX/2008 VA $XXX Loan Review Complete 03/22/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401111 16783701 2798 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401111 16783702 2876 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Security Instrument - Subject Lien not provided
96401111 16783704 23933 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96401111 16783705 18330 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96401111 16783706 3934 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401111 16783707 4967 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401111 16783708 20780 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance Federal Compliance Compliance open 2 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.
96401111 16783709 6579 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance Federal Compliance Compliance open 3 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.
96401111 16783710 7028 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance Federal Compliance Compliance open 2 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.
96401111 16783711 23038 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96401111 16783712 22051 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance State Compliance Compliance open 2 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. "10 day grace period is less than 15 day minimum per state (PA)
96401111 16783713 6301 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 2/XX/2007
96401111 16783714 6302 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2007
96401111 16783715 22137 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance Federal Compliance Compliance open 2 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
96401111 16783716 2645 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2009
96401111 16783717 3366 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2009
96401111 16783718 611 XXX UTD UTD UTD 2/XX/2006 PA $XXX Loan Review Complete 10/30/2018 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 2/XX/2009
96401112 18507935 7027 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401112 18507936 5434 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401112 18507937 6514 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401112 18507938 5437 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401112 18507939 6509 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401112 18507940 1277 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401112 18507941 1326 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401112 18507942 18362 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401112 18507943 1974 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance State Compliance Compliance open 2 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.
96401112 18507944 1977 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance State Compliance Compliance open 2 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.
96401112 18507945 6589 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96401112 18507950 2633 XXX Refinance Rate/Term Primary 5/XX/2012 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 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. 5/XX/2013
96401109 18546418 2834 XXX Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 03/19/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401109 18546419 6568 XXX Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 03/19/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Due On Sale Clause, Homestead Exemption Waiver
96401109 18546420 6555 XXX Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 03/19/2020 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96401109 18546421 5304 XXX Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 03/19/2020 Compliance Federal Compliance Compliance open 2 (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.
96401109 18546422 2642 XXX Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 03/19/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2010
96401109 18546423 5010 XXX Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 03/19/2020 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 1/XX/2010
96401109 18546424 20780 XXX Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 03/19/2020 Compliance Federal Compliance Compliance open 2 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.
96401110 19899221 2922 XXX Refinance Rate/Term Primary 8/XX/2013 MI $XXX Loan Review Complete 09/17/2017 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2013
96401110 19899222 1974 XXX Refinance Rate/Term Primary 8/XX/2013 MI $XXX Loan Review Complete 09/17/2017 Compliance State Compliance Compliance open 2 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.
96401110 19899223 1977 XXX Refinance Rate/Term Primary 8/XX/2013 MI $XXX Loan Review Complete 09/17/2017 Compliance State Compliance Compliance open 2 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.
96401110 19899226 6589 XXX Refinance Rate/Term Primary 8/XX/2013 MI $XXX Loan Review Complete 09/17/2017 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96401110 19899228 7114 XXX Refinance Rate/Term Primary 8/XX/2013 MI $XXX Loan Review Complete 09/17/2017 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Not Provided Timely RESPA: Initial escrow account statement was not provided to the borrower at closing.
96401110 19899231 2641 XXX Refinance Rate/Term Primary 8/XX/2013 MI $XXX Loan Review Complete 09/17/2017 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 8/XX/2016
96401939 20432020 7027 XXX Refinance Cash-out - Other Primary 11/XX/2004 PA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401939 20432021 2641 XXX Refinance Cash-out - Other Primary 11/XX/2004 PA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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 $195.13. TIL Itemization does not reflect CPL of $35.00, tax cert fee of $65.00, courier fee of $60.00, or wire fee of $20.00 as prepaid finance charges 11/XX/2007
96401535 20431832 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 AL $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401535 20431833 2645 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 AL $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2005
96401794 20435136 2816 XXX Purchase Primary 6/XX/2009 FL $XXX Loan Review Complete 04/06/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Case Number Assignment not provided
96401794 20435391 29149 XXX Purchase Primary 6/XX/2009 FL $XXX Loan Review Complete 04/06/2021 Disclosure Missing Document Credit open 3 FHA Informed Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)
96401794 20435461 5445 XXX Purchase Primary 6/XX/2009 FL $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401794 20435462 6580 XXX Purchase Primary 6/XX/2009 FL $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401794 20461405 3365 XXX Purchase Primary 6/XX/2009 FL $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 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. 6/XX/2010
96401794 20461424 613 XXX Purchase Primary 6/XX/2009 FL $XXX Loan Review Complete 04/06/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties TIL appears to be final but not signed nor initialed by borrower. 6/XX/2010
96401940 20435263 4211 XXX UTD UTD UTD $XXX Loan Review Complete 07/08/2021 Loan Package Documentation Closing / Title Credit open 3 Title: Evidence of title is missing
96401940 20435296 3829 XXX UTD UTD UTD $XXX Loan Review Complete 07/08/2021 Loan Package Documentation Loan File Compliance open 3 (Missing Doc) Incomplete loan images/file The file contains only post closing documentation.
96401968 20437433 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 CO $XXX Loan Review Complete 04/06/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401968 20438107 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 CO $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401968 20438108 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 CO $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401968 20438109 25677 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 CO $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401968 20438111 1469 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 CO $XXX Loan Review Complete 04/06/2021 Compliance State Compliance Compliance open 2 Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. 3/XX/2009
96401968 20438112 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 CO $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2011
96401633 20439558 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/1994 MO $XXX Loan Review Complete 04/06/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401633 20439958 3934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/1994 MO $XXX Loan Review Complete 04/06/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401633 20440075 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/1994 MO $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1994 used as disbursement date for compliance testing.
96401633 20440076 25686 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/1994 MO $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 11/XX/1995
96401633 20440077 6302 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/1994 MO $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/1995
96401633 20440078 2642 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/1994 MO $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/1994, prior to three (3) business days from transaction date of 11/XX/1994. 11/XX/1997
96401795 20441081 1268 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/1999 FL $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401795 20441082 25677 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/1999 FL $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401795 20441083 2641 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/1999 FL $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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. 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. 5/XX/2002
96401795 20441095 6568 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/1999 FL $XXX Loan Review Complete 04/06/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401213 20441063 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 IN $XXX Loan Review Complete 04/06/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401213 20441207 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 IN $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401213 20441208 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 IN $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401213 20441209 25677 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 IN $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401213 20441210 2641 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 IN $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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. Disclosed payment on note does not correspond with the loan amount, loan term, and interest rate on the loan. 8/XX/2011
96401213 20441211 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 IN $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2011
96402100 20443322 7027 XXX Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96402100 20443323 1268 XXX Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96402100 20443324 25677 XXX Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96402100 20443325 25685 XXX Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 04/06/2021 Compliance State Compliance Compliance open 2 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.
96402070 20444324 1159 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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%).
96402070 20444327 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96402070 20444329 25677 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96402070 20444332 23495 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96402070 20444344 6302 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2008
96402071 20444119 3934 XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 04/06/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402071 20444169 7027 XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96402071 20444170 3366 XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2005
96401442 20444953 2798 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401442 20445067 4967 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401442 20445077 3934 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401442 20445079 18330 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96401442 20445146 20780 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401442 20445147 6579 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 3 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.
96401442 20445148 7028 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401442 20445149 23038 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96401442 20445150 25686 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 10/XX/1997
96401442 20445151 6302 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/1997
96401442 20445153 2645 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/1999
96401442 20445154 3366 XXX UTD UTD UTD 10/XX/1996 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 10/XX/1999
96401486 20445547 7027 XXX Purchase Primary 7/XX/1994 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401486 20445548 25688 XXX Purchase Primary 7/XX/1994 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 7/XX/1995
96401486 20445549 6306 XXX Purchase Primary 7/XX/1994 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 7/XX/1995
96401486 20465776 2641 XXX Purchase Primary 7/XX/1994 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 7/XX/1995
96402035 20445280 2864 XXX Refinance Rate/Term Primary 7/XX/2005 NJ $XXX Loan Review Complete 04/06/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96402035 20446172 7027 XXX Refinance Rate/Term Primary 7/XX/2005 NJ $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96402035 20446178 23495 XXX Refinance Rate/Term Primary 7/XX/2005 NJ $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2006
96402035 20446179 2642 XXX Refinance Rate/Term Primary 7/XX/2005 NJ $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96402035 20446180 2647 XXX Refinance Rate/Term Primary 7/XX/2005 NJ $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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). 7/XX/2008
96401941 20448996 7027 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401941 20448997 6302 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2006
96401941 20448998 28240 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 (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/XX/2008
96401941 20448999 5010 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 2/XX/2008
96401941 20465815 2641 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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. TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects
$XXX.		 2/XX/2008
96401515 20448254 7027 XXX Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401515 20448387 24490 XXX Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401694 20450764 7027 XXX Purchase Primary 8/XX/2005 WA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401694 20450765 25677 XXX Purchase Primary 8/XX/2005 WA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401694 20466895 6568 XXX Purchase Primary 8/XX/2005 WA $XXX Loan Review Complete 04/06/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96402024 20451157 7027 XXX Purchase Primary 10/XX/2004 GA $XXX Loan Review Complete 04/06/2021 Compliance Federal Compliance Compliance open 2 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.
96401441 20349098 1058 XXX Purchase Primary 1/XX/2006 TX $XXX Loan Review Complete 08/23/2016 Compliance Federal Compliance Compliance open 2 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401441 20349109 855 XXX Purchase Primary 1/XX/2006 TX $XXX Loan Review Complete 08/23/2016 Loan Package Documentation Application / Processing Credit open 3 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
96401441 20349116 3366 XXX Purchase Primary 1/XX/2006 TX $XXX Loan Review Complete 08/23/2016 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Truth in Lending Act: Final TIL was not provided to the borrower. 1/XX/2007
96402014 20349090 1327 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 08/19/2015 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96402014 20349091 1271 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 08/19/2015 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96402014 20349092 1058 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 08/19/2015 Compliance Federal Compliance Compliance open 2 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401511 20349131 2798 XXX Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 08/26/2016 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401511 20349134 5861 XXX Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 08/26/2016 Compliance Federal Compliance Compliance open 2 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 7 month lookback was used to determine this application date.
96401746 20349129 1058 XXX Refinance Cash-out - Other Primary 8/XX/2009 FL $XXX Loan Review Complete 03/04/2016 Compliance Federal Compliance Compliance open 2 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401746 20349132 2645 XXX Refinance Cash-out - Other Primary 8/XX/2009 FL $XXX Loan Review Complete 03/04/2016 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2012
96401408 20349130 4967 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 PA $XXX Loan Review Complete 01/19/2016 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401408 20349138 6515 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 PA $XXX Loan Review Complete 03/07/2017 Compliance Federal Compliance Compliance open 2 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.
96401271 20349199 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 LA $XXX Loan Review Complete 05/31/2017 Compliance Federal Compliance Compliance open 2 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.
96401271 20349200 1270 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 LA $XXX Loan Review Complete 05/31/2017 Compliance Federal Compliance Compliance open 2 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.
96401243 20349228 2798 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401243 20349229 6579 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Compliance Federal Compliance Compliance open 3 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.
96401243 20349230 7028 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Compliance Federal Compliance Compliance open 2 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/1997 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/1996. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
96401243 20349231 6301 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 3/XX/1998
96401243 20349232 6302 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/1998
96401243 20349233 2645 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2000
96401243 20349234 3366 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2000
96401243 20349235 4967 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401243 20349236 4912 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Loan Package Documentation Closing / Title Credit open 1 Final Title Policy is missing. No evidence of title was found in file.
96401243 20349237 3934 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401243 20349238 17815 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Missing Document General Credit open 3 Incomplete Document: Note - Subject Lien is incomplete Only page 1 of note in file
96401243 20349239 5313 XXX Refinance Cash-out - Other Primary 3/XX/1997 MI $XXX Loan Review Complete 08/01/2017 Compliance Federal Compliance Compliance open 3 (Missing Data) Late Charge Late Charge Type was not provided. Any applicable Federal, State or Local compliance testing is unreliable. Only page 1 of Note in file. Unable to verify Late Charge.
96401969 20349250 2798 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401969 20349251 4967 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401969 20349252 3934 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401969 20349253 20780 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance Federal Compliance Compliance cleared 05/01/2018 1 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 Comment (2018-05-01): Client provided copy of final HUD-1. Exception cleared.
96401969 20349254 6579 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance Federal Compliance Compliance cleared 05/01/2018 1 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 Comment (2018-05-01): Client provided copy of final HUD-1. Exception cleared.
96401969 20349255 7028 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance Federal Compliance Compliance cleared 05/01/2018 1 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 Comment (2018-05-01): Client provided copy of final HUD-1. Exception changed to one with fees.
96401969 20349256 23038 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96401969 20349257 6531 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance cured 07/17/2018 2 (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 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.
96401969 20349258 6231 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance open 3 (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
96401969 20349259 5895 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance cured 07/17/2018 2 (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 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.
96401969 20349260 2420 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance cured 07/17/2018 2 (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 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.
96401969 20349261 2422 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance cured 07/17/2018 2 (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 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.
96401969 20349262 6533 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance cured 07/17/2018 2 (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 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.
96401969 20349263 6524 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance cured 07/17/2018 2 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. Reviewer Comment (2018-07-17): 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.
96401969 20349264 7433 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance cured 07/17/2018 2 (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 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.
96401969 20349265 22993 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance cleared 05/01/2018 1 (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 Comment (2018-05-01): Client provided copy of final HUD-1. Exception cleared.
96401969 20349266 23005 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance open 3 (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.
96401969 20349267 22995 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance open 3 (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.
96401969 20349268 2645 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2011
96401969 20349269 3366 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2011
96401969 20349270 23008 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance open 3 (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.
96401969 20349271 23001 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 04/19/2018 Compliance State Compliance Compliance open 3 (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.
96401969 20349272 7027 XXX Refinance Cash-out - Other Primary 7/XX/2008 TX $XXX Loan Review Complete 05/01/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 01/XX/2008.
96401879 20349382 2798 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401879 20349383 2831 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Mortgage Insurance Certificate not provided
96401879 20349384 2834 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401879 20349385 2843 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Government Documentation Credit open 3 Missing Document: HUD/VA 92900-A not provided
96401879 20349386 4922 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit open 3 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
96401879 20349387 4967 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401879 20349388 3934 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401879 20349389 23092 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 FHA MIP Document Error Compliance open_unable_to_clear 06/05/2018 3 Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. Reviewer Comment (2018-06-05): Per Seller – Agree, missing HUD-1
96401879 20349390 20780 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance open 2 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.
96401879 20349391 6579 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance open_unable_to_clear 06/05/2018 3 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 Comment (2018-06-05): Per Seller – Agree, missing HUD-1
96401879 20349392 7028 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance open 2 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.
96401879 20349393 3366 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2009
96401879 20349394 22724 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Government Documentation Credit open 3 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents)
96401879 20349395 22726 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Government Documentation Credit open 3 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)
96401879 20349396 2816 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Case Number Assignment not provided
96401879 20349397 6580 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance open 2 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.
96401880 20349415 2798 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401880 20349416 2816 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Case Number Assignment not provided
96401880 20349417 2831 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Mortgage Insurance Certificate not provided
96401880 20349418 2843 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Government Documentation Credit open 3 Missing Document: HUD/VA 92900-A not provided
96401880 20349419 5445 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401880 20349420 20780 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance cleared 06/05/2018 1 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 Comment (2018-06-05): Received Final HUD-1, exception cleared
96401880 20349421 6580 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance open 2 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.
96401880 20349422 6579 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance cleared 06/05/2018 1 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 Comment (2018-06-05): Received Final HUD-1, exception cleared
96401880 20349423 7028 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance cleared 06/05/2018 1 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 Comment (2018-06-05): Received Final HUD-1, exception cleared
96401880 20349424 3366 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2010
96401880 20349425 3934 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401880 20349426 22724 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Government Documentation Credit cleared 06/05/2018 1 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents) Reviewer Comment (2018-06-05): Received proof of REO, exception cleared
96401880 20349427 22726 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Government Documentation Credit cleared 06/05/2018 1 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents) Reviewer Comment (2018-06-05): Received proof of REO, exception cleared
96401880 20349428 7027 XXX Purchase Primary 3/XX/2009 GA $XXX Loan Review Complete 06/05/2018 Compliance Federal Compliance Compliance open 2 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.
96401407 20349551 2798 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401407 20349552 4967 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401407 20349553 3934 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401407 20349554 21910 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Loan Package Documentation Application / Processing Credit open 3 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
96401407 20349555 5445 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401407 20349556 20780 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Compliance Federal Compliance Compliance cleared 06/06/2018 1 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 Comment (2018-06-06): Final HUD-1 provided for review. Exception cleared.
96401407 20349557 6579 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Compliance Federal Compliance Compliance cleared 06/06/2018 1 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 Comment (2018-06-06): Final HUD-1 provided for review. Exception cleared.
96401407 20349558 7028 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Compliance Federal Compliance Compliance cleared 06/06/2018 1 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 Comment (2018-06-06): Final HUD-1 provided for review. Exception cleared.
96401407 20349559 23038 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96401407 20349560 6301 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 8/XX/2008
96401407 20349561 6302 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2008
96401407 20349562 2645 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2010
96401407 20349563 3366 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2018 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2010
96401407 20349564 7027 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/06/2018 Compliance Federal Compliance Compliance open 2 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.
96401314 20349611 2798 XXX Refinance Rate/Term Primary 5/XX/2003 CT $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401314 20349612 855 XXX Refinance Rate/Term Primary 5/XX/2003 CT $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit open 3 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 02/XX/2003 
Disaster End Date: 11/XX/2012
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2012
96401314 20349613 3934 XXX Refinance Rate/Term Primary 5/XX/2003 CT $XXX Loan Review Complete 05/25/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401314 20349614 5278 XXX Refinance Rate/Term Primary 5/XX/2003 CT $XXX Loan Review Complete 05/25/2018 Legal / Regulatory / Compliance Title / Lien Defect Compliance open 2 (Doc Error) Loan was portrayed as first lien but found to be a second lien Note indicates loan is a secondary mortgage
96401314 20349615 20780 XXX Refinance Rate/Term Primary 5/XX/2003 CT $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance open 2 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.
96401314 20349616 2642 XXX Refinance Rate/Term Primary 5/XX/2003 CT $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance open 2 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. 5/XX/2006
96401494 20349626 2798 XXX Refinance Rate/Term Primary 6/XX/2003 NY $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401494 20349627 2834 XXX Refinance Rate/Term Primary 6/XX/2003 NY $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401494 20349628 5304 XXX Refinance Rate/Term Primary 6/XX/2003 NY $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance open 2 (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.
96401494 20349629 6576 XXX Refinance Rate/Term Primary 6/XX/2003 NY $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance open_unable_to_clear 06/10/2018 3 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 Comment (2018-06-10): Seller agrees with findings.
96401494 20349630 7027 XXX Refinance Rate/Term Primary 6/XX/2003 NY $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance open 2 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.
96401494 20349631 1270 XXX Refinance Rate/Term Primary 6/XX/2003 NY $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance open 2 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.
96401494 20349632 21706 XXX Refinance Rate/Term Primary 6/XX/2003 NY $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%.
96401494 20349633 2642 XXX Refinance Rate/Term Primary 6/XX/2003 NY $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance open 2 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. 6/XX/2006
96401494 20349634 4967 XXX Refinance Rate/Term Primary 6/XX/2003 NY $XXX Loan Review Complete 05/25/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401494 20349635 20780 XXX Refinance Rate/Term Primary 6/XX/2003 NY $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance open 2 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.
96401495 20349636 2296 XXX Purchase Primary 12/XX/2008 RI $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance open 3 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 Comment (2018-06-10): Disagree. Clayton passed all tests.

Reviewer 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.
96401495 20349637 2305 XXX Purchase Primary 12/XX/2008 RI $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance open 3 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 Comment (2018-06-10): Disagree. Clayton passed all tests.

Reviewer 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.
96401495 20349638 2313 XXX Purchase Primary 12/XX/2008 RI $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance open 3 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 Comment (2018-06-10): Disagree. Clayton passed all tests.

Reviewer 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.
96401495 20349639 5445 XXX Purchase Primary 12/XX/2008 RI $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96402013 20349676 4922 XXX Refinance Rate/Term Primary 3/XX/2009 NJ $XXX Loan Review Complete 05/21/2018 Loan Package Documentation Application / Processing Credit open 3 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
96402013 20349677 3934 XXX Refinance Rate/Term Primary 3/XX/2009 NJ $XXX Loan Review Complete 05/21/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402013 20349678 2641 XXX Refinance Rate/Term Primary 3/XX/2009 NJ $XXX Loan Review Complete 05/21/2018 Compliance Federal Compliance Compliance open 2 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. payment is off after 12 installments 3/XX/2012
96401346 20349734 5445 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 OH $XXX Loan Review Complete 05/24/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401214 20349763 2798 XXX Refinance Rate/Term Primary 12/XX/2002 NY $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401214 20349764 2834 XXX Refinance Rate/Term Primary 12/XX/2002 NY $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401214 20349765 4922 XXX Refinance Rate/Term Primary 12/XX/2002 NY $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit open 3 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
96401214 20349766 4967 XXX Refinance Rate/Term Primary 12/XX/2002 NY $XXX Loan Review Complete 05/25/2018 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401214 20349767 3934 XXX Refinance Rate/Term Primary 12/XX/2002 NY $XXX Loan Review Complete 05/25/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401214 20349768 23933 XXX Refinance Rate/Term Primary 12/XX/2002 NY $XXX Loan Review Complete 05/25/2018 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96401214 20349771 7027 XXX Refinance Rate/Term Primary 12/XX/2002 NY $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/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 06/XX/2002.
96401214 20349772 21706 XXX Refinance Rate/Term Primary 12/XX/2002 NY $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing Note late charge exceeds maximum per state.
96401214 20349774 2641 XXX Refinance Rate/Term Primary 12/XX/2002 NY $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance open 2 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 $308.89. DSI final payment variance 12/XX/2005
96401823 20349780 6576 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open_unable_to_clear 06/11/2018 3 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 Comment (2018-06-11): Per Seller - Agree, no stamped or executed copy of HUD
96401823 20349781 5429 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 801) Without Cure RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.
96401823 20349782 1294 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401823 20349783 1313 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 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.
96401823 20349784 1325 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.
96401823 20349785 1327 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open_unable_to_clear 06/11/2018 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. Reviewer Comment (2018-06-11): Per Seller- Agree
96401823 20349786 2573 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 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. 3/XX/2014
96401823 20349787 2574 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 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. 3/XX/2014
96401823 20349788 2575 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 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. 3/XX/2014
96401823 20349789 2579 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 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. 3/XX/2014
96401823 20349790 2580 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 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. 3/XX/2014
96401823 20349791 2581 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 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. 3/XX/2014
96401823 20349792 6299 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. 3/XX/2012
96401823 20349793 6301 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information. 3/XX/2012
96401823 20349794 2834 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401823 20349795 5440 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401823 20349796 1284 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 RESPA (2010) - First Change Date on GFE Inaccurate RESPA (2010): First Change Date on GFE does not match First Change Date on Note.
96401823 20349797 2568 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 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. 3/XX/2012
96401823 20349798 2576 XXX Refinance Rate/Term Primary 3/XX/2011 WI $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance open 2 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. 3/XX/2014
96401634 20349808 5445 XXX Refinance Rate/Term Primary 4/XX/2012 PA $XXX Loan Review Complete 09/11/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401634 20349809 1274 XXX Refinance Rate/Term Primary 4/XX/2012 PA $XXX Loan Review Complete 09/11/2018 Compliance Federal Compliance Compliance open 2 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.
96401634 20349811 2587 XXX Refinance Rate/Term Primary 4/XX/2012 PA $XXX Loan Review Complete 09/11/2018 Compliance Federal Compliance Compliance open 2 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. 4/XX/2015
96401634 20349813 2591 XXX Refinance Rate/Term Primary 4/XX/2012 PA $XXX Loan Review Complete 09/11/2018 Compliance Federal Compliance Compliance open 2 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. 4/XX/2015
96401634 20349815 2641 XXX Refinance Rate/Term Primary 4/XX/2012 PA $XXX Loan Review Complete 09/11/2018 Compliance Federal Compliance Compliance open 2 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 $78.40. TIL itemization did not include $75 Closing protection letter in prepaid finance charges. 4/XX/2015
96401635 20349806 1270 XXX Purchase Primary 1/XX/2011 CA $XXX Loan Review Complete 09/11/2018 Compliance Federal Compliance Compliance open 2 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.
96401635 20349807 1271 XXX Purchase Primary 1/XX/2011 CA $XXX Loan Review Complete 09/11/2018 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401635 20349810 1327 XXX Purchase Primary 1/XX/2011 CA $XXX Loan Review Complete 09/11/2018 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. Reviewer Comment (2018-10-19): Servicing disclosure provided by lender, however it was provided at closing and not within 3 days of application. Exception remains.
96401635 20349812 5445 XXX Purchase Primary 1/XX/2011 CA $XXX Loan Review Complete 09/11/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401635 20349814 1326 XXX Purchase Primary 1/XX/2011 CA $XXX Loan Review Complete 09/11/2018 Compliance Federal Compliance Compliance open 2 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.
96401585 20349824 6568 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 10/11/2018 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401585 20349827 5445 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 10/11/2018 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401585 20349830 1268 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 10/11/2018 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401585 20349832 613 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 10/11/2018 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties TIL appears to be final but not signed nor initialed by borrower. 4/XX/2010
96401585 20349835 3365 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 10/11/2018 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 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. 4/XX/2010
96401585 20349836 22050 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 10/11/2018 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2010
96401586 20349839 2864 XXX Purchase Primary 9/XX/2002 PA $XXX Loan Review Complete 10/11/2018 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96402101 20349858 7027 XXX Refinance Cash-out - Other Primary 3/XX/2005 TN $XXX Loan Review Complete 10/11/2018 Compliance Federal Compliance Compliance open 2 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.
96402101 20349859 1268 XXX Refinance Cash-out - Other Primary 3/XX/2005 TN $XXX Loan Review Complete 10/11/2018 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96402101 20349860 1270 XXX Refinance Cash-out - Other Primary 3/XX/2005 TN $XXX Loan Review Complete 10/11/2018 Compliance Federal Compliance Compliance open 2 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.
96402101 20349861 23495 XXX Refinance Cash-out - Other Primary 3/XX/2005 TN $XXX Loan Review Complete 10/11/2018 Compliance Federal Compliance Compliance open 2 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. 3/XX/2006
96401747 20349862 3934 XXX Refinance Cash-out - Other Primary 9/XX/2005 UT $XXX Loan Review Complete 10/11/2018 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401747 20349863 5791 XXX Refinance Cash-out - Other Primary 9/XX/2005 UT $XXX Loan Review Complete 10/11/2018 Compliance Federal Compliance Compliance open 2 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.
96401747 20349864 7027 XXX Refinance Cash-out - Other Primary 9/XX/2005 UT $XXX Loan Review Complete 10/11/2018 Compliance Federal Compliance Compliance open 2 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.
96401371 20349899 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 FL $XXX Loan Review Complete 12/14/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401371 20349901 6568 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 FL $XXX Loan Review Complete 12/14/2018 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401371 20349903 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 FL $XXX Loan Review Complete 12/14/2018 Compliance Federal Compliance Compliance open 2 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 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2002.
96401371 20349905 2641 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 FL $XXX Loan Review Complete 12/14/2018 Compliance Federal Compliance Compliance open 2 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 $7,642.10. Bi-Weekly NegAm Loan. 8/XX/2005
96401537 20349934 1270 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 CA $XXX Loan Review Complete 12/14/2018 Compliance Federal Compliance Compliance open 2 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.
96401537 20349935 6302 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 CA $XXX Loan Review Complete 12/14/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2005
96401514 20349947 3365 XXX Purchase Primary 2/XX/2007 PA $XXX Loan Review Complete 12/14/2018 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 2/XX/2008
96401372 20349948 2641 XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 12/14/2018 Compliance Federal Compliance Compliance open 2 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. 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% 9/XX/2009
96401372 20349949 6302 XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 12/14/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2007
96401372 20349950 2642 XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 12/14/2018 Compliance Federal Compliance Compliance open 2 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. 9/XX/2009
96401372 20349951 2647 XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 12/14/2018 Compliance Federal Compliance Compliance open 2 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). 9/XX/2009
96401372 20349952 6299 XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 12/14/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. 9/XX/2007
96401719 20349974 2903 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 03/17/2019 Compliance Miscellaneous Compliance Compliance open 2 Missing Document: Right to Cancel (RTC) not provided 10/XX/2008
96401719 20349975 2834 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 03/17/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401719 20349976 3934 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 03/17/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401719 20349978 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 03/17/2019 Compliance Federal Compliance Compliance open 2 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.
96401719 20349979 2645 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 03/17/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/2008
96401610 20349981 2834 XXX Refinance Rate/Term Primary 3/XX/2000 NY $XXX Loan Review Complete 03/17/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401610 20349983 20780 XXX Refinance Rate/Term Primary 3/XX/2000 NY $XXX Loan Review Complete 03/17/2019 Compliance Federal Compliance Compliance open 2 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.
96401610 20349984 25677 XXX Refinance Rate/Term Primary 3/XX/2000 NY $XXX Loan Review Complete 03/17/2019 Compliance Federal Compliance Compliance open 2 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.
96401610 20349985 22050 XXX Refinance Rate/Term Primary 3/XX/2000 NY $XXX Loan Review Complete 03/17/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2003
96401610 20349986 2642 XXX Refinance Rate/Term Primary 3/XX/2000 NY $XXX Loan Review Complete 03/17/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2003
96401610 20349987 4929 XXX Refinance Rate/Term Primary 3/XX/2000 NY $XXX Loan Review Complete 03/17/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2003
96401610 20349988 611 XXX Refinance Rate/Term Primary 3/XX/2000 NY $XXX Loan Review Complete 03/17/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 3/XX/2003
96401610 20349989 6577 XXX Refinance Rate/Term Primary 3/XX/2000 NY $XXX Loan Review Complete 03/17/2019 Compliance Federal Compliance Compliance open 3 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. HUD in file has a stamp over the 800 fee section. Unable to determine if additional fees are on HUD other than those visible.
96402102 20349991 25500 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 VA $XXX Loan Review Complete 03/17/2019 Compliance State Compliance Compliance open 2 Virginia Prepayment Penalty Virginia Prepayment Penalty: Prepayment penalty not permissible by state law.
96402102 20349992 5681 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 VA $XXX Loan Review Complete 03/17/2019 Compliance State Compliance Compliance open 2 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.
96401272 20350000 7027 XXX Refinance Rate/Term Primary 12/XX/2011 NY $XXX Loan Review Complete 01/21/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 09/XX/2011.
96401272 20350001 1277 XXX Refinance Rate/Term Primary 12/XX/2011 NY $XXX Loan Review Complete 01/21/2019 Compliance Federal Compliance Compliance open 2 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.
96401272 20350002 18362 XXX Refinance Rate/Term Primary 12/XX/2011 NY $XXX Loan Review Complete 01/21/2019 Compliance Federal Compliance Compliance open 2 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.
96401272 20350003 21706 XXX Refinance Rate/Term Primary 12/XX/2011 NY $XXX Loan Review Complete 01/21/2019 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceed the 2% maximum per state(NY).
96401272 20350004 2633 XXX Refinance Rate/Term Primary 12/XX/2011 NY $XXX Loan Review Complete 01/21/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2012
96401272 20350005 2644 XXX Refinance Rate/Term Primary 12/XX/2011 NY $XXX Loan Review Complete 01/21/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2014
96401658 20350028 7027 XXX Refinance Rate/Term Primary 10/XX/2003 OH $XXX Loan Review Complete 04/16/2019 Compliance Federal Compliance Compliance open 2 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 06/XX/2003.
96401658 20350029 25677 XXX Refinance Rate/Term Primary 10/XX/2003 OH $XXX Loan Review Complete 04/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401658 20350030 25806 XXX Refinance Rate/Term Primary 10/XX/2003 OH $XXX Loan Review Complete 04/16/2019 Compliance State Compliance Compliance open 2 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)
96401587 20350031 7027 XXX Purchase Primary 11/XX/2009 CA $XXX Loan Review Complete 04/16/2019 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 07/XX/2009.
96401587 20350032 25677 XXX Purchase Primary 11/XX/2009 CA $XXX Loan Review Complete 04/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401587 20350033 2633 XXX Purchase Primary 11/XX/2009 CA $XXX Loan Review Complete 04/16/2019 Compliance Federal Compliance Compliance open 2 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. 11/XX/2010
96401587 20350034 25686 XXX Purchase Primary 11/XX/2009 CA $XXX Loan Review Complete 04/16/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 11/XX/2010
96401587 20350035 6302 XXX Purchase Primary 11/XX/2009 CA $XXX Loan Review Complete 04/16/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2010
96401473 20350046 6223 XXX Refinance Cash-out - Other Primary 10/XX/2007 ID $XXX Loan Review Complete 04/16/2019 Compliance State Compliance Compliance open 2 Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.
96401443 20350098 25158 XXX Purchase Primary 5/XX/2009 NY $XXX Loan Review Complete 11/13/2019 Compliance Federal Compliance Compliance open 2 (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.
96401409 20350140 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 OH $XXX Loan Review Complete 11/13/2019 Compliance Federal Compliance Compliance open 2 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.
96401409 20350142 25677 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 OH $XXX Loan Review Complete 11/13/2019 Compliance Federal Compliance Compliance open 2 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.
96401409 20350143 2212 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 OH $XXX Loan Review Complete 11/13/2019 Compliance State Compliance Compliance open 2 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.
96402135 20350202 3934 XXX Purchase Primary 11/XX/2005 OH $XXX Loan Review Complete 11/15/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402135 20350203 7027 XXX Purchase Primary 11/XX/2005 OH $XXX Loan Review Complete 11/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402135 20350204 25677 XXX Purchase Primary 11/XX/2005 OH $XXX Loan Review Complete 11/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402135 20350205 20780 XXX Purchase Primary 11/XX/2005 OH $XXX Loan Review Complete 11/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401348 20350207 5791 XXX Purchase Primary 2/XX/2009 NJ $XXX Loan Review Complete 11/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402036 20350210 611 XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 11/15/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 7/XX/2008
96402036 20350211 5445 XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 11/15/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96402036 20350212 1268 XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 11/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96402036 20350213 3365 XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 11/15/2019 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 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. 7/XX/2008
96402037 20350314 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402037 20350315 2834 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96402037 20350319 4967 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 11/20/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96402037 20350320 5304 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 (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.
96402037 20350323 1268 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96402037 20350324 25677 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96402037 20350325 2646 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2010
96402037 20350327 22134 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. Documents were not signed. 3/XX/2010
96402037 20350328 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96402037 20350329 23933 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 11/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file. File does not contain either Preliminary or Final Title.
96401373 20350343 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401373 20350344 2834 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401373 20350345 4967 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Property - Appraisal General Appraisal Requirements Compliance cleared 12/10/2019 1 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 Comment (2019-12-10): Appraisal provided. Exception cleared.
96401373 20350346 3934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Compliance Miscellaneous Compliance Compliance cleared 12/10/2019 1 (Doc Error) Initial GFE not provided Reviewer Comment (2019-12-10): Initial GFE provided. Exception cleared.
96401373 20350347 23933 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit cleared 12/10/2019 1 Final Title Policy is missing. No evidence of title in file. File does not contain either Preliminary or Final Title. Reviewer Comment (2019-12-10): Final Title Policy located in file. Exception cleared.
96401373 20350348 23092 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 FHA MIP Document Error Compliance cleared 12/10/2019 1 Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. Reviewer Comment (2019-12-10): Final HUD-1 provided with FHA MIP details.
96401373 20350349 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Compliance Federal Compliance Compliance cleared 12/10/2019 1 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 Comment (2019-12-10): Final HUD-1 provided. Exception cleared.
96401373 20350350 6580 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401373 20350351 5304 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Compliance Federal Compliance Compliance open 2 (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.
96401373 20350352 6579 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Compliance Federal Compliance Compliance cleared 12/10/2019 1 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 Comment (2019-12-10): Final HUD-1 provided. Exception cleared.
96401373 20350353 7028 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Compliance Federal Compliance Compliance cleared 12/10/2019 1 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 Comment (2019-12-10): Final HUD-1 provided. Exception replaced with one with fees tested.
96401373 20350354 2336 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Compliance State Compliance Compliance open 2 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. 11/XX/2014
96401373 20350355 25686 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Compliance Federal Compliance Compliance cleared 12/10/2019 1 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 11/XX/2009 Reviewer Comment (2019-12-10): ARM Disclosure provided. Exception cleared.
96401373 20350356 6302 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2009
96401373 20350357 2645 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 11/XX/2011
96401373 20350358 3366 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 11/22/2019 Compliance Federal Compliance Compliance cleared 12/10/2019 1 TILA - Final TIL Missing Missing Final TIL. 11/XX/2011 Reviewer Comment (2019-12-10): Final TIL provided. Exception cleared.
96401373 20350359 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 12/10/2019 Compliance Federal Compliance Compliance open 2 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.
96401373 20350360 1268 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 12/10/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401373 20350361 25677 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 12/10/2019 Compliance Federal Compliance Compliance open 2 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.
96401373 20350362 25688 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 12/10/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 11/XX/2009
96401410 20350371 2798 XXX Purchase Primary 12/XX/2000 PA $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401410 20350372 4967 XXX Purchase Primary 12/XX/2000 PA $XXX Loan Review Complete 11/20/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401410 20350373 3934 XXX Purchase Primary 12/XX/2000 PA $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401410 20350374 23092 XXX Purchase Primary 12/XX/2000 PA $XXX Loan Review Complete 11/20/2019 FHA MIP Document Error Compliance open 3 Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.
96401410 20350375 20780 XXX Purchase Primary 12/XX/2000 PA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401410 20350376 6580 XXX Purchase Primary 12/XX/2000 PA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401410 20350377 6579 XXX Purchase Primary 12/XX/2000 PA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 3 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.
96401410 20350378 7028 XXX Purchase Primary 12/XX/2000 PA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401410 20350379 3366 XXX Purchase Primary 12/XX/2000 PA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2001
96401661 20350394 23495 XXX Purchase Primary 9/XX/2004 GA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2005
96401661 20350395 23494 XXX Purchase Primary 9/XX/2004 GA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2005
96401660 20350396 2798 XXX Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401660 20350397 7027 XXX Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401660 20350398 22866 XXX Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 (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. 9/XX/2008
96401660 20350399 25677 XXX Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401660 20350400 21691 XXX Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 11/20/2019 Compliance State Compliance Compliance open 2 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.
96401660 20350401 4967 XXX Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 11/20/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401660 20350402 23933 XXX Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 11/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96401273 20350413 2798 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401273 20350414 2834 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401273 20350416 3934 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401273 20350417 23933 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file. File does not contain either Preliminary or Final Title
96401273 20350420 5780 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance open 2 Initial TIL not provided 1/XX/2009
96401273 20350421 4697 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Closing / Title Compliance open 2 TILA - Final TIL Missing 1/XX/2011
96401273 20350422 20780 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401273 20350423 6579 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 3 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.
96401273 20350424 7028 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401273 20350425 5334 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 (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.
96401273 20350426 3366 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2011
96401273 20350427 4967 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401273 20350428 2645 XXX Refinance UTD Primary 1/XX/2008 VA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2011
96401881 20350469 2798 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401881 20350471 2834 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401881 20350472 4967 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401881 20350473 3934 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401881 20350474 23933 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file. File does not contain either Preliminary or Final Title.
96401881 20350475 20780 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance cleared 12/18/2019 1 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 Comment (2019-12-18): Missing on HUD and settlement agents closing docs
96401881 20350476 5304 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance open 2 (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.
96401881 20350477 6579 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance cleared 12/18/2019 1 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 Comment (2019-12-18): Missing on HUD and settlement agents closing docs
96401881 20350478 7028 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance open 2 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.
96401881 20350479 22137 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance open 2 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
96401881 20350480 2645 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2006
96401881 20350481 3366 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2006
96401881 20350483 2876 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 11/25/2019 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Security Instrument - Subject Lien not provided
96401881 20350485 7027 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 12/18/2019 Compliance Federal Compliance Compliance open 2 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.
96401881 20350486 1267 XXX Refinance Rate/Term Primary 7/XX/2003 CO $XXX Loan Review Complete 12/18/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96401215 20350482 2798 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401215 20350484 2834 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401215 20350489 5445 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401215 20350493 5304 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 (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.
96401215 20350495 7027 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401215 20350497 2645 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2010
96401215 20350502 3366 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2010
96401215 20350503 4967 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 11/20/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401215 20350504 3934 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401215 20350505 1267 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96401637 20350506 4697 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Closing / Title Compliance open 2 TILA - Final TIL Missing 8/XX/2005
96401637 20350507 2798 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401637 20350508 2876 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Security Instrument - Subject Lien not provided
96401637 20350509 2834 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401637 20350510 20780 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401637 20350511 5304 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 (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.
96401637 20350512 6579 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance cleared 12/18/2019 1 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 Comment (2019-12-18): Received Final HUD, exception cleared
96401637 20350513 7028 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401637 20350514 23038 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance cleared 12/18/2019 1 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 Comment (2019-12-18): Property inspection in file evidenced SFD
96401637 20350515 25686 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 8/XX/2005
96401637 20350516 6302 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2005
96401637 20350517 22137 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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
96401637 20350518 2645 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2005
96401637 20350519 3366 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2005
96401637 20350520 4967 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401637 20350521 3934 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401637 20350522 18330 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance cleared 12/18/2019 1 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. Reviewer Comment (2019-12-18): Received Final HUD, exception cleared
96401637 20350523 23933 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 11/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file. File does not contain either preliminary or final title.
96401637 20350524 7027 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 12/18/2019 Compliance Federal Compliance Compliance open 2 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.
96401637 20350525 1267 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 12/18/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96401636 20350526 2798 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401636 20350527 2834 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401636 20350528 4967 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401636 20350529 3934 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401636 20350530 18330 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance cleared 12/19/2019 1 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. Reviewer Comment (2019-12-19): Received Final HUD, exception cleared
96401636 20350531 23933 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file. File does not contain either Preliminary or Final Title.
96401636 20350532 20780 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401636 20350533 5304 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 (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.
96401636 20350534 6579 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance cleared 12/19/2019 1 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 Comment (2019-12-19): Received Final HUD, exception cleared
96401636 20350535 7028 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401636 20350536 23038 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96401636 20350537 25686 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 4/XX/2007
96401636 20350538 6302 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2007
96401636 20350539 2645 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 4/XX/2009
96401636 20350540 3366 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 4/XX/2009
96401636 20350541 5445 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 12/19/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401636 20350542 7027 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 12/19/2019 Compliance Federal Compliance Compliance open 2 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.
96401636 20350543 1267 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 12/19/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96402105 20350602 2798 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402105 20350603 2876 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Security Instrument - Subject Lien not provided
96402105 20350604 2834 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96402105 20350605 4967 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96402105 20350606 3934 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402105 20350607 23933 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file. “File does not contain either Preliminary or Final Title”.
96402105 20350608 20780 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance cleared 12/11/2019 1 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 Comment (2019-12-11): Final HUD-1 provided. Exception cleared.
96402105 20350609 6579 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance cleared 12/11/2019 1 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 Comment (2019-12-11): Final HUD-1 provided. Exception cleared.
96402105 20350610 7028 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance cleared 12/11/2019 1 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 Comment (2019-12-11): Final HUD-1 provided. Exception replaced with one with fees tested.
96402105 20350611 26042 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350612 5895 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350613 2420 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350614 2422 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350615 7433 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350616 26259 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) Texas Constitution Section 50(a)(6): Notice of Right to Rescind Not Provided Reviewer Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350617 22995 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350618 22137 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance cleared 12/11/2019 1 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 Comment (2019-12-11): Final HUD-1 provided. Transaction is a purchase so RTC not applicable.
96402105 20350619 2645 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance cleared 12/11/2019 1 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2004 Reviewer Comment (2019-12-11): Final HUD-1 provided. Transaction is a purchase so RTC not applicable.
96402105 20350620 3366 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2004
96402105 20350621 5304 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance Federal Compliance Compliance open 2 (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.
96402105 20350622 6336 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350623 7450 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (TX50(a)(6)) and/or (TX50(t)) No Title in the loan file or Title indicates other lien(s) exist Texas Constitution Section 50(a)(6): Title, title search/report, or other documentation to verify additional liens against property not in file. Unable to conclusively determine compliance with 80% CLTV limitation. Reviewer Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350624 23001 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350625 23005 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350626 21636 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350627 18330 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96402105 20350628 23014 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350629 23007 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350630 23003 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350631 25574 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350632 22999 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 11/25/2019 Compliance State Compliance Compliance cleared 12/11/2019 1 (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 Comment (2019-12-11): Final HUD-1 provided. Loan is not subject to TX50(a)(6)
96402105 20350633 7027 XXX Purchase UTD 8/XX/2003 TX $XXX Loan Review Complete 12/11/2019 Compliance Federal Compliance Compliance open 2 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.
96402104 20350634 2798 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402104 20350635 2834 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96402104 20350636 4967 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 11/20/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96402104 20350637 3934 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402104 20350638 23933 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 11/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file. File does not contain either Preliminary of Final Title
96402104 20350639 20780 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance cleared 12/20/2019 1 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 Comment (2019-12-20): Received Final HUD-1, exception cleared.
96402104 20350640 5304 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 (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.
96402104 20350641 6579 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance cleared 12/20/2019 1 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 Comment (2019-12-20): Received Final HUD-1, exception cleared.
96402104 20350642 7028 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance cleared 12/20/2019 1 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 Comment (2019-12-20): Received Final HUD-1, exception cleared.
96402104 20350643 3366 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 11/XX/2007
96402104 20350644 7027 XXX Purchase Primary 11/XX/2006 NC $XXX Loan Review Complete 12/20/2019 Compliance Federal Compliance Compliance open 2 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.
96402138 20350674 2798 XXX Purchase Primary 10/XX/2002 PA $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402138 20350675 2834 XXX Purchase Primary 10/XX/2002 PA $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96402138 20350676 3934 XXX Purchase Primary 10/XX/2002 PA $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402138 20350677 5304 XXX Purchase Primary 10/XX/2002 PA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 (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.
96402138 20350678 7027 XXX Purchase Primary 10/XX/2002 PA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96402138 20350679 3366 XXX Purchase Primary 10/XX/2002 PA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 10/XX/2003
96402137 20350696 2798 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402137 20350697 2834 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 11/20/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96402137 20350698 3934 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402137 20350699 4967 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 11/20/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96402137 20350700 5445 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96402137 20350701 20780 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance cleared 12/27/2019 1 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 Comment (2019-12-27): Estimated HUD provided. Exception cleared.
96402137 20350702 6579 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance cleared 12/27/2019 1 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 Comment (2019-12-27): Estimated HUD provided. Exception cleared.
96402137 20350703 7028 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance cleared 12/27/2019 1 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 Comment (2019-12-27): Estimated HUD provided. Exception replaced one with fees.
96402137 20350704 2645 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance cleared 12/27/2019 1 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2009 Reviewer Comment (2019-12-27): Estimated HUD Provided. Purchase Transaction. Exception cleared.
96402137 20350705 3366 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2009
96402137 20350706 5304 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 (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.
96402137 20350707 6577 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 12/27/2019 Compliance Federal Compliance Compliance open 3 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.
96402137 20350708 7027 XXX Purchase Primary 12/XX/2008 AZ $XXX Loan Review Complete 12/27/2019 Compliance Federal Compliance Compliance open 2 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.
96401798 20350777 25677 XXX Purchase Primary 12/XX/2007 MI $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401798 20350778 7027 XXX Purchase Primary 12/XX/2007 MI $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401799 20350781 25677 XXX Refinance Cash-out - Other Primary 11/XX/2007 DC $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401799 20350782 25495 XXX Refinance Cash-out - Other Primary 11/XX/2007 DC $XXX Loan Review Complete 11/20/2019 Compliance State Compliance Compliance open 2 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.
96401349 20350786 4967 XXX Purchase Primary 3/XX/2001 VA $XXX Loan Review Complete 11/20/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401349 20350787 3934 XXX Purchase Primary 3/XX/2001 VA $XXX Loan Review Complete 11/20/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401349 20350788 7027 XXX Purchase Primary 3/XX/2001 VA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 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.
96401349 20350789 3366 XXX Purchase Primary 3/XX/2001 VA $XXX Loan Review Complete 11/20/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2002
96402143 20350824 1274 XXX Refinance Cash-out - Other Primary 11/XX/2013 NC $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96402143 20350837 1285 XXX Refinance Cash-out - Other Primary 11/XX/2013 NC $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96402143 20350841 1294 XXX Refinance Cash-out - Other Primary 11/XX/2013 NC $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96402143 20350845 22064 XXX Refinance Cash-out - Other Primary 11/XX/2013 NC $XXX Loan Review Complete 08/22/2019 Compliance State Compliance Compliance open 2 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Maximum late fee for state of NC is 4% for 15 days; subject transaction exceeded this at 5% for 15 days.
96401475 20350857 1274 XXX Refinance Rate/Term Primary 7/XX/2013 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401475 20350858 1303 XXX Refinance Rate/Term Primary 7/XX/2013 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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
96401477 20350859 2864 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401477 20350860 6509 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401477 20350861 1274 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401477 20350862 1277 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401477 20350863 1314 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate RESPA (2010): Interest Rate on Final HUD-1 does not match Note.
96401477 20350865 25677 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401477 20350866 1271 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401477 20350869 18362 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401477 20350871 2633 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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. 7/XX/2014
96401477 20350874 5434 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401477 20350875 6514 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401477 20350876 5437 XXX Purchase Primary 7/XX/2013 MN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401476 20350877 1274 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2013 IA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401476 20350878 4929 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2013 IA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2016
96401478 20350879 2864 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 08/22/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401478 20350880 2922 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 08/22/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 06/XX/2013
96401478 20350881 1274 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401478 20350882 1287 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401478 20350884 1294 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401479 20350892 2864 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 08/22/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401479 20350893 1274 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401479 20350894 25677 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401479 20350895 2641 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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 $357.01. TIL Itemization only disclosed origination charges in the amount of $350, however, final HUD reflects $707. 6/XX/2016
96401987 20350896 770 XXX Purchase Primary 6/XX/2013 CA $XXX Loan Review Complete 08/22/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401987 20350897 25158 XXX Purchase Primary 6/XX/2013 CA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 (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.
96401987 20350898 1274 XXX Purchase Primary 6/XX/2013 CA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401987 20350899 25677 XXX Purchase Primary 6/XX/2013 CA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401987 20350900 1271 XXX Purchase Primary 6/XX/2013 CA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401987 20350901 2641 XXX Purchase Primary 6/XX/2013 CA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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. TIL itemization did not disclose an origination fee of $655 and a tax service fee for $65 as prepaid finance charge. 6/XX/2014
96401988 20350906 1274 XXX Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401988 20350907 1277 XXX Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401988 20350908 1287 XXX Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401988 20350909 1294 XXX Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401988 20350910 2922 XXX Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/22/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401989 20350912 5791 XXX Purchase Primary 4/XX/2013 MD $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401989 20350913 25158 XXX Purchase Primary 4/XX/2013 MD $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 (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.
96401989 20350914 5430 XXX Purchase Primary 4/XX/2013 MD $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
96401989 20350915 1277 XXX Purchase Primary 4/XX/2013 MD $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401989 20350916 1271 XXX Purchase Primary 4/XX/2013 MD $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401989 20350917 18362 XXX Purchase Primary 4/XX/2013 MD $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401989 20350918 1859 XXX Purchase Primary 4/XX/2013 MD $XXX Loan Review Complete 08/22/2019 Compliance State Compliance Compliance open 2 Maryland Counseling Disclosure Not In File Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.
96401638 20350928 2922 XXX Refinance Rate/Term Primary 3/XX/2013 IA $XXX Loan Review Complete 08/22/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2013
96401638 20350929 25158 XXX Refinance Rate/Term Primary 3/XX/2013 IA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 (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.
96401638 20350930 1274 XXX Refinance Rate/Term Primary 3/XX/2013 IA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401638 20350931 1287 XXX Refinance Rate/Term Primary 3/XX/2013 IA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401638 20350932 1294 XXX Refinance Rate/Term Primary 3/XX/2013 IA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401638 20350933 1327 XXX Refinance Rate/Term Primary 3/XX/2013 IA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401638 20350934 3350 XXX Refinance Rate/Term Primary 3/XX/2013 IA $XXX Loan Review Complete 08/22/2019 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401824 20350963 6577 XXX Refinance Rate/Term Investment 1/XX/2013 CA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 3 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.
96401942 20350969 2800 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401942 20350971 613 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 12/XX/2015
96401942 20350972 3934 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401942 20350973 2922 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2012
96401942 20350974 25158 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401942 20350975 7027 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401942 20350976 5434 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401942 20350977 6514 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401942 20350978 5437 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401942 20350979 6509 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401942 20350980 1307 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401942 20350981 25677 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401942 20350982 7087 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401942 20350983 1327 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401942 20350984 1332 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401942 20350985 2633 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2013
96401942 20350986 22050 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 12/XX/2015
96401942 20350987 4929 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2015
96401942 20350988 3870 XXX Refinance Rate/Term Primary 12/XX/2012 WA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance open 2 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.
96401943 20351046 1274 XXX Purchase Second Home 12/XX/2012 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401943 20351047 1277 XXX Purchase Second Home 12/XX/2012 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401943 20351048 25677 XXX Purchase Second Home 12/XX/2012 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401943 20351049 18362 XXX Purchase Second Home 12/XX/2012 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401943 20351050 2641 XXX Purchase Second Home 12/XX/2012 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine cause of under disclosure due to missing itemization of amount financed.
96401943 20351051 5434 XXX Purchase Second Home 12/XX/2012 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401943 20351052 5435 XXX Purchase Second Home 12/XX/2012 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401943 20351053 6514 XXX Purchase Second Home 12/XX/2012 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401943 20351054 6509 XXX Purchase Second Home 12/XX/2012 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401943 20351055 1271 XXX Purchase Second Home 12/XX/2012 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401943 20351056 2633 XXX Purchase Second Home 12/XX/2012 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2013
96401640 20350999 1274 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401640 20351002 25677 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401640 20351004 2641 XXX Refinance Rate/Term Primary 12/XX/2012 IL $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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 $1,620.79. TIL Itemization of amount financed prepaid finance charges match HUD fees however the itemization negates the fees with the credit for interest rate chosen and shows net zero prepaid finance charges. 12/XX/2015
96401944 20351009 1274 XXX Purchase Primary 12/XX/2012 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401944 20351010 1271 XXX Purchase Primary 12/XX/2012 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401946 20351106 25158 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401946 20351107 7027 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401946 20351108 6514 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401946 20351109 5437 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401946 20351110 6509 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401946 20351111 1274 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401946 20351112 1277 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401946 20351113 18362 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401946 20351114 2212 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance open 2 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.
96401946 20351115 2633 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 10/XX/2013
96401946 20351116 770 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401946 20351117 5434 XXX Refinance Rate/Term Primary 10/XX/2012 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96402015 20351131 7087 XXX Purchase Primary 9/XX/2012 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401639 20351134 1275 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401639 20351135 1285 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401639 20351136 1294 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401639 20351137 1307 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401639 20351138 25677 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401639 20351139 1327 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401639 20351140 21706 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds maximum of 2% per state of New York.
96401639 20351141 1283 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401639 20351142 1312 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401945 20351143 2800 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401945 20351144 613 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 9/XX/2015
96401945 20351145 3934 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401945 20351146 2922 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401945 20351147 25158 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401945 20351148 7027 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401945 20351149 5434 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401945 20351150 6514 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401945 20351151 5437 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401945 20351152 6509 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401945 20351153 7087 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401945 20351154 1327 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401945 20351155 1332 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401945 20351156 2633 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2013
96401945 20351157 2634 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2013
96401945 20351158 22050 XXX Refinance Rate/Term Primary 9/XX/2012 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2015
96401695 20351160 1274 XXX Refinance Rate/Term Primary 9/XX/2012 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401695 20351161 1287 XXX Refinance Rate/Term Primary 9/XX/2012 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401695 20351162 1294 XXX Refinance Rate/Term Primary 9/XX/2012 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401695 20351163 25677 XXX Refinance Rate/Term Primary 9/XX/2012 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402016 20351164 1274 XXX Refinance Rate/Term Primary 9/XX/2012 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402016 20351165 1287 XXX Refinance Rate/Term Primary 9/XX/2012 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96402016 20351166 1294 XXX Refinance Rate/Term Primary 9/XX/2012 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401497 20351204 613 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 7/XX/2015
96401497 20351206 3934 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401497 20351208 25158 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401497 20351209 7027 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401497 20351212 5434 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401497 20351214 6514 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401497 20351216 5437 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401497 20351217 6509 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401497 20351219 25677 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401497 20351221 7087 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401497 20351226 1327 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401497 20351228 1332 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401497 20351229 1973 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance open 2 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.
96401497 20351231 1976 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance open 2 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.
96401497 20351233 6589 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96401497 20351234 2633 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 7/XX/2013
96401497 20351235 22050 XXX Refinance Rate/Term Primary 7/XX/2012 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2015
96401496 20351259 25158 XXX Refinance Rate/Term Primary 7/XX/2012 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401496 20351262 1274 XXX Refinance Rate/Term Primary 7/XX/2012 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401496 20351264 2922 XXX Refinance Rate/Term Primary 7/XX/2012 IN $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401496 20351267 1326 XXX Refinance Rate/Term Primary 7/XX/2012 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402017 20351258 1274 XXX Purchase Primary 7/XX/2012 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402017 20351260 1271 XXX Purchase Primary 7/XX/2012 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96402017 20351265 2800 XXX Purchase Primary 7/XX/2012 WI $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401350 20351325 7027 XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401350 20351326 1277 XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401350 20351327 1294 XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401350 20351328 25677 XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401350 20351329 1271 XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401350 20351330 18362 XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401350 20351331 2633 XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2013
96401350 20351332 2641 XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. TIL itemization did not disclose a settlement fee of $460, or a courier fee of $60 as prepaid finance charges. 5/XX/2013
96401350 20351333 2798 XXX Purchase Primary 5/XX/2012 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401351 20351349 2864 XXX Purchase Primary 5/XX/2012 SC $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401351 20351350 6576 XXX Purchase Primary 5/XX/2012 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance cleared 04/13/2021 1 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 Comment (2021-04-13): Received HUD-1
96401351 20351351 5434 XXX Purchase Primary 5/XX/2012 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401351 20351352 5435 XXX Purchase Primary 5/XX/2012 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401351 20351353 6509 XXX Purchase Primary 5/XX/2012 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401351 20351354 1287 XXX Purchase Primary 5/XX/2012 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401351 20351355 1294 XXX Purchase Primary 5/XX/2012 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401351 20351356 1325 XXX Purchase Primary 5/XX/2012 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401351 20351357 1271 XXX Purchase Primary 5/XX/2012 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401351 20351358 2336 XXX Purchase Primary 5/XX/2012 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance open 2 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. 5/XX/2018
96401351 20351359 2641 XXX Purchase Primary 5/XX/2012 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine reason for under disclosure due to missing itemization of amount financed. 5/XX/2013
96401825 20351360 2798 XXX Refinance Rate/Term Primary 5/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401825 20351361 7027 XXX Refinance Rate/Term Primary 5/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401825 20351362 5434 XXX Refinance Rate/Term Primary 5/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401825 20351363 6514 XXX Refinance Rate/Term Primary 5/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401825 20351364 5437 XXX Refinance Rate/Term Primary 5/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401825 20351365 6509 XXX Refinance Rate/Term Primary 5/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401825 20351366 1277 XXX Refinance Rate/Term Primary 5/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401825 20351367 18362 XXX Refinance Rate/Term Primary 5/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401825 20351368 21706 XXX Refinance Rate/Term Primary 5/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).
96401825 20351369 3353 XXX Refinance Rate/Term Primary 5/XX/2012 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 5/XX/2013
96401353 20351370 3350 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401353 20351371 1274 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401353 20351372 1277 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401353 20351373 1285 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401353 20351374 1287 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401353 20351375 1294 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401353 20351376 1307 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401353 20351377 1325 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401353 20351378 25677 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401353 20351379 1327 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401353 20351380 2633 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 4/XX/2013
96401353 20351381 1297 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance With Cure RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.
96401354 20351392 613 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 3/XX/2015
96401354 20351393 3934 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401354 20351394 2922 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 01/XX/2012
96401354 20351395 25158 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401354 20351396 7027 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401354 20351397 24490 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401354 20351398 5434 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401354 20351399 6514 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401354 20351400 5437 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401354 20351401 6509 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401354 20351402 25677 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401354 20351403 7087 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401354 20351404 1327 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401354 20351405 1332 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401354 20351406 22050 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2015
96401354 20351407 2641 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed 3/XX/2015
96401354 20351408 2800 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401354 20351409 1307 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401354 20351410 2633 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2013
96401354 20351411 2634 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2013
96401354 20351412 24983 XXX Refinance Rate/Term Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2015
96401803 20351458 25158 XXX Refinance Cash-out - Other Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 (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.
96401803 20351460 25677 XXX Refinance Cash-out - Other Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401803 20351462 1277 XXX Refinance Cash-out - Other Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401803 20351463 18362 XXX Refinance Cash-out - Other Primary 3/XX/2012 NJ $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401801 20351477 5445 XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401801 20351478 7027 XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401801 20351479 1274 XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401801 20351480 1277 XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401801 20351481 25677 XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401801 20351482 18362 XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401801 20351483 2633 XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2013
96401801 20351484 2641 XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 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. 3/XX/2015
96401801 20351485 2642 XXX Refinance Rate/Term Primary 3/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2015
96401804 20351469 1274 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2012 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401804 20351474 1277 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2012 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401804 20351476 1325 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2012 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.
96401217 20351491 1326 XXX Refinance Rate/Term Primary 1/XX/2012 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401217 20351492 1883 XXX Refinance Rate/Term Primary 1/XX/2012 MD $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance open 2 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
96401217 20351493 18362 XXX Refinance Rate/Term Primary 1/XX/2012 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401218 20351495 25158 XXX Purchase Primary 1/XX/2012 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401218 20351496 5434 XXX Purchase Primary 1/XX/2012 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401218 20351497 5435 XXX Purchase Primary 1/XX/2012 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401218 20351498 6509 XXX Purchase Primary 1/XX/2012 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401218 20351499 5431 XXX Purchase Primary 1/XX/2012 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
96401218 20351500 1271 XXX Purchase Primary 1/XX/2012 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401218 20351501 18362 XXX Purchase Primary 1/XX/2012 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401220 20351521 2798 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401220 20351522 7027 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401220 20351523 1274 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401220 20351524 1277 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401220 20351525 1287 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401220 20351526 1294 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401220 20351527 25677 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401220 20351528 18362 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401220 20351529 2633 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 1/XX/2013
96401220 20351530 5434 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401220 20351531 6514 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401220 20351532 5437 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401220 20351533 6509 XXX Refinance Rate/Term Primary 1/XX/2012 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401219 20351541 1274 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2011 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401219 20351542 1275 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2011 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401219 20351543 2647 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2011 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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). 12/XX/2014
96401216 20351575 25158 XXX Purchase Primary 10/XX/2011 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401216 20351576 1294 XXX Purchase Primary 10/XX/2011 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401216 20351577 1326 XXX Purchase Primary 10/XX/2011 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401216 20351578 1271 XXX Purchase Primary 10/XX/2011 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401275 20351587 25158 XXX Refinance Rate/Term Primary 10/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401275 20351588 1287 XXX Refinance Rate/Term Primary 10/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401275 20351589 7087 XXX Refinance Rate/Term Primary 10/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401275 20351590 1327 XXX Refinance Rate/Term Primary 10/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401275 20351591 2499 XXX Refinance Rate/Term Primary 10/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance open 2 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.
96401275 20351592 2641 XXX Refinance Rate/Term Primary 10/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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 $971.97. There is a Seller credit for $1200 which is not itemized therefore excluded. 10/XX/2014
96401275 20351593 5435 XXX Refinance Rate/Term Primary 10/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401275 20351594 6514 XXX Refinance Rate/Term Primary 10/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401275 20351595 6509 XXX Refinance Rate/Term Primary 10/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401882 20351620 6514 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2011 AL $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401882 20351621 5437 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2011 AL $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401882 20351622 5438 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2011 AL $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401882 20351623 1274 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2011 AL $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401882 20351624 2635 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2011 AL $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2012
96401276 20351625 2798 XXX Refinance Cash-out - Debt Consolidation Investment 9/XX/2011 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401276 20351626 770 XXX Refinance Cash-out - Debt Consolidation Investment 9/XX/2011 TN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401883 20351661 25158 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 (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.
96401883 20351662 7027 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401883 20351663 1274 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401883 20351664 1277 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401883 20351665 1327 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401883 20351666 2633 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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. 8/XX/2012
96401883 20351667 2641 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 8/XX/2014
96401883 20351668 2645 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2014
96401883 20351669 5434 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401883 20351671 6514 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401883 20351672 5437 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401883 20351673 6509 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401883 20351674 5438 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401883 20351675 1325 XXX Refinance Rate/Term Primary 8/XX/2011 MO $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96402106 20351698 5440 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96402106 20351699 1274 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402106 20351700 1277 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402106 20351701 25677 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402106 20351702 18362 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401687 20351792 1274 XXX Refinance Rate/Term Primary 5/XX/2011 WI $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401687 20351793 2641 XXX Refinance Rate/Term Primary 5/XX/2011 WI $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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 $175.17. Itemization of amount financed indicated prepaid finance charges in the amount of $XXX less application of interest rate credit. The HUD only discloses 1 day totaling $12.55. 5/XX/2014
96401317 20351800 2800 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401317 20351801 2798 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401317 20351802 3934 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401317 20351803 25158 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401317 20351804 5440 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401317 20351805 7087 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401317 20351806 1327 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401317 20351807 1332 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401317 20351808 22050 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2014
96401317 20351809 2646 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 4/XX/2014
96401317 20351810 2922 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 04/XX/2011
96401317 20351811 22866 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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. 4/XX/2014
96401317 20351812 2641 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine cause of under disclosure due to missing itemization of amount financed. 4/XX/2014
96401317 20351813 613 XXX Refinance Rate/Term Primary 4/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 4/XX/2014
96401689 20351814 3350 XXX Refinance Rate/Term Primary 4/XX/2011 PA $XXX Loan Review Complete 08/22/2019 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401689 20351815 25158 XXX Refinance Rate/Term Primary 4/XX/2011 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 (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.
96401689 20351816 5440 XXX Refinance Rate/Term Primary 4/XX/2011 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401689 20351817 1274 XXX Refinance Rate/Term Primary 4/XX/2011 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401689 20351818 1287 XXX Refinance Rate/Term Primary 4/XX/2011 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401689 20351819 1294 XXX Refinance Rate/Term Primary 4/XX/2011 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401689 20351820 1323 XXX Refinance Rate/Term Primary 4/XX/2011 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.
96401689 20351821 25677 XXX Refinance Rate/Term Primary 4/XX/2011 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401689 20351822 7087 XXX Refinance Rate/Term Primary 4/XX/2011 PA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401689 20351823 2922 XXX Refinance Rate/Term Primary 4/XX/2011 PA $XXX Loan Review Complete 08/22/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 04/XX/2011
96401688 20351863 25158 XXX Refinance Cash-out - Other Primary 4/XX/2011 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401688 20351864 1277 XXX Refinance Cash-out - Other Primary 4/XX/2011 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401688 20351865 5445 XXX Refinance Cash-out - Other Primary 4/XX/2011 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401688 20351866 1327 XXX Refinance Cash-out - Other Primary 4/XX/2011 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401688 20351867 1325 XXX Refinance Cash-out - Other Primary 4/XX/2011 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.
96401318 20351879 3934 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401318 20351880 5445 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401318 20351882 25158 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401318 20351884 7027 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401318 20351886 25677 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401318 20351887 7087 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401318 20351888 1327 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401318 20351889 1332 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401318 20351890 2633 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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/XX/2012
96401318 20351891 2634 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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/XX/2012
96401318 20351892 22050 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 2/XX/2014
96401318 20351895 613 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 2/XX/2014
96401318 20351896 2922 XXX Refinance Rate/Term Primary 2/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401376 20351916 7027 XXX Refinance Rate/Term Primary 1/XX/2011 MO $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401376 20351917 25677 XXX Refinance Rate/Term Primary 1/XX/2011 MO $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401376 20351918 7087 XXX Refinance Rate/Term Primary 1/XX/2011 MO $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401376 20351919 1327 XXX Refinance Rate/Term Primary 1/XX/2011 MO $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401376 20351920 1332 XXX Refinance Rate/Term Primary 1/XX/2011 MO $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401376 20351921 2633 XXX Refinance Rate/Term Primary 1/XX/2011 MO $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 1/XX/2012
96401376 20351922 22050 XXX Refinance Rate/Term Primary 1/XX/2011 MO $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 1/XX/2014
96401376 20351923 613 XXX Refinance Rate/Term Primary 1/XX/2011 MO $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 1/XX/2014
96401376 20351924 3934 XXX Refinance Rate/Term Primary 1/XX/2011 MO $XXX Loan Review Complete 08/09/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401376 20351925 2800 XXX Refinance Rate/Term Primary 1/XX/2011 MO $XXX Loan Review Complete 08/09/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401377 20351964 2798 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401377 20351965 2922 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401377 20351966 3934 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401377 20351967 5445 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401377 20351968 25158 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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.
96401377 20351969 7027 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401377 20351970 22866 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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. 12/XX/2013
96401377 20351971 1307 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401377 20351972 1312 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401377 20351973 1306 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA - Incorrect HUD-1 Form Used RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form.
96401377 20351974 25677 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401377 20351975 7087 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401377 20351976 1327 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401377 20351977 1332 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401377 20351978 2633 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2011
96401377 20351979 2634 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2011
96401377 20351980 22050 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 12/XX/2013
96401377 20351981 2644 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2013
96401377 20351982 2647 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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). 12/XX/2013
96401377 20351983 3366 XXX Refinance Rate/Term Primary 12/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2013
96401375 20352000 7027 XXX Purchase Second Home 12/XX/2010 MI $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401375 20352001 1274 XXX Purchase Second Home 12/XX/2010 MI $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401375 20352002 1277 XXX Purchase Second Home 12/XX/2010 MI $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401375 20352003 25677 XXX Purchase Second Home 12/XX/2010 MI $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401375 20352004 1271 XXX Purchase Second Home 12/XX/2010 MI $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401375 20352005 18362 XXX Purchase Second Home 12/XX/2010 MI $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401375 20352006 2633 XXX Purchase Second Home 12/XX/2010 MI $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2011
96401541 20352080 1274 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 MD $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401541 20352081 1287 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 MD $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401541 20352082 1294 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 MD $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401541 20352083 1316 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 MD $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate RESPA (2010): Loan Amount on Final HUD-1 does not match Note.
96401541 20352084 25677 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 MD $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401541 20352085 1883 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 MD $XXX Loan Review Complete 08/09/2019 Compliance State Compliance Compliance open 2 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
96401541 20352086 20744 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 MD $XXX Loan Review Complete 08/09/2019 Compliance State Compliance Compliance open 2 Maryland Ability to Repay Not Verified Maryland SB270: Borrower’s ability to repay not verified with reliable documentation.
96401538 20352087 5429 XXX Purchase Primary 11/XX/2010 AZ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 801) Without Cure RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.
96401538 20352088 1274 XXX Purchase Primary 11/XX/2010 AZ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401538 20352089 25677 XXX Purchase Primary 11/XX/2010 AZ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401538 20352090 1271 XXX Purchase Primary 11/XX/2010 AZ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401538 20352091 1305 XXX Purchase Primary 11/XX/2010 AZ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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
96401538 20352092 1326 XXX Purchase Primary 11/XX/2010 AZ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401540 20352093 25158 XXX Purchase Primary 11/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401540 20352094 1274 XXX Purchase Primary 11/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401540 20352095 25677 XXX Purchase Primary 11/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401540 20352096 1271 XXX Purchase Primary 11/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401540 20352097 7087 XXX Purchase Primary 11/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401540 20352098 18362 XXX Purchase Primary 11/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401542 20352099 770 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 ME $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401542 20352100 25158 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401542 20352101 1285 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401542 20352102 1294 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401539 20352128 25158 XXX Purchase Primary 10/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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.
96401539 20352129 1283 XXX Purchase Primary 10/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401539 20352130 1312 XXX Purchase Primary 10/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401539 20352131 1271 XXX Purchase Primary 10/XX/2010 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96402038 20352153 25158 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96402038 20352154 1274 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402038 20352155 1283 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402038 20352156 1307 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402038 20352157 2635 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 10/XX/2011
96402038 20352158 22050 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 10/XX/2013
96402038 20352159 3366 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 10/XX/2013
96402038 20352160 25677 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401543 20352175 7027 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401543 20352176 1274 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401543 20352177 1277 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401543 20352178 1285 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401543 20352179 1287 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401543 20352180 1288 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Term on Final GFE Inaccurate RESPA (2010): Loan Term on Final GFE does not match Note.
96401543 20352181 1294 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401543 20352182 1326 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401543 20352183 25677 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401543 20352184 1271 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401543 20352185 1327 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401543 20352186 2633 XXX Purchase Primary 9/XX/2010 LA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2011
96402039 20352190 7027 XXX Refinance Rate/Term Primary 9/XX/2010 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402039 20352191 1277 XXX Refinance Rate/Term Primary 9/XX/2010 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402039 20352192 18362 XXX Refinance Rate/Term Primary 9/XX/2010 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96402039 20352193 2336 XXX Refinance Rate/Term Primary 9/XX/2010 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance open 2 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. 9/XX/2016
96402039 20352194 2633 XXX Refinance Rate/Term Primary 9/XX/2010 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2011
96402040 20352199 1274 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96402040 20352200 7087 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96402040 20352201 2635 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 8/XX/2011
96402040 20352202 7027 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96402040 20352203 1277 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96402040 20352204 1326 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96402040 20352205 25677 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96402040 20352206 18362 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96402040 20352207 2633 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 8/XX/2011
96401749 20352268 25158 XXX Purchase Primary 7/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 (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.
96401749 20352269 7027 XXX Purchase Primary 7/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401749 20352270 1274 XXX Purchase Primary 7/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401749 20352271 1277 XXX Purchase Primary 7/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401749 20352272 1325 XXX Purchase Primary 7/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401749 20352273 25677 XXX Purchase Primary 7/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401749 20352274 18362 XXX Purchase Primary 7/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401749 20352275 2633 XXX Purchase Primary 7/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 7/XX/2011
96401749 20352276 2798 XXX Purchase Primary 7/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401749 20352277 1272 XXX Purchase Primary 7/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine due to missing initial application
96401751 20352224 1271 XXX Purchase Primary 6/XX/2010 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401751 20352225 25677 XXX Purchase Primary 6/XX/2010 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401751 20352226 1275 XXX Purchase Primary 6/XX/2010 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401751 20352227 7027 XXX Purchase Primary 6/XX/2010 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401751 20352228 1277 XXX Purchase Primary 6/XX/2010 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401751 20352229 18362 XXX Purchase Primary 6/XX/2010 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401751 20352230 2633 XXX Purchase Primary 6/XX/2010 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2011
96401750 20352265 25158 XXX Purchase Primary 5/XX/2010 PA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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.
96401750 20352266 1271 XXX Purchase Primary 5/XX/2010 PA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401752 20352296 1271 XXX Purchase Primary 5/XX/2010 PA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401752 20352298 1327 XXX Purchase Primary 5/XX/2010 PA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401752 20352299 2633 XXX Purchase Primary 5/XX/2010 PA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2011
96401517 20352308 2798 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401517 20352309 25158 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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.
96401517 20352310 7027 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401517 20352311 1274 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401517 20352312 1277 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401517 20352313 1325 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.
96401517 20352314 1268 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401517 20352315 25677 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401517 20352316 1271 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401517 20352317 7115 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
96401517 20352318 18362 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401517 20352319 2633 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2011
96401517 20352320 770 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401517 20352321 1297 XXX Purchase Primary 5/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance With Cure RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.
96401753 20352333 2798 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401753 20352334 4131 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) HUD Error: Loan amount on page 3 of the final HUD was not provided.
96401753 20352335 4132 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) HUD Error: Loan term on page 3 of the final HUD was not provided.
96401753 20352336 4133 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided.
96401753 20352337 4134 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided.
96401753 20352338 4135 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided.
96401753 20352339 4136 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) HUD Error: Can your loan balance rise question on page 3 of the final HUD was not provided.
96401753 20352340 4137 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) HUD Error: Can your monthly payment amount owed rise question on page 3 of the final HUD was not provided.
96401753 20352341 4138 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) HUD Error: Prepayment penalty question on page 3 of the final HUD was not provided.
96401753 20352342 4140 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided.
96401753 20352343 4139 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) HUD Error: Balloon term question on page 3 of the final HUD was not provided.
96401753 20352344 770 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401753 20352345 25158 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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.
96401753 20352346 7027 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401753 20352347 1307 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401753 20352348 1312 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401753 20352349 1314 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401753 20352350 1316 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401753 20352351 1317 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401753 20352352 1323 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401753 20352353 1306 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA - Incorrect HUD-1 Form Used RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form.
96401753 20352354 1325 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.
96401753 20352356 1271 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401753 20352358 18362 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401753 20352360 1332 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401753 20352361 2633 XXX Purchase Primary 4/XX/2010 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 4/XX/2011
96401518 20352374 1274 XXX Refinance Rate/Term Primary 3/XX/2010 MA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401518 20352375 1287 XXX Refinance Rate/Term Primary 3/XX/2010 MA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401518 20352376 1294 XXX Refinance Rate/Term Primary 3/XX/2010 MA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401518 20352377 1891 XXX Refinance Rate/Term Primary 3/XX/2010 MA $XXX Loan Review Complete 08/29/2019 Compliance State Compliance Compliance open 2 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. 3/XX/2013
96401518 20352378 2635 XXX Refinance Rate/Term Primary 3/XX/2010 MA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2011
96401519 20352438 3934 XXX Refinance Rate/Term Primary 1/XX/2010 MN $XXX Loan Review Complete 08/09/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401519 20352439 25158 XXX Refinance Rate/Term Primary 1/XX/2010 MN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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.
96401519 20352440 7027 XXX Refinance Rate/Term Primary 1/XX/2010 MN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401519 20352441 2633 XXX Refinance Rate/Term Primary 1/XX/2010 MN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 1/XX/2011
96401519 20352442 22050 XXX Refinance Rate/Term Primary 1/XX/2010 MN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 1/XX/2013
96401519 20352443 22866 XXX Refinance Rate/Term Primary 1/XX/2010 MN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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. 1/XX/2013
96401519 20352444 20735 XXX Refinance Rate/Term Primary 1/XX/2010 MN $XXX Loan Review Complete 08/09/2019 Compliance State Compliance Compliance open 2 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.
96401519 20352445 1992 XXX Refinance Rate/Term Primary 1/XX/2010 MN $XXX Loan Review Complete 08/09/2019 Compliance State Compliance Compliance open 2 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.
96401519 20352446 613 XXX Refinance Rate/Term Primary 1/XX/2010 MN $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 1/XX/2013
96401519 20352447 2922 XXX Refinance Rate/Term Primary 1/XX/2010 MN $XXX Loan Review Complete 08/09/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401519 20352448 6576 XXX Refinance Rate/Term Primary 1/XX/2010 MN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 3 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. 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.
96401826 20352451 2798 XXX Refinance Cash-out - Other Primary 12/XX/2009 NM $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401826 20352452 3934 XXX Refinance Cash-out - Other Primary 12/XX/2009 NM $XXX Loan Review Complete 08/09/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401826 20352453 25158 XXX Refinance Cash-out - Other Primary 12/XX/2009 NM $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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.
96401826 20352454 2635 XXX Refinance Cash-out - Other Primary 12/XX/2009 NM $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2010
96401826 20352455 2642 XXX Refinance Cash-out - Other Primary 12/XX/2009 NM $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2012
96401845 20352497 25677 XXX Refinance Rate/Term Primary 10/XX/2009 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401845 20352498 2642 XXX Refinance Rate/Term Primary 10/XX/2009 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2009, prior to three (3) business days from transaction date of 10/XX/2009. 10/XX/2012
96401846 20352508 25677 XXX Refinance Rate/Term Primary 9/XX/2009 DC $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401847 20352509 5791 XXX Refinance Cash-out - Other Primary 9/XX/2009 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401847 20352510 6577 XXX Refinance Cash-out - Other Primary 9/XX/2009 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 3 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 Comment (2021-04-14): Received additional copy of the same Estimated HUD-1. Unable to clear.
96401847 20352511 7027 XXX Refinance Cash-out - Other Primary 9/XX/2009 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401847 20352512 3353 XXX Refinance Cash-out - Other Primary 9/XX/2009 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 9/XX/2010
96401847 20352513 2798 XXX Refinance Cash-out - Other Primary 9/XX/2009 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401848 20352521 25158 XXX Refinance Cash-out - Other Primary 8/XX/2009 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 (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.
96401848 20352522 7027 XXX Refinance Cash-out - Other Primary 8/XX/2009 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401848 20352523 25677 XXX Refinance Cash-out - Other Primary 8/XX/2009 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401848 20352524 5445 XXX Refinance Cash-out - Other Primary 8/XX/2009 NY $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401990 20352532 25677 XXX Refinance Rate/Term Primary 6/XX/2009 TN $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401990 20352533 2864 XXX Refinance Rate/Term Primary 6/XX/2009 TN $XXX Loan Review Complete 08/09/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401991 20352535 25677 XXX Refinance Rate/Term Primary 6/XX/2009 PA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401994 20352541 5791 XXX Refinance Rate/Term Primary 6/XX/2009 TX $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401994 20352542 7027 XXX Refinance Rate/Term Primary 6/XX/2009 TX $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401994 20352543 1268 XXX Refinance Rate/Term Primary 6/XX/2009 TX $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401994 20352544 25677 XXX Refinance Rate/Term Primary 6/XX/2009 TX $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401994 20352545 2644 XXX Refinance Rate/Term Primary 6/XX/2009 TX $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2012
96402107 20352551 25158 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2009 NY $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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.
96402107 20352552 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2009 NY $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401611 20352553 25677 XXX Refinance Rate/Term Primary 4/XX/2009 NY $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401613 20352589 2864 XXX Refinance Rate/Term Primary 1/XX/2009 MS $XXX Loan Review Complete 08/09/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401613 20352590 7027 XXX Refinance Rate/Term Primary 1/XX/2009 MS $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401613 20352591 3934 XXX Refinance Rate/Term Primary 1/XX/2009 MS $XXX Loan Review Complete 08/09/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401723 20352605 5791 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401723 20352606 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401723 20352607 25677 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401723 20352608 2336 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 SC $XXX Loan Review Complete 08/22/2019 Compliance State Compliance Compliance open 2 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. 11/XX/2014
96401589 20352615 25677 XXX Refinance Cash-out - Other Primary 8/XX/2008 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401590 20352634 2641 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 AZ $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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 $564.96. Unable to determine reason for under disclosure due to missing Itemization of Amount Financed. 6/XX/2011
96401590 20352635 2800 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 AZ $XXX Loan Review Complete 08/09/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401445 20352637 25158 XXX Refinance Cash-out - Other Primary 6/XX/2008 NM $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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.
96401445 20352638 2641 XXX Refinance Cash-out - Other Primary 6/XX/2008 NM $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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 $136.74. TIL itemization did not disclose the Sub Agreement of $45, Sub recording $17 and Document signing $75 as prepaid finance charges. 6/XX/2011
96401592 20352639 7027 XXX Refinance Cash-out - Other Primary 6/XX/2008 FL $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401446 20352646 25677 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 CA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401447 20352651 25158 XXX Purchase Primary 5/XX/2008 NY $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 (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.
96401448 20352649 7027 XXX Refinance Rate/Term Primary 5/XX/2008 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401448 20352650 25677 XXX Refinance Rate/Term Primary 5/XX/2008 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401448 20352652 2644 XXX Refinance Rate/Term Primary 5/XX/2008 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2011
96402074 20352656 2798 XXX Refinance Cash-out - Other Primary 5/XX/2008 WI $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402074 20352657 7027 XXX Refinance Cash-out - Other Primary 5/XX/2008 WI $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96402074 20352658 25677 XXX Refinance Cash-out - Other Primary 5/XX/2008 WI $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401414 20352667 2798 XXX Refinance Rate/Term Investment 3/XX/2008 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401414 20352668 7027 XXX Refinance Rate/Term Investment 3/XX/2008 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401947 20352669 7027 XXX Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401947 20352670 25677 XXX Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401947 20352671 2798 XXX Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 08/09/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401949 20352675 7027 XXX Purchase Primary 2/XX/2008 HI $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401949 20352676 25677 XXX Purchase Primary 2/XX/2008 HI $XXX Loan Review Complete 08/09/2019 Compliance Federal Compliance Compliance open 2 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.
96401949 20352677 2864 XXX Purchase Primary 2/XX/2008 HI $XXX Loan Review Complete 08/09/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96402144 20352765 25677 XXX Refinance Cash-out - Other Primary 10/XX/2007 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance open 2 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.
96401315 20352793 25158 XXX Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 (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.
96401315 20352794 25677 XXX Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401315 20352795 25686 XXX Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 8/XX/2008
96401315 20352796 6302 XXX Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2008
96401315 20352797 2798 XXX Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 09/04/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401315 20352798 7027 XXX Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401915 20352810 7027 XXX Purchase Primary 7/XX/2007 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401915 20352813 25677 XXX Purchase Primary 7/XX/2007 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401915 20352814 25686 XXX Purchase Primary 7/XX/2007 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 7/XX/2008
96401915 20352815 2798 XXX Purchase Primary 7/XX/2007 CA $XXX Loan Review Complete 08/29/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401916 20352821 4967 XXX Purchase Primary 7/XX/2007 CO $XXX Loan Review Complete 09/04/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401916 20352822 5445 XXX Purchase Primary 7/XX/2007 CO $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
96401916 20352823 7027 XXX Purchase Primary 7/XX/2007 CO $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401916 20352824 25677 XXX Purchase Primary 7/XX/2007 CO $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401916 20352825 25686 XXX Purchase Primary 7/XX/2007 CO $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 7/XX/2008
96401916 20352826 6302 XXX Purchase Primary 7/XX/2007 CO $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2008
96401665 20352840 5445 XXX Purchase Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401665 20352841 7027 XXX Purchase Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401665 20352842 25677 XXX Purchase Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401720 20352843 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 VA $XXX Loan Review Complete 09/04/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401720 20352844 5445 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 VA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401720 20352845 2641 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 VA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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. 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. 6/XX/2010
96401807 20352851 24490 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401806 20352850 6578 XXX Refinance Rate/Term Primary 6/XX/2007 CA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 3 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.
96401499 20352896 7027 XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401499 20352897 1267 XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.
96401499 20352898 1268 XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401690 20352918 2864 XXX Purchase Primary 4/XX/2007 WA $XXX Loan Review Complete 08/29/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96402108 20352945 2336 XXX Purchase Primary 2/XX/2007 SC $XXX Loan Review Complete 08/29/2019 Compliance State Compliance Compliance open 2 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/XX/2013
96401544 20352947 25677 XXX Refinance Rate/Term Primary 2/XX/2007 IA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401520 20352973 2922 XXX Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/29/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2006
96401520 20352974 2922 XXX Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/29/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2006
96401520 20352975 7027 XXX Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401520 20352976 25677 XXX Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401757 20352987 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401757 20352988 25677 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401827 20352995 7027 XXX Refinance Rate/Term Primary 11/XX/2006 IA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401827 20352996 25677 XXX Refinance Rate/Term Primary 11/XX/2006 IA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401827 20352997 2864 XXX Refinance Rate/Term Primary 11/XX/2006 IA $XXX Loan Review Complete 08/29/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401755 20353003 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 CA $XXX Loan Review Complete 09/04/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401755 20353004 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 CA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401521 20353005 5445 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 CA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
96401521 20353007 25677 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 CA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401754 20353009 7027 XXX Refinance Cash-out - Other Investment 9/XX/2006 CT $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96402041 20353010 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96402042 20353014 2641 XXX Purchase Primary 8/XX/2006 SC $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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 $151.25. TIL Itemization did not disclose the attorney fee of $63.62, wire fee of $25, and the courier of $25 as prepaid finance charges. 8/XX/2007
96402043 20353016 2798 XXX Purchase Primary 7/XX/2006 PA $XXX Loan Review Complete 08/29/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402043 20353017 20780 XXX Purchase Primary 7/XX/2006 PA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96402043 20353018 6579 XXX Purchase Primary 7/XX/2006 PA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 3 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.
96402043 20353019 7028 XXX Purchase Primary 7/XX/2006 PA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401997 20353039 22050 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. 6/XX/2009
96401997 20353040 25677 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401614 20353051 2641 XXX Refinance Rate/Term Primary 6/XX/2006 NC $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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 $155.89. Unable to determine reason for fee under disclosure due to missing Final TIL itemization. 6/XX/2009
96401849 20353056 25677 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401849 20353057 25688 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 6/XX/2007
96401849 20353058 2642 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2009
96401616 20353059 5445 XXX Purchase Primary 6/XX/2006 NC $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401616 20353060 25677 XXX Purchase Primary 6/XX/2006 NC $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401615 20353082 7027 XXX Purchase Primary 5/XX/2006 NJ $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401948 20353085 2800 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401948 20353086 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401948 20353087 4967 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401948 20353088 3934 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401948 20353089 2922 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401948 20353090 20780 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401948 20353091 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401948 20353092 22050 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. 5/XX/2009
96401948 20353093 2642 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2009
96401948 20353094 2646 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2009
96401948 20353095 2647 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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). 5/XX/2009
96401593 20353099 1268 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401593 20353100 25677 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401593 20353101 7027 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401594 20353112 25677 XXX Refinance Rate/Term Primary 4/XX/2006 SC $XXX Loan Review Complete 08/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401594 20353113 2336 XXX Refinance Rate/Term Primary 4/XX/2006 SC $XXX Loan Review Complete 08/29/2019 Compliance State Compliance Compliance open 2 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. 4/XX/2012
96401724 20353124 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401724 20353125 4967 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401724 20353126 2922 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401724 20353127 3934 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401724 20353128 23933 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96401724 20353129 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401724 20353130 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401724 20353131 25677 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401724 20353132 22050 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2009
96401724 20353133 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2009
96401724 20353134 2646 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2009
96401724 20353135 2800 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401724 20353136 22866 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 (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. 3/XX/2009
96401724 20353137 2644 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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. 3/XX/2009
96401951 20353166 2798 XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 09/04/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401951 20353167 7027 XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401951 20353168 1268 XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401951 20353169 25677 XXX Purchase Primary 2/XX/2006 FL $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401536 20353212 5445 XXX Purchase Primary 11/XX/2005 MO $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401536 20353213 7027 XXX Purchase Primary 11/XX/2005 MO $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401972 20353215 2641 XXX Refinance Cash-out - Other Primary 11/XX/2005 NH $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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. TIL itemization disclosed prepaid interest of $151.82, however the HUD-1 shows the actual prepaid interest charged was $303.63. 11/XX/2008
96401972 20353216 25677 XXX Refinance Cash-out - Other Primary 11/XX/2005 NH $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96402076 20353223 2800 XXX Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 09/05/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96402078 20353224 2798 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/04/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402078 20353225 2864 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/04/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96402078 20353226 3934 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/04/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402078 20353227 5445 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96402078 20353228 7027 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96402078 20353229 2641 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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 $2,297.46. Under disclosure due to TIL payment stream PMI calculation drop off at 73 months and Actual payment stream PMI calculation drop off at 95 months. 10/XX/2008
96402145 20353253 5791 XXX Refinance Cash-out - Other Primary 7/XX/2005 AZ $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96402145 20353254 7027 XXX Refinance Cash-out - Other Primary 7/XX/2005 AZ $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96402145 20353255 2798 XXX Refinance Cash-out - Other Primary 7/XX/2005 AZ $XXX Loan Review Complete 09/04/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402145 20353256 1268 XXX Refinance Cash-out - Other Primary 7/XX/2005 AZ $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96402145 20353257 25677 XXX Refinance Cash-out - Other Primary 7/XX/2005 AZ $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96401808 20353262 7027 XXX Purchase Second Home 7/XX/2005 NC $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401808 20353263 1268 XXX Purchase Second Home 7/XX/2005 NC $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401808 20353264 25677 XXX Purchase Second Home 7/XX/2005 NC $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401245 20353258 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CT $XXX Loan Review Complete 09/05/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401245 20353259 5445 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CT $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401245 20353260 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CT $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401245 20353261 22866 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CT $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 (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. 7/XX/2008
96402079 20353269 2798 XXX Refinance Rate/Term Primary 7/XX/2005 IL $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402079 20353270 5445 XXX Refinance Rate/Term Primary 7/XX/2005 IL $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96402079 20353271 7027 XXX Refinance Rate/Term Primary 7/XX/2005 IL $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96402079 20353272 2922 XXX Refinance Rate/Term Primary 7/XX/2005 IL $XXX Loan Review Complete 09/16/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401809 20353274 2798 XXX Refinance Cash-out - Other Primary 6/XX/2005 MO $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401809 20353276 7027 XXX Refinance Cash-out - Other Primary 6/XX/2005 MO $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401810 20353279 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 PA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401810 20353280 25677 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 PA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401810 20353281 2800 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 PA $XXX Loan Review Complete 09/16/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401721 20353277 5791 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401721 20353278 1268 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401355 20353296 7027 XXX Purchase Primary 5/XX/2005 MD $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401355 20353297 25677 XXX Purchase Primary 5/XX/2005 MD $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401416 20353307 5791 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401416 20353308 7027 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401221 20353320 2641 XXX Refinance Cash-out - Other Primary 2/XX/2005 UT $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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. 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. 2/XX/2008
96401222 20353325 5445 XXX Purchase Primary 2/XX/2005 NY $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401222 20353326 7027 XXX Purchase Primary 2/XX/2005 NY $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401480 20353328 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401449 20353343 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 VA $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401449 20353344 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 VA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401449 20353345 25677 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 VA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401918 20353369 23933 XXX Refinance Rate/Term Primary 10/XX/2004 MO $XXX Loan Review Complete 09/16/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96401918 20353370 22866 XXX Refinance Rate/Term Primary 10/XX/2004 MO $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 (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. 10/XX/2007
96401918 20353371 25677 XXX Refinance Rate/Term Primary 10/XX/2004 MO $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401918 20353372 3365 XXX Refinance Rate/Term Primary 10/XX/2004 MO $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 10/XX/2007
96401918 20353373 2922 XXX Refinance Rate/Term Primary 10/XX/2004 MO $XXX Loan Review Complete 09/16/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401692 20353374 3934 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 FL $XXX Loan Review Complete 09/16/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401692 20353375 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 FL $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401885 20353377 25677 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 NY $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401917 20353385 3934 XXX Refinance Rate/Term Primary 9/XX/2004 MI $XXX Loan Review Complete 09/16/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401917 20353386 6589 XXX Refinance Rate/Term Primary 9/XX/2004 MI $XXX Loan Review Complete 09/16/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96401691 20353387 1268 XXX Refinance Cash-out - Other Primary 9/XX/2004 CA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401887 20353402 2798 XXX Refinance Cash-out - Other Primary 7/XX/2004 FL $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401887 20353403 7027 XXX Refinance Cash-out - Other Primary 7/XX/2004 FL $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401887 20353404 2641 XXX Refinance Cash-out - Other Primary 7/XX/2004 FL $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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 $96.13. TIL itemization did not disclose a courier fee of $65 and a wire fee of $30 as prepaid finance charges. 7/XX/2007
96401642 20353418 7027 XXX Purchase Primary 6/XX/2004 MI $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401748 20353423 25677 XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401748 20353424 2864 XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 09/16/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401748 20353425 2641 XXX Purchase Primary 5/XX/2004 OH $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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. 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. 5/XX/2005
96401888 20353428 5780 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 NJ $XXX Loan Review Complete 09/16/2019 Compliance Miscellaneous Compliance Compliance open 2 Initial TIL not provided 5/XX/2005
96401888 20353429 24490 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 NJ $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401888 20353430 22050 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 NJ $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. 5/XX/2007
96401500 20353439 6576 XXX Purchase Primary 4/XX/2004 NV $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 3 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.
96401500 20353440 2641 XXX Purchase Primary 4/XX/2004 NV $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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. The Lender's TIL reflects MI dropping off after120 months, however, the audited TIL indicates MI should drop off after 161 months. 4/XX/2005
96401844 20353452 2641 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NH $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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 $46.65. Unable to determine under disclosure due to missing Itemization of Amount Financed 3/XX/2007
96401668 20353450 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 KY $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401668 20353451 2644 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 KY $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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. 4/XX/2007
96401669 20353457 2641 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 HI $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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 $675.22. Unable to determine cause of underdisclosure due to missing Itemization of Amount Financed. 3/XX/2007
96401669 20353458 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 HI $XXX Loan Review Complete 09/05/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401669 20353459 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 HI $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401669 20353460 1268 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 HI $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401669 20353461 25677 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 HI $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401360 20353474 2798 XXX Refinance Rate/Term Primary 3/XX/2004 MA $XXX Loan Review Complete 09/05/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401360 20353475 7027 XXX Refinance Rate/Term Primary 3/XX/2004 MA $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401360 20353476 25677 XXX Refinance Rate/Term Primary 3/XX/2004 MA $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401321 20353477 7027 XXX Purchase Primary 2/XX/2004 IL $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401321 20353478 2640 XXX Purchase Primary 2/XX/2004 IL $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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/XX/2005
96401321 20353479 2641 XXX Purchase Primary 2/XX/2004 IL $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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. 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. 2/XX/2005
96401547 20353499 2798 XXX Refinance Cash-out - Other Primary 12/XX/2003 PA $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401547 20353500 3934 XXX Refinance Cash-out - Other Primary 12/XX/2003 PA $XXX Loan Review Complete 09/16/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401547 20353501 7027 XXX Refinance Cash-out - Other Primary 12/XX/2003 PA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401547 20353502 2645 XXX Refinance Cash-out - Other Primary 12/XX/2003 PA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2006
96401547 20353503 3366 XXX Refinance Cash-out - Other Primary 12/XX/2003 PA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2006
96401546 20353504 2864 XXX Purchase Primary 12/XX/2003 CO $XXX Loan Review Complete 09/16/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401546 20353505 7027 XXX Purchase Primary 12/XX/2003 CO $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401546 20353506 25677 XXX Purchase Primary 12/XX/2003 CO $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401546 20353507 25686 XXX Purchase Primary 12/XX/2003 CO $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 12/XX/2004
96401546 20353508 6306 XXX Purchase Primary 12/XX/2003 CO $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 12/XX/2004
96401546 20353509 2641 XXX Purchase Primary 12/XX/2003 CO $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed 12/XX/2004
96401828 20353569 7027 XXX Purchase Primary 9/XX/2003 GA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401828 20353570 2798 XXX Purchase Primary 9/XX/2003 GA $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401828 20353571 2864 XXX Purchase Primary 9/XX/2003 GA $XXX Loan Review Complete 09/16/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401828 20353572 25677 XXX Purchase Primary 9/XX/2003 GA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401522 20353573 1973 XXX Refinance Rate/Term Primary 9/XX/2003 MI $XXX Loan Review Complete 09/16/2019 Compliance State Compliance Compliance open 2 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.
96401522 20353574 1976 XXX Refinance Rate/Term Primary 9/XX/2003 MI $XXX Loan Review Complete 09/16/2019 Compliance State Compliance Compliance open 2 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.
96401522 20353575 6589 XXX Refinance Rate/Term Primary 9/XX/2003 MI $XXX Loan Review Complete 09/16/2019 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96401522 20353576 25688 XXX Refinance Rate/Term Primary 9/XX/2003 MI $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 9/XX/2004
96401522 20353577 6306 XXX Refinance Rate/Term Primary 9/XX/2003 MI $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2004
96401522 20353578 2641 XXX Refinance Rate/Term Primary 9/XX/2003 MI $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed. 9/XX/2006
96401379 20353589 7027 XXX Refinance Cash-out - Other Primary 9/XX/2003 MN $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401378 20353610 7027 XXX Refinance Rate/Term Primary 8/XX/2003 IL $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96402109 20353609 7027 XXX Refinance Rate/Term Primary 8/XX/2003 GA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96402047 20353628 7027 XXX Refinance Cash-out - Other Primary 7/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96402047 20353629 2645 XXX Refinance Cash-out - Other Primary 7/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2007
96402047 20353630 3366 XXX Refinance Cash-out - Other Primary 7/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2007
96402047 20353631 3934 XXX Refinance Cash-out - Other Primary 7/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402047 20353632 2800 XXX Refinance Cash-out - Other Primary 7/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401588 20353638 25807 XXX Refinance Cash-out - Other Primary 7/XX/2003 OH $XXX Loan Review Complete 09/16/2019 Compliance State Compliance Compliance open 2 Ohio Prepayment Penalty Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance.
96402045 20353647 2798 XXX Refinance Cash-out - Other Primary 7/XX/2003 NY $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402045 20353648 611 XXX Refinance Cash-out - Other Primary 7/XX/2003 NY $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 7/XX/2006
96402045 20353649 3934 XXX Refinance Cash-out - Other Primary 7/XX/2003 NY $XXX Loan Review Complete 09/16/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402045 20353650 7027 XXX Refinance Cash-out - Other Primary 7/XX/2003 NY $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96402045 20353651 22050 XXX Refinance Cash-out - Other Primary 7/XX/2003 NY $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2006
96402045 20353652 2641 XXX Refinance Cash-out - Other Primary 7/XX/2003 NY $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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 $189.67. TIL itemization did not disclose a title pick up fee of $175.00 or a courier fee of $10.00 as a prepaid finance charge. 7/XX/2006
96401853 20353667 2798 XXX Refinance Rate/Term Primary 6/XX/2003 OK $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401853 20353668 4967 XXX Refinance Rate/Term Primary 6/XX/2003 OK $XXX Loan Review Complete 09/16/2019 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401853 20353669 2922 XXX Refinance Rate/Term Primary 6/XX/2003 OK $XXX Loan Review Complete 09/16/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401853 20353670 7027 XXX Refinance Rate/Term Primary 6/XX/2003 OK $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401853 20353671 2645 XXX Refinance Rate/Term Primary 6/XX/2003 OK $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 6/XX/2006
96401853 20353672 3366 XXX Refinance Rate/Term Primary 6/XX/2003 OK $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2006
96401853 20353673 3934 XXX Refinance Rate/Term Primary 6/XX/2003 OK $XXX Loan Review Complete 09/16/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402046 20353674 2922 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 IL $XXX Loan Review Complete 09/16/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 06/XX/2003
96401850 20353677 2800 XXX Refinance Rate/Term Primary 6/XX/2003 MO $XXX Loan Review Complete 09/16/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401998 20353711 3934 XXX Refinance Rate/Term Primary 5/XX/2003 TN $XXX Loan Review Complete 09/16/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401998 20353712 7027 XXX Refinance Rate/Term Primary 5/XX/2003 TN $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401998 20353713 2645 XXX Refinance Rate/Term Primary 5/XX/2003 TN $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2006
96401998 20353714 3366 XXX Refinance Rate/Term Primary 5/XX/2003 TN $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2006
96401998 20353715 2922 XXX Refinance Rate/Term Primary 5/XX/2003 TN $XXX Loan Review Complete 09/16/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 05/XX/2003
96402000 20353720 7027 XXX Refinance Cash-out - Other Primary 4/XX/2003 ND $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96402000 20353721 25677 XXX Refinance Cash-out - Other Primary 4/XX/2003 ND $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96402000 20353723 2641 XXX Refinance Cash-out - Other Primary 4/XX/2003 ND $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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 $135.02. Unable to determine under disclosure due to missing Itemization of Amount Financed. 4/XX/2006
96402000 20353726 2798 XXX Refinance Cash-out - Other Primary 4/XX/2003 ND $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401852 20353733 20780 XXX Refinance Cash-out - Other Primary 5/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401852 20353734 7027 XXX Refinance Cash-out - Other Primary 5/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401852 20353735 2642 XXX Refinance Cash-out - Other Primary 5/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2007
96401852 20353736 2647 XXX Refinance Cash-out - Other Primary 5/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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). 5/XX/2007
96401852 20353737 2922 XXX Refinance Cash-out - Other Primary 5/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96402001 20353742 7027 XXX Refinance Rate/Term Primary 4/XX/2003 NC $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 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.
96401999 20353746 6576 XXX Refinance Cash-out - Other Primary 4/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 3 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.
96401999 20353747 25677 XXX Refinance Cash-out - Other Primary 4/XX/2003 MA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401278 20353754 2864 XXX Refinance Rate/Term Primary 3/XX/2003 CO $XXX Loan Review Complete 09/16/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96402073 20353758 7027 XXX Purchase Primary 3/XX/2003 SC $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 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.
96402073 20353759 2641 XXX Purchase Primary 3/XX/2003 SC $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 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 $400.42. TIL itemization did not disclose a Settlement Fee of $350, a Courier Fee of $35 and a Wire Fee of $15 as prepaid finance charges. 3/XX/2004
96402073 20353760 2798 XXX Purchase Primary 3/XX/2003 SC $XXX Loan Review Complete 09/17/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401279 20353761 2798 XXX Purchase Primary 3/XX/2003 MN $XXX Loan Review Complete 09/17/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401279 20353762 7027 XXX Purchase Primary 3/XX/2003 MN $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 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.
96401726 20353767 6576 XXX Purchase Primary 3/XX/2003 CA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 3 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.
96401617 20353768 2641 XXX Purchase Primary 2/XX/2003 FL $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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 $340.01. Unable to determine under disclosure due to missing Itemization of Amount Financed. 2/XX/2004
96402072 20353769 22866 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 NC $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 (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/XX/2006
96401620 20353777 2798 XXX Refinance Rate/Term Primary 1/XX/2003 SC $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401620 20353778 7027 XXX Refinance Rate/Term Primary 1/XX/2003 SC $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401620 20353780 2922 XXX Refinance Rate/Term Primary 1/XX/2003 SC $XXX Loan Review Complete 09/16/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2003
96401619 20353792 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 FL $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401619 20353793 2642 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 FL $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2002, prior to three (3) business days from transaction date of 12/XX/2002. 12/XX/2005
96401619 20353794 3365 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 FL $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 12/XX/2005
96401619 20353795 2647 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 FL $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 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). 12/XX/2005
96401970 20353808 22050 XXX Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2005
96401970 20353809 3934 XXX Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 09/17/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401970 20353810 2800 XXX Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 09/17/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401970 20353811 611 XXX Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 09/17/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 9/XX/2005
96401618 20353844 3934 XXX Construction-Permanent Primary 3/XX/2002 GA $XXX Loan Review Complete 09/17/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401618 20353845 942 XXX Construction-Permanent Primary 3/XX/2002 GA $XXX Loan Review Complete 09/17/2019 Loan Package Documentation Application / Processing Credit open 2 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 02/XX/2002
96401618 20353846 20780 XXX Construction-Permanent Primary 3/XX/2002 GA $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 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.
96401663 20353853 25677 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2001 FL $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 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.
96401663 20353854 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2001 FL $XXX Loan Review Complete 09/17/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401663 20353855 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2001 FL $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 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.
96402020 20353860 2640 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2001 FL $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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. 8/XX/2004
96402020 20353861 2641 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2001 FL $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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. 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. 8/XX/2004
96402019 20353868 2798 XXX Refinance Rate/Term Primary 8/XX/2001 OH $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402019 20353869 7027 XXX Refinance Rate/Term Primary 8/XX/2001 OH $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96402019 20353870 25677 XXX Refinance Rate/Term Primary 8/XX/2001 OH $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401418 20353871 25677 XXX Purchase Primary 3/XX/2001 MA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401419 20353885 7027 XXX Purchase Primary 11/XX/2000 PA $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 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.
96401419 20353886 25686 XXX Purchase Primary 11/XX/2000 PA $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 11/XX/2001
96401419 20353887 6306 XXX Purchase Primary 11/XX/2000 PA $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 11/XX/2001
96401419 20353888 5010 XXX Purchase Primary 11/XX/2000 PA $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 11/XX/2001
96401419 20353889 25677 XXX Purchase Primary 11/XX/2000 PA $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 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.
96401450 20353890 3934 XXX Refinance Rate/Term Primary 4/XX/1999 DE $XXX Loan Review Complete 09/16/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401450 20353891 7027 XXX Refinance Rate/Term Primary 4/XX/1999 DE $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401450 20353892 2645 XXX Refinance Rate/Term Primary 4/XX/1999 DE $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 4/XX/2002
96401450 20353893 3366 XXX Refinance Rate/Term Primary 4/XX/1999 DE $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 4/XX/2002
96401450 20353894 2798 XXX Refinance Rate/Term Primary 4/XX/1999 DE $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401450 20353895 2800 XXX Refinance Rate/Term Primary 4/XX/1999 DE $XXX Loan Review Complete 09/16/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401451 20353896 2644 XXX Refinance Rate/Term Primary 5/XX/1999 NJ $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2002
96401451 20353897 2800 XXX Refinance Rate/Term Primary 5/XX/1999 NJ $XXX Loan Review Complete 09/16/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401451 20353898 2922 XXX Refinance Rate/Term Primary 5/XX/1999 NJ $XXX Loan Review Complete 09/16/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 05/XX/1999
96401316 20353899 2798 XXX Purchase Primary 1/XX/1999 NY $XXX Loan Review Complete 09/19/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401316 20353900 3366 XXX Purchase Primary 1/XX/1999 NY $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2000
96401316 20353901 7027 XXX Purchase Primary 1/XX/1999 NY $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 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.
96402080 20353905 3934 XXX Purchase Primary 7/XX/1998 NJ $XXX Loan Review Complete 09/17/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402080 20353906 7027 XXX Purchase Primary 7/XX/1998 NJ $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 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.
96402080 20353907 3366 XXX Purchase Primary 7/XX/1998 NJ $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/1999
96401501 20353911 942 XXX Purchase Primary 2/XX/1997 LA $XXX Loan Review Complete 09/16/2019 Loan Package Documentation Application / Processing Credit open 2 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 01/XX/1997
96401501 20353912 7027 XXX Purchase Primary 2/XX/1997 LA $XXX Loan Review Complete 09/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401952 20353919 2798 XXX Purchase Primary 5/XX/1996 NY $XXX Loan Review Complete 09/17/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401952 20353921 2800 XXX Purchase Primary 5/XX/1996 NY $XXX Loan Review Complete 09/17/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401952 20353923 3934 XXX Purchase Primary 5/XX/1996 NY $XXX Loan Review Complete 09/17/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401952 20353925 7027 XXX Purchase Primary 5/XX/1996 NY $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401952 20353927 25686 XXX Purchase Primary 5/XX/1996 NY $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 5/XX/1997
96401952 20353929 6302 XXX Purchase Primary 5/XX/1996 NY $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/1997
96401952 20353930 3366 XXX Purchase Primary 5/XX/1996 NY $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/1997
96402044 20353960 7027 XXX Refinance Rate/Term Primary 10/XX/1993 MD $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 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.
96402044 20353961 2641 XXX Refinance Rate/Term Primary 10/XX/1993 MD $XXX Loan Review Complete 09/17/2019 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed 10/XX/1996
96401474 20353972 2798 XXX Purchase Primary 3/XX/2006 CA $XXX Loan Review Complete 11/14/2016 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401474 20353978 3934 XXX Purchase Primary 3/XX/2006 CA $XXX Loan Review Complete 11/14/2016 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401474 20353980 5780 XXX Purchase Primary 3/XX/2006 CA $XXX Loan Review Complete 11/14/2016 Compliance Miscellaneous Compliance Compliance open 2 Initial TIL not provided 3/XX/2007
96401474 20353982 5445 XXX Purchase Primary 3/XX/2006 CA $XXX Loan Review Complete 11/14/2016 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401474 20353983 5861 XXX Purchase Primary 3/XX/2006 CA $XXX Loan Review Complete 11/14/2016 Compliance Federal Compliance Compliance open 2 Initial Loan Application Status Test No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.
96401474 20353984 6301 XXX Purchase Primary 3/XX/2006 CA $XXX Loan Review Complete 11/14/2016 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 3/XX/2007
96401474 20353986 6302 XXX Purchase Primary 3/XX/2006 CA $XXX Loan Review Complete 11/14/2016 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2007
96401797 20354018 5431 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 GA $XXX Loan Review Complete 02/27/2018 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
96401797 20354022 1270 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 GA $XXX Loan Review Complete 02/27/2018 Compliance Federal Compliance Compliance open 2 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.
96401797 20354026 2635 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 GA $XXX Loan Review Complete 02/27/2018 Compliance Federal Compliance Compliance open 2 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. 11/XX/2011
96401797 20354029 1277 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 GA $XXX Loan Review Complete 02/27/2018 Compliance Federal Compliance Compliance open 2 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.
96401797 20354030 18362 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 GA $XXX Loan Review Complete 02/27/2018 Compliance Federal Compliance Compliance open 2 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. Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
96401797 20354031 2633 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2010 GA $XXX Loan Review Complete 02/27/2018 Compliance Federal Compliance Compliance open 2 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. 11/XX/2011
96401662 20353998 1270 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 06/15/2016 Compliance Federal Compliance Compliance open 2 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.
96401796 20354048 1271 XXX Purchase Primary 8/XX/2013 MA $XXX Loan Review Complete 02/27/2018 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96402136 20354081 4013 XXX Purchase Primary 5/XX/2010 IL $XXX Loan Review Complete 02/03/2016 Loan Package Documentation Closing / Title Compliance cleared 12/03/2019 1 Missing Final HUD-1 Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. Reviewer Comment (2019-12-03): Final HUD-1 provided. Exception cleared.
96402136 20354082 2795 XXX Purchase Primary 5/XX/2010 IL $XXX Loan Review Complete 02/03/2016 Compliance Federal Compliance Compliance cleared 12/03/2019 1 RESPA (2010) - Initial Escrow Account Statement Missing Unable to determine if the initial escrow account statement is compliant based on missing information. Reviewer Comment (2019-12-03): Final HUD-1 provided. Exception cleared.
96402136 20354083 1325 XXX Purchase Primary 5/XX/2010 IL $XXX Loan Review Complete 02/03/2016 Compliance Federal Compliance Compliance cleared 12/03/2019 1 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information. Reviewer Comment (2019-12-03): Final HUD-1 provided. Exception cleared.
96402136 20354084 1332 XXX Purchase Primary 5/XX/2010 IL $XXX Loan Review Complete 02/03/2016 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96402136 20354085 3353 XXX Purchase Primary 5/XX/2010 IL $XXX Loan Review Complete 02/03/2016 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 2/XX/2011
96402136 20354086 3366 XXX Purchase Primary 5/XX/2010 IL $XXX Loan Review Complete 02/03/2016 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2011
96402136 20354087 6515 XXX Purchase Primary 5/XX/2010 IL $XXX Loan Review Complete 10/31/2017 Compliance Federal Compliance Compliance open 2 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.
96402136 20354088 2795 XXX Purchase Primary 5/XX/2010 IL $XXX Loan Review Complete 12/03/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Escrow Account Statement Missing RESPA (2010): Initial escrow account statement was not provided to the borrower.
96402103 20354115 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/1999 NC $XXX Loan Review Complete 05/31/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402103 20354120 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/1999 NC $XXX Loan Review Complete 05/31/2017 Compliance Federal Compliance Compliance open 2 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.
96402103 20354122 5915 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/1999 NC $XXX Loan Review Complete 05/31/2017 Compliance Federal Compliance Compliance open 3 (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.
96402103 20354124 2641 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/1999 NC $XXX Loan Review Complete 05/31/2017 Compliance Federal Compliance Compliance open 2 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. Per TIL Itemization, $490.00 Closing Attorney fee was omitted from pre-paid finance charges. 3/XX/2002
96402103 20354127 2640 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/1999 NC $XXX Loan Review Complete 05/31/2017 Compliance Federal Compliance Compliance open 2 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. 3/XX/2002
96401284 20354169 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NC $XXX Loan Review Complete 07/29/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401284 20354171 25555 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NC $XXX Loan Review Complete 07/29/2020 Missing Document General Credit open 2 Missing Document: Escrow Option Clause not provided
96401284 20354172 25435 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NC $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 Escrow Option Clause is required and was not provided. Property is located in a flood zone and is not impounded for flood insurance.
96401284 20354173 1156 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NC $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 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.
96401284 20354174 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NC $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 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.
96401284 20354175 2640 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NC $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2011
96401284 20354176 2641 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NC $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 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. 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. 3/XX/2011
96401324 20354177 1274 XXX Refinance Rate/Term Primary 12/XX/2010 CO $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401324 20354178 1491 XXX Refinance Rate/Term Primary 12/XX/2010 CO $XXX Loan Review Complete 07/27/2020 Compliance State Compliance Compliance open 2 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.
96401550 20354188 1274 XXX Purchase Primary 2/XX/2013 CO $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401550 20354189 1285 XXX Purchase Primary 2/XX/2013 CO $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401550 20354190 1287 XXX Purchase Primary 2/XX/2013 CO $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401550 20354191 1294 XXX Purchase Primary 2/XX/2013 CO $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401550 20354192 1271 XXX Purchase Primary 2/XX/2013 CO $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401326 20354198 20744 XXX Purchase Primary 3/XX/2009 MD $XXX Loan Review Complete 07/27/2020 Compliance State Compliance Compliance open 2 Maryland Ability to Repay Not Verified Maryland SB270: Borrower’s ability to repay not verified with reliable documentation.
96401856 20354201 2798 XXX Refinance Rate/Term Primary 11/XX/2007 FL $XXX Loan Review Complete 07/29/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401856 20354202 7027 XXX Refinance Rate/Term Primary 11/XX/2007 FL $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 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.
96401856 20354203 1156 XXX Refinance Rate/Term Primary 11/XX/2007 FL $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 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.
96401855 20354200 7027 XXX Refinance Cash-out - Other Primary 3/XX/2008 NM $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401485 20354204 7027 XXX Purchase Primary 12/XX/2004 PA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401283 20354205 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 CA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401763 20354211 4967 XXX Purchase Primary 2/XX/2005 NY $XXX Loan Review Complete 07/29/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401763 20354213 2641 XXX Purchase Primary 2/XX/2005 NY $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine underdisclosure due to missing itemization of amount financed. 2/XX/2006
96402110 20354214 4967 XXX Purchase Primary 8/XX/2004 TX $XXX Loan Review Complete 07/27/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96402110 20354216 23038 XXX Purchase Primary 8/XX/2004 TX $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96401224 20354224 7027 XXX Refinance Cash-out - Other Primary 4/XX/2004 OK $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96402111 20354223 6576 XXX Refinance Cash-out - Other Primary 8/XX/2003 NM $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 3 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.
96401280 20354225 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 CT $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96402049 20354236 7027 XXX Purchase Primary 7/XX/2002 CO $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401761 20354238 7027 XXX Purchase Primary 5/XX/2007 FL $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401325 20354252 6444 XXX Purchase Primary 12/XX/2010 WA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401325 20354253 1274 XXX Purchase Primary 12/XX/2010 WA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401325 20354254 2499 XXX Purchase Primary 12/XX/2010 WA $XXX Loan Review Complete 07/27/2020 Compliance State Compliance Compliance open 2 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.
96401325 20354255 6420 XXX Purchase Primary 12/XX/2010 WA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2011
96401483 20354256 6576 XXX Refinance Cash-out - Other Primary 11/XX/2003 CA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 3 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.
96401483 20354257 6302 XXX Refinance Cash-out - Other Primary 11/XX/2003 CA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2004
96401483 20354259 2641 XXX Refinance Cash-out - Other Primary 11/XX/2003 CA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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 $49.12. Unable to determine under disclosure due to missing itemization of amount financed. 11/XX/2006
96401483 20354260 7027 XXX Refinance Cash-out - Other Primary 11/XX/2003 CA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401483 20354261 25688 XXX Refinance Cash-out - Other Primary 11/XX/2003 CA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 11/XX/2004
96401347 20354265 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IL $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401347 20354266 25688 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IL $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 3/XX/2005
96401347 20354267 6306 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 IL $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 3/XX/2005
96401553 20354278 5428 XXX Purchase Primary 8/XX/2012 NY $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96401553 20354279 1275 XXX Purchase Primary 8/XX/2012 NY $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 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.
96401553 20354280 1294 XXX Purchase Primary 8/XX/2012 NY $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401553 20354281 1271 XXX Purchase Primary 8/XX/2012 NY $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401552 20354283 1274 XXX Purchase Primary 7/XX/2012 GA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401552 20354284 1294 XXX Purchase Primary 7/XX/2012 GA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401552 20354285 1271 XXX Purchase Primary 7/XX/2012 GA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401552 20354286 6514 XXX Purchase Primary 7/XX/2012 GA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401552 20354287 5437 XXX Purchase Primary 7/XX/2012 GA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401552 20354288 5438 XXX Purchase Primary 7/XX/2012 GA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401552 20354289 1303 XXX Purchase Primary 7/XX/2012 GA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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
96402112 20354291 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 NJ $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401760 20354297 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 CA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401760 20354298 22050 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 CA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2010
96401760 20354299 611 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 CA $XXX Loan Review Complete 07/27/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 9/XX/2010
96401549 20354300 1287 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401549 20354301 1294 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401549 20354302 2640 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 3.30500% is underdisclosed from calculated APR of 3.49729% outside of 0.125% tolerance. 7/XX/2016
96401549 20354303 2641 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 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 $650.03. TIL itemizaton did not disclose the origination fee of $625 as a prepaid finance charge. 7/XX/2016
96401549 20354304 1299 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 801) With Cure RESPA (2010): 0% tolerance violation for 801 fee with evidence of cure provided on Final HUD-1
96401549 20354305 1305 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 07/29/2020 Compliance Federal Compliance Compliance open 2 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
96401227 20354306 7027 XXX Refinance Rate/Term Primary 6/XX/2004 GA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96402113 20354310 2641 XXX Refinance Rate/Term Primary 5/XX/2003 FL $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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 $198.76. Unable to determine under disclosure due to missing itemization of amount financed 5/XX/2006
96401323 20354311 1274 XXX Refinance Rate/Term Primary 2/XX/2011 IL $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401323 20354312 1297 XXX Refinance Rate/Term Primary 2/XX/2011 IL $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance With Cure RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.
96401226 20354317 2864 XXX Refinance Cash-out - Other Primary 5/XX/2005 MN $XXX Loan Review Complete 07/27/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401226 20354318 3934 XXX Refinance Cash-out - Other Primary 5/XX/2005 MN $XXX Loan Review Complete 07/27/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401226 20354319 3366 XXX Refinance Cash-out - Other Primary 5/XX/2005 MN $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2008
96401226 20354320 28240 XXX Refinance Cash-out - Other Primary 5/XX/2005 MN $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 (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) 5/XX/2008
96401226 20354321 22050 XXX Refinance Cash-out - Other Primary 5/XX/2005 MN $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. 5/XX/2008
96401226 20354322 2646 XXX Refinance Cash-out - Other Primary 5/XX/2005 MN $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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. 5/XX/2008
96401554 20354323 1294 XXX Purchase Primary 6/XX/2012 DE $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401554 20354324 1271 XXX Purchase Primary 6/XX/2012 DE $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401322 20354325 1287 XXX Refinance Rate/Term Primary 6/XX/2012 IL $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401322 20354326 1294 XXX Refinance Rate/Term Primary 6/XX/2012 IL $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401322 20354327 2641 XXX Refinance Rate/Term Primary 6/XX/2012 IL $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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 $77.96. TIL itemization did not disclose a Closing Letter Protection fee of $75 as prepaid finance charge. 6/XX/2015
96401281 20354328 7027 XXX Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401281 20354329 2336 XXX Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/27/2020 Compliance State Compliance Compliance open 2 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. 3/XX/2014
96401281 20354330 2641 XXX Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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 $110.77. Unable to determine under disclosure, due to missing itemization of amount financed. 3/XX/2011
96401223 20354332 25688 XXX Refinance Cash-out - Other Primary 4/XX/2004 MO $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 4/XX/2005
96401223 20354333 6302 XXX Refinance Cash-out - Other Primary 4/XX/2004 MO $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2005
96401482 20354338 3934 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NH $XXX Loan Review Complete 07/27/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401482 20354339 25688 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NH $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 1/XX/2007
96401482 20354340 6306 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NH $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2007
96401482 20354341 611 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NH $XXX Loan Review Complete 07/27/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 1/XX/2009
96401482 20354342 22050 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NH $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 1/XX/2009
96401548 20354348 1271 XXX Purchase Primary 6/XX/2013 GA $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401225 20354352 611 XXX Purchase Primary 4/XX/2003 NJ $XXX Loan Review Complete 07/27/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 4/XX/2004
96401225 20354354 6599 XXX Purchase Primary 4/XX/2003 NJ $XXX Loan Review Complete 07/27/2020 Insurance Insurance Eligibility Credit open 3 MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD. MI per HUD $373.46 per month. MI per Initial Escrow Account Disclosure $74.67 used for testing.
96401225 20354355 7027 XXX Purchase Primary 4/XX/2003 NJ $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401225 20354356 25686 XXX Purchase Primary 4/XX/2003 NJ $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 4/XX/2004
96401225 20354357 2641 XXX Purchase Primary 4/XX/2003 NJ $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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 $1,510.18. Unable to determine under disclosure due to missing itemization of amount financed. 4/XX/2004
96401484 20354364 7027 XXX Refinance Rate/Term Second Home 11/XX/2003 TX $XXX Loan Review Complete 07/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401744 20354377 2798 XXX Purchase Primary 9/XX/1995 CT $XXX Loan Review Complete 09/10/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401744 20354378 7027 XXX Purchase Primary 9/XX/1995 CT $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401632 20354379 1268 XXX Purchase Primary 7/XX/1994 TX $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96402011 20354389 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 GA $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96402011 20354390 22050 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 GA $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. 2/XX/2005
96402011 20354391 2641 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 GA $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 2/XX/2005
96401910 20354398 7027 XXX Refinance Cash-out - Other Primary 11/XX/2002 MA $XXX Loan Review Complete 01/25/2020 Compliance Federal Compliance Compliance open 2 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.
96401910 20354399 2798 XXX Refinance Cash-out - Other Primary 11/XX/2002 MA $XXX Loan Review Complete 01/28/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402128 20354422 25677 XXX Refinance Rate/Term Primary 4/XX/2003 CO $XXX Loan Review Complete 01/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401583 20354423 2647 XXX Refinance Cash-out - Other Primary 5/XX/2003 RI $XXX Loan Review Complete 07/02/2018 Compliance Federal Compliance Compliance open 2 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). 5/XX/2006
96401583 20354424 22866 XXX Refinance Cash-out - Other Primary 5/XX/2003 RI $XXX Loan Review Complete 07/09/2018 Compliance Federal Compliance Compliance open 2 (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. 5/XX/2006
96401583 20354425 2644 XXX Refinance Cash-out - Other Primary 5/XX/2003 RI $XXX Loan Review Complete 07/09/2018 Compliance Federal Compliance Compliance open 2 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. 5/XX/2006
96401578 20354433 2641 XXX Purchase Primary 7/XX/2003 DE $XXX Loan Review Complete 09/06/2019 Compliance Federal Compliance Compliance open 2 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 $321.72. Unable to determine under disclosure due to missing itemization of amount financed. 7/XX/2004
96401579 20354434 23933 XXX Refinance Rate/Term Primary 6/XX/2003 NC $XXX Loan Review Complete 09/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96401579 20354435 2922 XXX Refinance Rate/Term Primary 6/XX/2003 NC $XXX Loan Review Complete 09/12/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 05/XX/2003
96401579 20354436 7027 XXX Refinance Rate/Term Primary 6/XX/2003 NC $XXX Loan Review Complete 09/12/2019 Compliance Federal Compliance Compliance open 2 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.
96401579 20354437 22866 XXX Refinance Rate/Term Primary 6/XX/2003 NC $XXX Loan Review Complete 09/12/2019 Compliance Federal Compliance Compliance open 2 (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. 6/XX/2006
96401579 20354438 25677 XXX Refinance Rate/Term Primary 6/XX/2003 NC $XXX Loan Review Complete 09/12/2019 Compliance Federal Compliance Compliance open 2 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.
96401579 20354440 2798 XXX Refinance Rate/Term Primary 6/XX/2003 NC $XXX Loan Review Complete 09/13/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401579 20354442 2800 XXX Refinance Rate/Term Primary 6/XX/2003 NC $XXX Loan Review Complete 09/13/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401575 20354444 7027 XXX Purchase Primary 6/XX/2003 OH $XXX Loan Review Complete 09/13/2019 Compliance Federal Compliance Compliance open 2 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.
96401575 20354445 2641 XXX Purchase Primary 6/XX/2003 OH $XXX Loan Review Complete 09/13/2019 Compliance Federal Compliance Compliance open 2 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 $414.13. Unable to determine under disclosure due to missing itemization of amount financed. 6/XX/2004
96401575 20354446 3934 XXX Purchase Primary 6/XX/2003 OH $XXX Loan Review Complete 09/13/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401655 20354460 6302 XXX Refinance Rate/Term Primary 8/XX/2003 PA $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2004
96401652 20354464 2876 XXX Refinance Rate/Term Primary 11/XX/2003 SC $XXX Loan Review Complete 09/07/2019 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Security Instrument - Subject Lien not provided
96401652 20354465 3934 XXX Refinance Rate/Term Primary 11/XX/2003 SC $XXX Loan Review Complete 09/07/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401652 20354466 23933 XXX Refinance Rate/Term Primary 11/XX/2003 SC $XXX Loan Review Complete 09/07/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96401652 20354467 7027 XXX Refinance Rate/Term Primary 11/XX/2003 SC $XXX Loan Review Complete 09/07/2019 Compliance Federal Compliance Compliance open 2 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.
96401652 20354468 2645 XXX Refinance Rate/Term Primary 11/XX/2003 SC $XXX Loan Review Complete 09/07/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 11/XX/2006
96401652 20354469 3366 XXX Refinance Rate/Term Primary 11/XX/2003 SC $XXX Loan Review Complete 09/07/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 11/XX/2006
96401758 20354477 2641 XXX Purchase Primary 7/XX/2003 PA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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 $2,748.34. Unable to determine cause of under disclosure due to missing amortization schedule. 7/XX/2004
96401716 20354480 2864 XXX Purchase Primary 1/XX/2004 GA $XXX Loan Review Complete 01/27/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401716 20354481 7027 XXX Purchase Primary 1/XX/2004 GA $XXX Loan Review Complete 01/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401716 20354482 25677 XXX Purchase Primary 1/XX/2004 GA $XXX Loan Review Complete 01/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401715 20354483 3934 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MA $XXX Loan Review Complete 09/02/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401715 20354484 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MA $XXX Loan Review Complete 09/02/2019 Compliance Federal Compliance Compliance open 2 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.
96401715 20354485 2641 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MA $XXX Loan Review Complete 09/02/2019 Compliance Federal Compliance Compliance open 2 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 $35.24. TIL itemization did not disclose a wire fee of $30 as prepaid finance charge. 3/XX/2008
96401712 20354486 611 XXX Purchase Primary 2/XX/2004 DE $XXX Loan Review Complete 09/02/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 2/XX/2005
96401712 20354487 7027 XXX Purchase Primary 2/XX/2004 DE $XXX Loan Review Complete 09/02/2019 Compliance Federal Compliance Compliance open 2 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.
96401841 20354492 2644 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 NJ $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2007
96401840 20354496 611 XXX Purchase Primary 5/XX/2004 MD $XXX Loan Review Complete 08/17/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 5/XX/2005
96401835 20354502 2798 XXX Refinance Rate/Term Primary 9/XX/2004 TN $XXX Loan Review Complete 08/17/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401835 20354503 7027 XXX Refinance Rate/Term Primary 9/XX/2004 TN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401693 20354505 2645 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 MO $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/2007
96402068 20354506 3934 XXX Purchase Primary 11/XX/2004 NJ $XXX Loan Review Complete 09/04/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402068 20354507 7027 XXX Purchase Primary 11/XX/2004 NJ $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96402068 20354508 25677 XXX Purchase Primary 11/XX/2004 NJ $XXX Loan Review Complete 09/04/2019 Compliance Federal Compliance Compliance open 2 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.
96402061 20354515 22137 XXX Refinance Rate/Term Primary 2/XX/2005 TN $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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
96402061 20354516 2645 XXX Refinance Rate/Term Primary 2/XX/2005 TN $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2008
96402061 20354517 3365 XXX Refinance Rate/Term Primary 2/XX/2005 TN $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 2/XX/2008
96401312 20354518 3934 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 NH $XXX Loan Review Complete 01/14/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401312 20354519 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 NH $XXX Loan Review Complete 01/14/2020 Compliance Federal Compliance Compliance open 2 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.
96401312 20354520 2642 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 NH $XXX Loan Review Complete 01/14/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2008
96401877 20354522 4929 XXX Refinance Cash-out - Other Primary 8/XX/2005 WA $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96401877 20354523 2922 XXX Refinance Cash-out - Other Primary 8/XX/2005 WA $XXX Loan Review Complete 08/17/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2005
96401878 20354530 5445 XXX Refinance Cash-out - Other Primary 7/XX/2005 AZ $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401878 20354531 2641 XXX Refinance Cash-out - Other Primary 7/XX/2005 AZ $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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 $110.71. Unable to determine cause of under disclosure due to missing itemization of amount financed. 7/XX/2008
96401878 20354532 7027 XXX Refinance Cash-out - Other Primary 7/XX/2005 AZ $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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.
96401875 20354533 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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.
96401873 20354534 1891 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 MA $XXX Loan Review Complete 09/10/2020 Compliance State Compliance Compliance open 2 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. 9/XX/2008
96401873 20354535 22050 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 MA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2009
96401870 20354539 7027 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 01/14/2020 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401867 20354540 2798 XXX Refinance Cash-out - Home Improvement Primary 10/XX/2005 FL $XXX Loan Review Complete 08/29/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402018 20354551 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 MN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96402018 20354552 2641 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 MN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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 $160.00. TIL itemization did not disclose a recording service fee of $55 and a a courier fee of $50 as prepaid finance charges. TIL Itemization only disclosed settlement closing cost at $195 and final HUD reflects $250. 12/XX/2008
96402018 20354553 5445 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 MN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401683 20354554 25677 XXX Purchase Primary 2/XX/2006 LA $XXX Loan Review Complete 01/27/2020 Compliance Federal Compliance Compliance open 2 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.
96401683 20354555 2798 XXX Purchase Primary 2/XX/2006 LA $XXX Loan Review Complete 01/28/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401683 20354556 7027 XXX Purchase Primary 2/XX/2006 LA $XXX Loan Review Complete 01/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401937 20354562 22050 XXX Refinance Cash-out - Other Primary 6/XX/2006 PA $XXX Loan Review Complete 01/27/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 6/XX/2009
96401937 20354563 3365 XXX Refinance Cash-out - Other Primary 6/XX/2006 PA $XXX Loan Review Complete 01/27/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 6/XX/2009
96401937 20354564 611 XXX Refinance Cash-out - Other Primary 6/XX/2006 PA $XXX Loan Review Complete 01/27/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 6/XX/2009
96401242 20354568 2641 XXX Purchase Primary 5/XX/2006 AL $XXX Loan Review Complete 07/13/2018 Compliance Federal Compliance Compliance open 2 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. Unable to determine the reason for the under disclosure of $143.24 as the file did not contain the itemization of amount financed. 5/XX/2007
96401241 20354577 2800 XXX Purchase Primary 12/XX/2006 OK $XXX Loan Review Complete 08/23/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401241 20354578 3365 XXX Purchase Primary 12/XX/2006 OK $XXX Loan Review Complete 08/23/2019 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 12/XX/2007
96401277 20354582 7027 XXX Purchase Primary 2/XX/2007 NC $XXX Loan Review Complete 08/23/2019 Compliance Federal Compliance Compliance open 2 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.
96401277 20354583 25677 XXX Purchase Primary 2/XX/2007 NC $XXX Loan Review Complete 08/23/2019 Compliance Federal Compliance Compliance open 2 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.
96402158 20354597 7027 XXX Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 08/25/2019 Compliance Federal Compliance Compliance open 2 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.
96402158 20354598 25677 XXX Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 08/25/2019 Compliance Federal Compliance Compliance open 2 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.
96401884 20354600 25677 XXX Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401884 20354601 2642 XXX Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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. 5/XX/2010
96401533 20354606 2864 XXX Purchase Primary 7/XX/2007 GA $XXX Loan Review Complete 08/26/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401666 20354602 3934 XXX Purchase Primary 6/XX/2007 PA $XXX Loan Review Complete 09/10/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401666 20354603 5445 XXX Purchase Primary 6/XX/2007 PA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401666 20354604 7027 XXX Purchase Primary 6/XX/2007 PA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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.
96401666 20354605 25677 XXX Purchase Primary 6/XX/2007 PA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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.
96401532 20354608 7027 XXX Purchase Primary 8/XX/2007 NC $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401532 20354609 25677 XXX Purchase Primary 8/XX/2007 NC $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401343 20354627 3934 XXX Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 01/15/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401507 20354628 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 MD $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401507 20354629 25677 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 MD $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401342 20354630 5445 XXX Purchase Primary 2/XX/2008 MN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401342 20354631 25158 XXX Purchase Primary 2/XX/2008 MN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 (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.
96401342 20354632 7027 XXX Purchase Primary 2/XX/2008 MN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401342 20354633 1268 XXX Purchase Primary 2/XX/2008 MN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401342 20354634 25677 XXX Purchase Primary 2/XX/2008 MN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401342 20354635 20735 XXX Purchase Primary 2/XX/2008 MN $XXX Loan Review Complete 08/17/2020 Compliance State Compliance Compliance open 2 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.
96401341 20354639 7027 XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Loan Review Complete 01/15/2020 Compliance Federal Compliance Compliance open 2 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.
96401341 20354640 25677 XXX Refinance Rate/Term Primary 2/XX/2008 CA $XXX Loan Review Complete 01/15/2020 Compliance Federal Compliance Compliance open 2 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.
96401339 20354641 7027 XXX Refinance Rate/Term Primary 3/XX/2008 MA $XXX Loan Review Complete 01/15/2020 Compliance Federal Compliance Compliance open 2 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.
96401339 20354642 25677 XXX Refinance Rate/Term Primary 3/XX/2008 MA $XXX Loan Review Complete 01/15/2020 Compliance Federal Compliance Compliance open 2 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.
96401339 20354643 1891 XXX Refinance Rate/Term Primary 3/XX/2008 MA $XXX Loan Review Complete 01/15/2020 Compliance State Compliance Compliance open 2 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. 3/XX/2011
96401339 20354644 20804 XXX Refinance Rate/Term Primary 3/XX/2008 MA $XXX Loan Review Complete 01/15/2020 Compliance State Compliance Compliance open 2 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
96401337 20354649 1268 XXX Refinance Rate/Term Primary 3/XX/2008 FL $XXX Loan Review Complete 07/29/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401337 20354650 25677 XXX Refinance Rate/Term Primary 3/XX/2008 FL $XXX Loan Review Complete 07/29/2019 Compliance Federal Compliance Compliance open 2 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.
96401337 20354651 2641 XXX Refinance Rate/Term Primary 3/XX/2008 FL $XXX Loan Review Complete 07/29/2019 Compliance Federal Compliance Compliance open 2 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. TIL itemization did not disclose an email fee of $25 and a post close fee of $250 as prepaid finance charges. 3/XX/2011
96401337 20354652 3934 XXX Refinance Rate/Term Primary 3/XX/2008 FL $XXX Loan Review Complete 07/29/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401370 20354690 2864 XXX Purchase Second Home 8/XX/2008 NY $XXX Loan Review Complete 06/11/2018 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401370 20354691 1270 XXX Purchase Second Home 8/XX/2008 NY $XXX Loan Review Complete 06/11/2018 Compliance Federal Compliance Compliance open 2 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.
96401368 20354692 2798 XXX Refinance Cash-out - Other Primary 6/XX/2005 GA $XXX Loan Review Complete 09/05/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401368 20354693 3934 XXX Refinance Cash-out - Other Primary 6/XX/2005 GA $XXX Loan Review Complete 09/05/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401368 20354694 5445 XXX Refinance Cash-out - Other Primary 6/XX/2005 GA $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401368 20354695 7027 XXX Refinance Cash-out - Other Primary 6/XX/2005 GA $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401368 20354696 25677 XXX Refinance Cash-out - Other Primary 6/XX/2005 GA $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401368 20354697 2646 XXX Refinance Cash-out - Other Primary 6/XX/2005 GA $XXX Loan Review Complete 09/05/2019 Compliance Federal Compliance Compliance open 2 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. 6/XX/2008
96401368 20354698 2800 XXX Refinance Cash-out - Other Primary 6/XX/2005 GA $XXX Loan Review Complete 09/07/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401367 20354709 3934 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WA $XXX Loan Review Complete 07/31/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401367 20354710 5445 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WA $XXX Loan Review Complete 07/31/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401367 20354711 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WA $XXX Loan Review Complete 07/31/2019 Compliance Federal Compliance Compliance open 2 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.
96401367 20354712 25677 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WA $XXX Loan Review Complete 07/31/2019 Compliance Federal Compliance Compliance open 2 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.
96401366 20354699 2798 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/10/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401366 20354700 3934 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/10/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401366 20354701 20780 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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.
96401366 20354702 7027 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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.
96401366 20354703 25677 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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.
96401366 20354704 22051 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/10/2020 Compliance State Compliance Compliance open 2 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.
96401366 20354705 2642 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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. 10/XX/2008
96401366 20354706 2646 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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. 10/XX/2008
96401366 20354707 4967 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/10/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401366 20354708 2922 XXX Refinance Cash-out - Other Primary 10/XX/2005 PA $XXX Loan Review Complete 09/10/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401364 20354716 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 NJ $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401264 20354723 5445 XXX Refinance Rate/Term Primary 6/XX/2009 AR $XXX Loan Review Complete 08/01/2019 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401264 20354724 25677 XXX Refinance Rate/Term Primary 6/XX/2009 AR $XXX Loan Review Complete 08/01/2019 Compliance Federal Compliance Compliance open 2 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.
96401966 20354729 25677 XXX Refinance Rate/Term Primary 9/XX/2009 MN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401966 20354730 2641 XXX Refinance Rate/Term Primary 9/XX/2009 MN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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 $910.92. Unable to determine under disclosure due to missing itemization of amount financed. 9/XX/2012
96401964 20354746 3934 XXX Refinance Rate/Term Primary 11/XX/2009 ME $XXX Loan Review Complete 09/10/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401964 20354747 2922 XXX Refinance Rate/Term Primary 11/XX/2009 ME $XXX Loan Review Complete 09/10/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 11/XX/2009
96401964 20354748 25158 XXX Refinance Rate/Term Primary 11/XX/2009 ME $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 (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.
96401964 20354749 7027 XXX Refinance Rate/Term Primary 11/XX/2009 ME $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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.
96401964 20354750 2633 XXX Refinance Rate/Term Primary 11/XX/2009 ME $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/2010
96401964 20354751 6576 XXX Refinance Rate/Term Primary 11/XX/2009 ME $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 3 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.
96401960 20354783 3934 XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 08/01/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401960 20354784 25158 XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 08/01/2019 Compliance Federal Compliance Compliance open 2 (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.
96401960 20354786 6576 XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 08/01/2019 Compliance Federal Compliance Compliance open 3 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.
96401960 20354787 7027 XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 08/01/2019 Compliance Federal Compliance Compliance open 2 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.
96401960 20354789 2633 XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 08/01/2019 Compliance Federal Compliance Compliance open 2 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. 1/XX/2011
96401960 20354791 22050 XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 08/01/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 1/XX/2013
96401960 20354793 2800 XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 08/02/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401960 20354794 2922 XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 08/02/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2010
96401960 20354795 613 XXX Refinance Rate/Term Primary 1/XX/2010 NJ $XXX Loan Review Complete 08/02/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 1/XX/2013
96401978 20354861 1274 XXX Purchase Second Home 6/XX/2010 CA $XXX Loan Review Complete 08/13/2019 Compliance Federal Compliance Compliance open 2 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.
96401978 20354862 25677 XXX Purchase Second Home 6/XX/2010 CA $XXX Loan Review Complete 08/13/2019 Compliance Federal Compliance Compliance open 2 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.
96401978 20354863 1271 XXX Purchase Second Home 6/XX/2010 CA $XXX Loan Review Complete 08/13/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401792 20354864 25158 XXX Refinance Cash-out - Other Primary 6/XX/2010 VA $XXX Loan Review Complete 08/13/2019 Compliance Federal Compliance Compliance open 2 (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.
96401792 20354865 1274 XXX Refinance Cash-out - Other Primary 6/XX/2010 VA $XXX Loan Review Complete 08/13/2019 Compliance Federal Compliance Compliance open 2 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.
96401792 20354866 1268 XXX Refinance Cash-out - Other Primary 6/XX/2010 VA $XXX Loan Review Complete 08/13/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401792 20354867 18362 XXX Refinance Cash-out - Other Primary 6/XX/2010 VA $XXX Loan Review Complete 08/13/2019 Compliance Federal Compliance Compliance open 2 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.
96401790 20354885 25158 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 08/02/2019 Compliance Federal Compliance Compliance open 2 (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.
96401790 20354886 1332 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 08/02/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401790 20354887 2634 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 08/02/2019 Compliance Federal Compliance Compliance open 2 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. 7/XX/2011
96401790 20354888 22050 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 08/02/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2013
96401790 20354889 613 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 08/02/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 7/XX/2013
96401790 20354890 3934 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 08/02/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401790 20354891 2922 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 08/05/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2010
96401790 20354892 2798 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 08/05/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401790 20354893 2800 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 08/05/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401790 20354894 22866 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 (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. 7/XX/2013
96401790 20354895 1327 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401790 20354896 2864 XXX Refinance Rate/Term Primary 7/XX/2010 SD $XXX Loan Review Complete 09/24/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401787 20354920 25158 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 (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.
96401787 20354921 1274 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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.
96401787 20354922 1288 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Term on Final GFE Inaccurate RESPA (2010): Loan Term on Final GFE does not match Note.
96401787 20354923 1294 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401787 20354924 25677 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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.
96401787 20354925 1327 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401787 20354926 2635 XXX Refinance Cash-out - Other Primary 8/XX/2010 NJ $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2011
96401607 20354932 25158 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NC $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 (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.
96401607 20354933 1274 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NC $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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.
96401607 20354934 25677 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NC $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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.
96401607 20354935 7087 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NC $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401607 20354936 18362 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NC $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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.
96401607 20354937 2640 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2010 NC $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 4.04000% is underdisclosed from calculated APR of 4.70491% outside of 0.125% tolerance. 12/XX/2013
96401606 20354957 2922 XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 08/03/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401606 20354958 3934 XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 08/03/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401606 20354959 25158 XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 08/03/2019 Compliance Federal Compliance Compliance open 2 (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.
96401606 20354960 7027 XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 08/03/2019 Compliance Federal Compliance Compliance open 2 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.
96401606 20354961 7087 XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 08/03/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401606 20354962 1327 XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 08/03/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401606 20354963 1332 XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 08/03/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401606 20354964 2633 XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 08/03/2019 Compliance Federal Compliance Compliance open 2 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. 12/XX/2011
96401606 20354965 22050 XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 08/03/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 12/XX/2013
96401606 20354967 2641 XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 08/06/2019 Compliance Federal Compliance Compliance open 2 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 $43.36. Unable to determine under disclosure due to missing itemization of amount financed. 12/XX/2013
96401606 20354968 613 XXX Refinance Rate/Term Primary 12/XX/2010 FL $XXX Loan Review Complete 08/06/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 12/XX/2013
96401603 20354992 5445 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2011 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401603 20354993 25677 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2011 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401603 20354994 1287 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2011 NJ $XXX Loan Review Complete 01/18/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401603 20354995 1294 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2011 NJ $XXX Loan Review Complete 01/18/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401603 20354996 2635 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2011 NJ $XXX Loan Review Complete 01/18/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2012
96401393 20355015 5431 XXX Purchase Primary 6/XX/2011 IN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
96401393 20355016 1271 XXX Purchase Primary 6/XX/2011 IN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401393 20355017 7115 XXX Purchase Primary 6/XX/2011 IN $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
96401394 20355018 25158 XXX Refinance Rate/Term Primary 6/XX/2011 NM $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 (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.
96401394 20355019 5440 XXX Refinance Rate/Term Primary 6/XX/2011 NM $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401394 20355020 1274 XXX Refinance Rate/Term Primary 6/XX/2011 NM $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401394 20355021 1287 XXX Refinance Rate/Term Primary 6/XX/2011 NM $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401394 20355022 1294 XXX Refinance Rate/Term Primary 6/XX/2011 NM $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401394 20355023 1327 XXX Refinance Rate/Term Primary 6/XX/2011 NM $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401394 20355024 2922 XXX Refinance Rate/Term Primary 6/XX/2011 NM $XXX Loan Review Complete 08/17/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 05/XX/2011
96401394 20355025 3350 XXX Refinance Rate/Term Primary 6/XX/2011 NM $XXX Loan Review Complete 08/17/2020 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401392 20355043 25158 XXX Purchase Primary 6/XX/2011 CA $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 (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.
96401392 20355044 1274 XXX Purchase Primary 6/XX/2011 CA $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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.
96401390 20355045 25158 XXX Purchase Primary 8/XX/2011 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 (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.
96401390 20355046 1274 XXX Purchase Primary 8/XX/2011 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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.
96401390 20355047 2587 XXX Purchase Primary 8/XX/2011 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. The HUD I and Initial Escrow Account Disclosure have monthly escrow as $350.46, The final TIL has monthly escrow as $350.49. 8/XX/2012
96401390 20355048 2591 XXX Purchase Primary 8/XX/2011 NJ $XXX Loan Review Complete 08/14/2019 Compliance Federal Compliance Compliance open 2 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. 8/XX/2012
96401472 20355052 25158 XXX Purchase Primary 8/XX/2011 CA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 (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.
96401472 20355054 1274 XXX Purchase Primary 8/XX/2011 CA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401472 20355055 1312 XXX Purchase Primary 8/XX/2011 CA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401472 20355056 1325 XXX Purchase Primary 8/XX/2011 CA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401472 20355057 1271 XXX Purchase Primary 8/XX/2011 CA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401472 20355058 1327 XXX Purchase Primary 8/XX/2011 CA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401472 20355059 2641 XXX Purchase Primary 8/XX/2011 CA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 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. 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. 8/XX/2012
96401472 20355060 7027 XXX Purchase Primary 8/XX/2011 CA $XXX Loan Review Complete 08/06/2019 Compliance Federal Compliance Compliance open 2 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.
96401472 20355061 1277 XXX Purchase Primary 8/XX/2011 CA $XXX Loan Review Complete 08/06/2019 Compliance Federal Compliance Compliance open 2 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.
96401472 20355062 25677 XXX Purchase Primary 8/XX/2011 CA $XXX Loan Review Complete 08/06/2019 Compliance Federal Compliance Compliance open 2 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.
96401472 20355063 2633 XXX Purchase Primary 8/XX/2011 CA $XXX Loan Review Complete 08/06/2019 Compliance Federal Compliance Compliance open 2 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. 8/XX/2012
96401467 20355070 2798 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/05/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401467 20355071 3934 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/05/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401467 20355072 25158 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 (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.
96401467 20355073 24490 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401467 20355074 7087 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401467 20355075 1332 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401467 20355076 22050 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 10/XX/2014
96401467 20355078 2642 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 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. 10/XX/2014
96401467 20355080 2647 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 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). 10/XX/2014
96401467 20355081 2800 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/06/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401467 20355084 22137 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/06/2019 Compliance Federal Compliance Compliance open 2 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
96401467 20355085 613 XXX Refinance Rate/Term Primary 10/XX/2011 GA $XXX Loan Review Complete 08/06/2019 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 10/XX/2014
96401466 20355077 7027 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401466 20355079 5434 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401466 20355082 6514 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401466 20355083 5437 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401466 20355086 6509 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401466 20355087 1277 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 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.
96401466 20355088 1271 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401466 20355089 2633 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2012
96401466 20355090 2587 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2012
96401466 20355091 2591 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/05/2019 Compliance Federal Compliance Compliance open 2 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. 9/XX/2012
96401466 20355092 2798 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/06/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401466 20355093 18362 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/08/2019 Compliance Federal Compliance Compliance open 2 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.
96401466 20355094 5662 XXX Purchase Primary 9/XX/2011 SC $XXX Loan Review Complete 08/08/2019 Compliance State Compliance Compliance open 2 South Carolina CHL Complaint Agency Disclosure Timing Test Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 9/XX/2017
96401463 20355095 1274 XXX Purchase Second Home 10/XX/2011 CA $XXX Loan Review Complete 08/06/2019 Compliance Federal Compliance Compliance open 2 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.
96401463 20355096 1277 XXX Purchase Second Home 10/XX/2011 CA $XXX Loan Review Complete 08/06/2019 Compliance Federal Compliance Compliance open 2 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.
96401463 20355097 1271 XXX Purchase Second Home 10/XX/2011 CA $XXX Loan Review Complete 08/06/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401463 20355098 2641 XXX Purchase Second Home 10/XX/2011 CA $XXX Loan Review Complete 08/06/2019 Compliance Federal Compliance Compliance open 2 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 $855.45. TIL Itemization did not disclose a Settlement fee of $929 as a prepaid finance charge.
96401460 20355100 2922 XXX Refinance Rate/Term Primary 12/XX/2011 IA $XXX Loan Review Complete 01/16/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2011
96401460 20355101 3350 XXX Refinance Rate/Term Primary 12/XX/2011 IA $XXX Loan Review Complete 01/16/2020 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401460 20355102 5428 XXX Refinance Rate/Term Primary 12/XX/2011 IA $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96401460 20355103 1274 XXX Refinance Rate/Term Primary 12/XX/2011 IA $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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.
96401460 20355104 1287 XXX Refinance Rate/Term Primary 12/XX/2011 IA $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401460 20355105 1294 XXX Refinance Rate/Term Primary 12/XX/2011 IA $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401460 20355106 25677 XXX Refinance Rate/Term Primary 12/XX/2011 IA $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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.
96402029 20355150 2800 XXX Refinance Rate/Term Primary 12/XX/2011 TX $XXX Loan Review Complete 01/16/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96402029 20355151 25158 XXX Refinance Rate/Term Primary 12/XX/2011 TX $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 (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.
96402029 20355152 5440 XXX Refinance Rate/Term Primary 12/XX/2011 TX $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96402029 20355153 1277 XXX Refinance Rate/Term Primary 12/XX/2011 TX $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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.
96402029 20355154 1287 XXX Refinance Rate/Term Primary 12/XX/2011 TX $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96402029 20355155 1294 XXX Refinance Rate/Term Primary 12/XX/2011 TX $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96402029 20355156 25677 XXX Refinance Rate/Term Primary 12/XX/2011 TX $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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.
96402029 20355157 18362 XXX Refinance Rate/Term Primary 12/XX/2011 TX $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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.
96402029 20355158 2635 XXX Refinance Rate/Term Primary 12/XX/2011 TX $XXX Loan Review Complete 01/16/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2012
96401802 20355162 770 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401802 20355163 1274 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401802 20355164 1285 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401802 20355166 1294 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401802 20355167 25677 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401802 20355168 1271 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401802 20355169 1327 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401802 20355170 2641 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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. TIL itemization did not disclose Fee Collected - Purpose Not Disclosed of $355.00 as a prepaid finance charge. 3/XX/2013
96401802 20355171 3350 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401800 20355173 768 XXX Refinance Rate/Term Primary 3/XX/2012 KY $XXX Loan Review Complete 01/17/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: Days before settlement not provided. GFE Date: 01/XX/2012
96401800 20355174 25158 XXX Refinance Rate/Term Primary 3/XX/2012 KY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 (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.
96401800 20355175 1274 XXX Refinance Rate/Term Primary 3/XX/2012 KY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401800 20355176 1287 XXX Refinance Rate/Term Primary 3/XX/2012 KY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401800 20355177 1294 XXX Refinance Rate/Term Primary 3/XX/2012 KY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401822 20355178 7027 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401822 20355179 7087 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401822 20355180 1332 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401822 20355181 22050 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2015
96401822 20355183 3934 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401822 20355184 2800 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401822 20355185 5434 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401822 20355186 6514 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401822 20355187 5437 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401822 20355188 6509 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401822 20355189 18362 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401822 20355190 2633 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2013
96401822 20355191 2634 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2013
96401822 20355192 613 XXX Refinance Rate/Term Primary 4/XX/2012 VA $XXX Loan Review Complete 01/17/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 4/XX/2015
96401821 20355196 5440 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401821 20355197 1274 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401821 20355198 25677 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401821 20355199 1271 XXX Purchase Primary 3/XX/2012 NJ $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401819 20355220 611 XXX Purchase Primary 4/XX/2012 PA $XXX Loan Review Complete 01/17/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 4/XX/2013
96401819 20355221 770 XXX Purchase Primary 4/XX/2012 PA $XXX Loan Review Complete 01/17/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401819 20355222 5445 XXX Purchase Primary 4/XX/2012 PA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
96401819 20355223 25158 XXX Purchase Primary 4/XX/2012 PA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 (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.
96401819 20355224 7027 XXX Purchase Primary 4/XX/2012 PA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401819 20355225 1274 XXX Purchase Primary 4/XX/2012 PA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401819 20355226 1277 XXX Purchase Primary 4/XX/2012 PA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401819 20355227 25677 XXX Purchase Primary 4/XX/2012 PA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401819 20355228 1271 XXX Purchase Primary 4/XX/2012 PA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401819 20355229 18362 XXX Purchase Primary 4/XX/2012 PA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401819 20355230 2633 XXX Purchase Primary 4/XX/2012 PA $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2013
96401815 20355258 1274 XXX Refinance Rate/Term Primary 6/XX/2012 WI $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401815 20355261 1326 XXX Refinance Rate/Term Primary 6/XX/2012 WI $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401815 20355262 2635 XXX Refinance Rate/Term Primary 6/XX/2012 WI $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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. 6/XX/2013
96402005 20355292 2864 XXX Purchase Primary 8/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96402005 20355293 25158 XXX Purchase Primary 8/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 (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.
96402005 20355294 5437 XXX Purchase Primary 8/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96402005 20355295 1274 XXX Purchase Primary 8/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96402005 20355296 25677 XXX Purchase Primary 8/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96402005 20355297 1271 XXX Purchase Primary 8/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96402005 20355298 2641 XXX Purchase Primary 8/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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 $1,330.83. The TIL underdisclosure is due to audited TIL calculating the MI falling off prior to when the lender did. 8/XX/2013
96401438 20355300 1323 XXX Refinance Rate/Term Primary 7/XX/2012 TX $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.
96401438 20355301 1327 XXX Refinance Rate/Term Primary 7/XX/2012 TX $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401438 20355302 2922 XXX Refinance Rate/Term Primary 7/XX/2012 TX $XXX Loan Review Complete 01/17/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2012
96401435 20355303 1274 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 PA $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401435 20355304 1277 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 PA $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401435 20355305 1325 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 PA $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401435 20355306 5445 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 PA $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401432 20355307 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NC $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401432 20355308 1274 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NC $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401432 20355309 1277 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NC $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401432 20355310 25677 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NC $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401432 20355311 2633 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NC $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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. 9/XX/2013
96401432 20355312 18362 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NC $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401432 20355313 5434 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NC $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401432 20355314 6514 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NC $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401432 20355315 5437 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NC $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401432 20355316 6509 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2012 NC $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401429 20355333 612 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL signed by all required parties is blank Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 12/XX/2015
96401429 20355334 25158 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 (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.
96401429 20355335 7087 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401429 20355336 1327 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401429 20355337 1332 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401429 20355338 21706 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.
96401429 20355339 22050 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/17/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 12/XX/2015
96401429 20355340 2922 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/20/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2012
96401429 20355341 7027 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401429 20355342 25677 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401429 20355343 2633 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2013
96401429 20355344 2634 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2013
96401429 20355345 28193 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401624 20355358 5428 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96401624 20355359 5431 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
96401624 20355360 1274 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401624 20355361 1277 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401624 20355362 1287 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401624 20355363 1294 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401624 20355364 1326 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401624 20355365 25677 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401624 20355366 18362 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401624 20355367 2633 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2014
96401624 20355369 6509 XXX Refinance Rate/Term Primary 4/XX/2013 FL $XXX Loan Review Complete 08/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401629 20355374 5428 XXX Refinance Rate/Term Primary 2/XX/2013 NM $XXX Loan Review Complete 01/19/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96401629 20355375 1274 XXX Refinance Rate/Term Primary 2/XX/2013 NM $XXX Loan Review Complete 01/19/2020 Compliance Federal Compliance Compliance open 2 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.
96401629 20355376 1285 XXX Refinance Rate/Term Primary 2/XX/2013 NM $XXX Loan Review Complete 01/19/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401629 20355377 1287 XXX Refinance Rate/Term Primary 2/XX/2013 NM $XXX Loan Review Complete 01/19/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401629 20355378 1288 XXX Refinance Rate/Term Primary 2/XX/2013 NM $XXX Loan Review Complete 01/19/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Term on Final GFE Inaccurate RESPA (2010): Loan Term on Final GFE does not match Note.
96401629 20355379 1294 XXX Refinance Rate/Term Primary 2/XX/2013 NM $XXX Loan Review Complete 01/19/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401629 20355380 25677 XXX Refinance Rate/Term Primary 2/XX/2013 NM $XXX Loan Review Complete 01/19/2020 Compliance Federal Compliance Compliance open 2 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.
96401629 20355381 2635 XXX Refinance Rate/Term Primary 2/XX/2013 NM $XXX Loan Review Complete 01/19/2020 Compliance Federal Compliance Compliance open 2 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/XX/2014
96401629 20355382 2641 XXX Refinance Rate/Term Primary 2/XX/2013 NM $XXX Loan Review Complete 01/19/2020 Compliance Federal Compliance Compliance open 2 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 $66.94. Unable to determine under disclosure due to missing Itemization of Finance Charges for correct loan amount. 2/XX/2016
96401621 20355368 5791 XXX Refinance Rate/Term Primary 6/XX/2013 CA $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401621 20355370 25158 XXX Refinance Rate/Term Primary 6/XX/2013 CA $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 (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.
96401621 20355371 1274 XXX Refinance Rate/Term Primary 6/XX/2013 CA $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401621 20355372 25677 XXX Refinance Rate/Term Primary 6/XX/2013 CA $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401621 20355373 18362 XXX Refinance Rate/Term Primary 6/XX/2013 CA $XXX Loan Review Complete 01/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401622 20355383 2864 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/16/2019 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401622 20355384 7027 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401622 20355385 5434 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/16/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401622 20355386 6514 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/16/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401622 20355387 5437 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/16/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401622 20355388 6509 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/16/2019 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401622 20355389 1277 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401622 20355390 25677 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401622 20355391 1271 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/16/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401622 20355392 18362 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/16/2019 Compliance Federal Compliance Compliance open 2 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.
96401622 20355393 2633 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/16/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2014
96401622 20355394 1303 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/17/2019 Compliance Federal Compliance Compliance open 2 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
96401622 20355395 2922 XXX Purchase Primary 5/XX/2013 FL $XXX Loan Review Complete 08/17/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401900 20355401 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 FL $XXX Loan Review Complete 01/14/2020 Compliance Federal Compliance Compliance open 2 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.
96401900 20355402 1274 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 FL $XXX Loan Review Complete 01/14/2020 Compliance Federal Compliance Compliance open 2 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.
96401900 20355403 1277 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 FL $XXX Loan Review Complete 01/14/2020 Compliance Federal Compliance Compliance open 2 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.
96401900 20355404 25677 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 FL $XXX Loan Review Complete 01/14/2020 Compliance Federal Compliance Compliance open 2 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.
96401900 20355405 18362 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 FL $XXX Loan Review Complete 01/14/2020 Compliance Federal Compliance Compliance open 2 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.
96401900 20355406 2633 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 FL $XXX Loan Review Complete 01/14/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2015
96401900 20355407 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 FL $XXX Loan Review Complete 01/14/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2017
96401777 20355421 2798 XXX Purchase Primary 1/XX/1997 NJ $XXX Loan Review Complete 09/10/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401777 20355422 7027 XXX Purchase Primary 1/XX/1997 NJ $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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.
96401777 20355423 6302 XXX Purchase Primary 1/XX/1997 NJ $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/1998
96401777 20355424 3366 XXX Purchase Primary 1/XX/1997 NJ $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/1998
96401777 20355425 3934 XXX Purchase Primary 1/XX/1997 NJ $XXX Loan Review Complete 09/10/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401932 20355428 22137 XXX Refinance Rate/Term Primary 3/XX/2004 GA $XXX Loan Review Complete 01/21/2020 Compliance Federal Compliance Compliance open 2 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
96401457 20355435 25688 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 5/XX/2005
96401457 20355436 6302 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2005
96401457 20355437 2647 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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). 5/XX/2007
96401457 20355438 2922 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 09/10/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2004
96401745 20355475 3934 XXX Purchase Primary 7/XX/1995 NY $XXX Loan Review Complete 09/17/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401745 20355476 2922 XXX Purchase Primary 7/XX/1995 NY $XXX Loan Review Complete 09/17/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/1995
96401745 20355477 2641 XXX Purchase Primary 7/XX/1995 NY $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 7/XX/1996
96402133 20355478 2798 XXX Purchase Primary 9/XX/1999 FL $XXX Loan Review Complete 09/17/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402133 20355479 7027 XXX Purchase Primary 9/XX/1999 FL $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 1 months prior to consummation. A lookback was performed to determine this application date.
96402010 20355480 7027 XXX Purchase Primary 8/XX/2002 IN $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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 1 months prior to consummation. A lookback was performed to determine this application date.
96401908 20355488 22050 XXX Refinance Rate/Term Primary 11/XX/2002 IL $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. 11/XX/2005
96401909 20355487 2641 XXX Refinance Rate/Term Primary 11/XX/2002 KY $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $400.02. TIL itemization did not disclosure an attorney fee of $400 as prepaid finance charge. 11/XX/2005
96401907 20355490 7027 XXX Purchase Primary 1/XX/2003 OR $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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.
96402132 20355498 7027 XXX Refinance Rate/Term Primary 5/XX/2003 IL $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96402132 20355499 22050 XXX Refinance Rate/Term Primary 5/XX/2003 IL $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. 5/XX/2006
96401905 20355500 2798 XXX Refinance Rate/Term Primary 5/XX/2003 RI $XXX Loan Review Complete 09/10/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401905 20355501 3934 XXX Refinance Rate/Term Primary 5/XX/2003 RI $XXX Loan Review Complete 09/10/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401905 20355502 7027 XXX Refinance Rate/Term Primary 5/XX/2003 RI $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance open 2 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.
96402130 20355504 2641 XXX Refinance Rate/Term Primary 4/XX/2003 LA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine cause of underdisclosure due to missing itemization of amount financed. 4/XX/2006
96402130 20355505 3934 XXX Refinance Rate/Term Primary 4/XX/2003 LA $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401582 20355514 2798 XXX Refinance Cash-out - Other Primary 6/XX/2003 WV $XXX Loan Review Complete 09/17/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401580 20355520 2800 XXX Refinance Rate/Term Primary 6/XX/2003 TX $XXX Loan Review Complete 09/17/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401580 20355521 7027 XXX Refinance Rate/Term Primary 6/XX/2003 TX $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401580 20355522 25677 XXX Refinance Rate/Term Primary 6/XX/2003 TX $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401580 20355523 2641 XXX Refinance Rate/Term Primary 6/XX/2003 TX $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $194.84. Unable to determine under disclosure due to missing itemization of amount financed. 6/XX/2006
96401580 20355524 2922 XXX Refinance Rate/Term Primary 6/XX/2003 TX $XXX Loan Review Complete 09/17/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401581 20355525 25677 XXX Refinance Cash-out - Other Primary 6/XX/2003 RI $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401581 20355526 2641 XXX Refinance Cash-out - Other Primary 6/XX/2003 RI $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $63.70. Unable to determine underdisclosure due to missing itemization of amount financed. 6/XX/2006
96401581 20355527 2800 XXX Refinance Cash-out - Other Primary 6/XX/2003 RI $XXX Loan Review Complete 09/17/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401581 20355528 2798 XXX Refinance Cash-out - Other Primary 6/XX/2003 RI $XXX Loan Review Complete 09/17/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401581 20355529 7027 XXX Refinance Cash-out - Other Primary 6/XX/2003 RI $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401577 20355533 7027 XXX Purchase Primary 4/XX/2003 GA $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401574 20355538 1268 XXX Refinance Rate/Term Primary 8/XX/2003 NC $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401574 20355539 2644 XXX Refinance Rate/Term Primary 8/XX/2003 NC $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2006
96401574 20355540 2641 XXX Refinance Rate/Term Primary 8/XX/2003 NC $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of Amount Financed. 8/XX/2006
96401573 20355534 2798 XXX Purchase Primary 8/XX/2003 AL $XXX Loan Review Complete 09/17/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401573 20355535 7027 XXX Purchase Primary 8/XX/2003 AL $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401573 20355536 25505 XXX Purchase Primary 8/XX/2003 AL $XXX Loan Review Complete 09/17/2020 Compliance State Compliance Compliance open 2 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.
96401573 20355537 3366 XXX Purchase Primary 8/XX/2003 AL $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2004
96401657 20355549 7027 XXX Refinance Cash-out - Other Primary 8/XX/2003 MT $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401657 20355550 2641 XXX Refinance Cash-out - Other Primary 8/XX/2003 MT $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $331.08. Unable to determine under disclosure due to missing Itemization of Amount Financed. 8/XX/2006
96401657 20355551 4929 XXX Refinance Cash-out - Other Primary 8/XX/2003 MT $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2006
96401654 20355560 2800 XXX Refinance Rate/Term Primary 10/XX/2003 SC $XXX Loan Review Complete 09/17/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401654 20355561 2922 XXX Refinance Rate/Term Primary 10/XX/2003 SC $XXX Loan Review Complete 09/17/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401653 20355566 7027 XXX Refinance Rate/Term Primary 10/XX/2003 CA $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401651 20355568 2922 XXX Purchase Primary 11/XX/2003 NJ $XXX Loan Review Complete 09/17/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 11/XX/2003
96401650 20355569 7027 XXX Refinance Cash-out - Other Primary 11/XX/2003 GA $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401717 20355576 2641 XXX Refinance Rate/Term Primary 12/XX/2003 NC $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $257.59. Unable to determine under disclosure due to missing itemization of amount financed. 12/XX/2006
96401718 20355572 2864 XXX Purchase Primary 11/XX/2003 AK $XXX Loan Review Complete 09/17/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401718 20355573 7027 XXX Purchase Primary 11/XX/2003 AK $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401718 20355574 25677 XXX Purchase Primary 11/XX/2003 AK $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401718 20355575 25686 XXX Purchase Primary 11/XX/2003 AK $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 11/XX/2004
96401406 20355578 7027 XXX Purchase Primary 11/XX/2003 SC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401406 20355579 1268 XXX Purchase Primary 11/XX/2003 SC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401406 20355580 25677 XXX Purchase Primary 11/XX/2003 SC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401406 20355581 25686 XXX Purchase Primary 11/XX/2003 SC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 11/XX/2004
96401406 20355582 2864 XXX Purchase Primary 11/XX/2003 SC $XXX Loan Review Complete 09/24/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401406 20355583 2641 XXX Purchase Primary 11/XX/2003 SC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed. 11/XX/2004
96401714 20355585 2641 XXX Refinance Rate/Term Primary 2/XX/2004 MN $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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. Under disclosure due to TIL itemization did not disclose a settlement fee in the amount of $250 as a prepaid finance charge. 2/XX/2007
96401713 20355586 611 XXX Refinance Cash-out - Other Primary 11/XX/2003 NJ $XXX Loan Review Complete 09/17/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 11/XX/2006
96401713 20355587 613 XXX Refinance Cash-out - Other Primary 11/XX/2003 NJ $XXX Loan Review Complete 09/17/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 11/XX/2006
96401713 20355588 22050 XXX Refinance Cash-out - Other Primary 11/XX/2003 NJ $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 11/XX/2006
96401711 20355597 7027 XXX Purchase Primary 4/XX/2004 MA $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401842 20355598 25677 XXX Refinance Rate/Term Primary 4/XX/2004 KY $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401837 20355601 7027 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401837 20355602 25677 XXX Purchase Primary 8/XX/2004 AL $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401836 20355604 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 CA $XXX Loan Review Complete 09/17/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401836 20355605 3934 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 CA $XXX Loan Review Complete 09/17/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401836 20355606 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 CA $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401836 20355607 2641 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 CA $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $106.42. TIL itemization did not disclose courier fees totaling $106.42 as prepaid finance charge. 8/XX/2007
96402069 20355627 2864 XXX Refinance Rate/Term Primary 12/XX/2004 GA $XXX Loan Review Complete 09/17/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96402067 20355628 3934 XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402067 20355629 2922 XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2004
96402067 20355630 20780 XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402067 20355631 7027 XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402067 20355632 2645 XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2007
96402067 20355633 2798 XXX Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402066 20355634 23933 XXX Refinance Rate/Term Primary 12/XX/2004 MN $XXX Loan Review Complete 09/17/2020 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96402066 20355635 2922 XXX Refinance Rate/Term Primary 12/XX/2004 MN $XXX Loan Review Complete 09/17/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96402066 20355636 28240 XXX Refinance Rate/Term Primary 12/XX/2004 MN $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 (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) 12/XX/2007
96402066 20355637 3365 XXX Refinance Rate/Term Primary 12/XX/2004 MN $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 12/XX/2007
96402065 20355638 28240 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CT $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 (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) 12/XX/2007
96402065 20355639 2641 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CT $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed. 12/XX/2007
96402063 20355646 2641 XXX Refinance Cash-out - Other Primary 9/XX/2004 OH $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $282.83. TIL itemization did not include the following fees as finance charges, $20 Flood Cert, $225 Closing Fee, $11 Verification Fee and $30 Courier Fees. 9/XX/2007
96402062 20355643 7027 XXX Refinance Rate/Term Primary 1/XX/2005 GA $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96402062 20355644 25677 XXX Refinance Rate/Term Primary 1/XX/2005 GA $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96402062 20355645 2641 XXX Refinance Rate/Term Primary 1/XX/2005 GA $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $1,667.66. Unable to determine under disclosure due to missing Itemization of Amount Financed 1/XX/2008
96402060 20355649 1268 XXX Purchase Primary 3/XX/2005 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401313 20355650 5445 XXX Purchase Primary 3/XX/2005 NY $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401313 20355651 7027 XXX Purchase Primary 3/XX/2005 NY $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401313 20355652 2641 XXX Purchase Primary 3/XX/2005 NY $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $1,128.75. TIL itemization did not disclose$250 appraisal fee or $775 attorney fee as prepaid finance charge 3/XX/2006
96401311 20355655 2641 XXX Purchase Primary 4/XX/2005 PA $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $2,672.35. Unable to determine under disclosure due to missing itemization of amount financed. 4/XX/2006
96401310 20355658 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 NJ $XXX Loan Review Complete 09/17/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401310 20355659 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 NJ $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401309 20355670 2647 XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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). 6/XX/2008
96401307 20355675 5445 XXX Purchase Primary 5/XX/2005 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401308 20355676 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 09/17/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401308 20355677 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401876 20355679 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NC $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401876 20355680 1268 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NC $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401876 20355682 25677 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NC $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401876 20355684 2641 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NC $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $56.45. Unable to determine under disclosure due to missing Itemization of Amount Financed 9/XX/2008
96401871 20355690 5445 XXX Purchase Primary 6/XX/2005 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401869 20355697 5445 XXX Purchase Primary 10/XX/2005 WI $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401869 20355698 2641 XXX Purchase Primary 10/XX/2005 WI $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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 $870.23. Unable to determine under disclosure due to missing itemization of amount financed. 10/XX/2006
96401868 20355701 1268 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401868 20355702 2641 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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. TIL itemization did not disclose a closing package pick up fee of $200 as prepaid finance charge 10/XX/2008
96401684 20355705 7027 XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance open 2 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.
96401682 20355708 2864 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 FL $XXX Loan Review Complete 09/24/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401935 20355713 2798 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401935 20355714 7027 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401935 20355715 22050 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. 5/XX/2009
96401934 20355722 2641 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 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. 7/XX/2009
96401492 20355720 2645 XXX Refinance Rate/Term Primary 5/XX/2006 NC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2009
96401491 20355724 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401491 20355725 25677 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401491 20355726 2641 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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 $52.30. Unable to determine cause of under disclosure due to missing final itemization of amount financed. 9/XX/2009
96401490 20355738 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401490 20355739 25677 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402162 20355750 7027 XXX Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402160 20355752 2798 XXX Refinance Cash-out - Other Primary 4/XX/2007 WV $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402160 20355753 7027 XXX Refinance Cash-out - Other Primary 4/XX/2007 WV $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402160 20355754 25677 XXX Refinance Cash-out - Other Primary 4/XX/2007 WV $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401534 20355774 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 PA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401534 20355775 2922 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 PA $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 04/XX/2007
96401534 20355776 1268 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401534 20355777 2641 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. Under disclosure due to an error on final TIL, document in file. Refund to the borrower in an amount of $391 post closing. 5/XX/2010
96401513 20355786 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 AZ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401513 20355787 25677 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 AZ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401513 20355788 2641 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 AZ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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 $99.98. Unable to determine reason for under disclosure due to missing itemization of amount financed 9/XX/2010
96401510 20355792 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 PA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401510 20355793 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401510 20355794 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401510 20355795 1268 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401510 20355796 25677 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401510 20355797 2642 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/2008
96401510 20355798 2646 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/2008
96401510 20355799 4967 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 PA $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401510 20355800 2922 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 PA $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401510 20355801 3934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 PA $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401510 20355802 454 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 PA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Credit open 3 (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 Appears that loan was structured with credit life insurance, however the disclosure is blank.
96401508 20355803 3934 XXX Purchase Primary 11/XX/2007 WI $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401509 20355804 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 GA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401509 20355805 4967 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 GA $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401509 20355806 2922 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 GA $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401509 20355807 6568 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 GA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401509 20355808 3934 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 GA $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401509 20355809 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 GA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401509 20355810 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 GA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401509 20355811 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 GA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2009
96401509 20355812 454 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 GA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Credit open 3 (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 Appears that loan was structured with credit life insurance, however the disclosure is blank.
96401506 20355818 2336 XXX Purchase Primary 12/XX/2007 SC $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 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. 12/XX/2013
96401345 20355822 7027 XXX Refinance Cash-out - Other Primary 12/XX/2007 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401345 20355824 25677 XXX Refinance Cash-out - Other Primary 12/XX/2007 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401344 20355887 3365 XXX Purchase Second Home 1/XX/2008 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.
96401340 20355831 2798 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401340 20355832 4967 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401340 20355833 3934 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401340 20355834 20780 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401340 20355835 7027 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401340 20355836 1267 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96401340 20355837 22050 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2008
96401340 20355838 2642 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 9/XX/2008
96401340 20355839 2644 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 9/XX/2008
96401340 20355840 2646 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 9/XX/2008
96401340 20355841 2922 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401340 20355842 454 XXX Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Credit open 3 (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 Appears that loan was structured with credit life insurance, however the disclosure is blank.
96401338 20355843 5445 XXX Refinance Rate/Term Primary 3/XX/2008 CO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401338 20355844 25677 XXX Refinance Rate/Term Primary 3/XX/2008 CO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401338 20355845 1469 XXX Refinance Rate/Term Primary 3/XX/2008 CO $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. 3/XX/2009
96401529 20355847 7027 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401529 20355848 3934 XXX Purchase Primary 2/XX/2008 FL $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401336 20355849 3934 XXX Refinance Cash-out - Other Primary 4/XX/2008 IL $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401336 20355850 7027 XXX Refinance Cash-out - Other Primary 4/XX/2008 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401336 20355851 25677 XXX Refinance Cash-out - Other Primary 4/XX/2008 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402099 20355856 25677 XXX Refinance Rate/Term Primary 6/XX/2008 AZ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402098 20355869 2798 XXX Purchase Primary 5/XX/2008 TX $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402098 20355870 3934 XXX Purchase Primary 5/XX/2008 TX $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402097 20355871 2798 XXX Refinance Rate/Term Primary 6/XX/2008 CO $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402097 20355872 6520 XXX Refinance Rate/Term Primary 6/XX/2008 CO $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 Miscellaneous Compliance: Non-Material Compliance Exception: 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.
96402097 20355873 1469 XXX Refinance Rate/Term Primary 6/XX/2008 CO $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. 6/XX/2009
96402097 20355874 2645 XXX Refinance Rate/Term Primary 6/XX/2008 CO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 6/XX/2011
96402096 20355875 2798 XXX Refinance Rate/Term Primary 6/XX/2008 AL $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401369 20355883 7027 XXX Refinance Rate/Term Primary 9/XX/2008 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401369 20355884 1268 XXX Refinance Rate/Term Primary 9/XX/2008 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401369 20355885 25677 XXX Refinance Rate/Term Primary 9/XX/2008 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401369 20355886 2798 XXX Refinance Rate/Term Primary 9/XX/2008 FL $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401365 20355894 2798 XXX Refinance Cash-out - Other Primary 9/XX/2003 CO $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401365 20355895 7027 XXX Refinance Cash-out - Other Primary 9/XX/2003 CO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401365 20355896 25677 XXX Refinance Cash-out - Other Primary 9/XX/2003 CO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401365 20355897 25686 XXX Refinance Cash-out - Other Primary 9/XX/2003 CO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 9/XX/2004
96401365 20355898 6302 XXX Refinance Cash-out - Other Primary 9/XX/2003 CO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2004
96401365 20355899 3934 XXX Refinance Cash-out - Other Primary 9/XX/2003 CO $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401270 20355904 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2008 AL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401269 20355905 2336 XXX Refinance Cash-out - Other Primary 2/XX/2009 SC $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 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/XX/2015
96401268 20355906 2641 XXX Purchase Primary 3/XX/2009 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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 $346.01. TIL itemization did not disclose an email fee of $50 and a title settlement fee of $296 as prepaid finance charge 3/XX/2010
96401267 20355907 2798 XXX Refinance Cash-out - Other Primary 4/XX/2009 LA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401267 20355908 7027 XXX Refinance Cash-out - Other Primary 4/XX/2009 LA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401267 20355909 25677 XXX Refinance Cash-out - Other Primary 4/XX/2009 LA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401266 20355915 5791 XXX Refinance Rate/Term Primary 4/XX/2009 MT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401263 20355916 2798 XXX Refinance Rate/Term Primary 6/XX/2009 ME $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401263 20355917 25158 XXX Refinance Rate/Term Primary 6/XX/2009 ME $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401263 20355918 6576 XXX Refinance Rate/Term Primary 6/XX/2009 ME $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 3 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.
96401263 20355919 1267 XXX Refinance Rate/Term Primary 6/XX/2009 ME $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96401263 20355920 2645 XXX Refinance Rate/Term Primary 6/XX/2009 ME $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 6/XX/2012
96401263 20355921 3366 XXX Refinance Rate/Term Primary 6/XX/2009 ME $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2012
96401263 20355922 3934 XXX Refinance Rate/Term Primary 6/XX/2009 ME $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401263 20355923 2922 XXX Refinance Rate/Term Primary 6/XX/2009 ME $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401261 20355935 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2009 PA $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401261 20355936 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2009 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401261 20355937 3934 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2009 PA $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401967 20355948 7027 XXX Refinance Rate/Term Primary 10/XX/2009 KY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401967 20355949 25677 XXX Refinance Rate/Term Primary 10/XX/2009 KY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401967 20355950 2633 XXX Refinance Rate/Term Primary 10/XX/2009 KY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 10/XX/2010
96401965 20355963 2922 XXX Refinance Rate/Term Primary 10/XX/2009 MD $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2009
96401965 20355964 25158 XXX Refinance Rate/Term Primary 10/XX/2009 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401965 20355965 25677 XXX Refinance Rate/Term Primary 10/XX/2009 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401965 20355966 21660 XXX Refinance Rate/Term Primary 10/XX/2009 MD $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 Maryland Mortgage Lending Regulations (Balloon Notice Not Provided) Maryland Mortgage Lending Regulations: Balloon Notice not provided to borrower.
96401965 20355967 1883 XXX Refinance Rate/Term Primary 10/XX/2009 MD $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
96401965 20355968 20745 XXX Refinance Rate/Term Primary 10/XX/2009 MD $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 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.
96401963 20355969 2798 XXX Refinance Rate/Term Primary 12/XX/2009 CA $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401963 20355971 25158 XXX Refinance Rate/Term Primary 12/XX/2009 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401963 20355973 6576 XXX Refinance Rate/Term Primary 12/XX/2009 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 3 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.
96401963 20355975 23038 XXX Refinance Rate/Term Primary 12/XX/2009 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96401963 20355976 2645 XXX Refinance Rate/Term Primary 12/XX/2009 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2012
96401963 20355978 3366 XXX Refinance Rate/Term Primary 12/XX/2009 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2012
96401963 20355979 3934 XXX Refinance Rate/Term Primary 12/XX/2009 CA $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401963 20355980 23933 XXX Refinance Rate/Term Primary 12/XX/2009 CA $XXX Loan Review Complete 09/24/2020 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96401963 20355982 2922 XXX Refinance Rate/Term Primary 12/XX/2009 CA $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 11/XX/2009
96401962 20355999 7027 XXX Refinance Cash-out - Other Primary 12/XX/2009 ID $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401962 20356000 2633 XXX Refinance Cash-out - Other Primary 12/XX/2009 ID $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2010
96401961 20356007 25677 XXX Purchase Primary 12/XX/2009 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401961 20356008 2641 XXX Purchase Primary 12/XX/2009 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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 $105.59. Unable to determine under disclosure due to missing Itemization of Amount Financed. 12/XX/2010
96401985 20356021 613 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 1/XX/2013
96401985 20356022 3934 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401985 20356023 25158 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401985 20356024 6576 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 3 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. 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.
96401985 20356025 7027 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401985 20356026 1883 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
96401985 20356027 20744 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 Maryland Ability to Repay Not Verified Maryland SB270: Borrower’s ability to repay not verified with reliable documentation.
96401985 20356028 2633 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2011
96401985 20356029 2634 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2011
96401985 20356030 22050 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 1/XX/2013
96401985 20356031 4967 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401985 20356032 2922 XXX Refinance Rate/Term Primary 2/XX/2010 MD $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401986 20356033 2922 XXX Refinance Rate/Term Primary 1/XX/2010 ME $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401983 20356054 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401983 20356055 5429 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 801) Without Cure RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.
96401983 20356056 5432 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
96401983 20356058 1274 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401983 20356059 1277 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401983 20356060 1326 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401983 20356061 25677 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401983 20356062 18362 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401983 20356063 6413 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 MA $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 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.
96401983 20356065 2633 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2011
96401984 20356052 25158 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 IA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401984 20356053 5428 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 IA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96401984 20356057 7115 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 IA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
96401984 20356064 1327 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 IA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401984 20356066 2641 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 IA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $89.93. Unable to determine under disclosure due to missing itemization of amount financed. 3/XX/2013
96401982 20356067 25158 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401982 20356068 7027 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401982 20356069 7087 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401982 20356070 1327 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401982 20356071 1332 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401982 20356072 22050 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2013
96401982 20356073 613 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 3/XX/2013
96401982 20356074 3934 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401982 20356075 2922 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2010
96401982 20356076 2633 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2011
96401982 20356077 2634 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2011
96401982 20356078 28241 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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) 3/XX/2013
96401980 20356096 3934 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401980 20356097 25158 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401980 20356098 7027 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401980 20356099 1327 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401980 20356100 1332 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401980 20356101 6223 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.
96401980 20356102 3353 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 5/XX/2011
96401980 20356103 22050 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 5/XX/2013
96401980 20356104 2641 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed. 5/XX/2013
96401980 20356105 4929 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 5/XX/2013
96401980 20356106 4967 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401980 20356107 2922 XXX Refinance Rate/Term Primary 5/XX/2010 ID $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401981 20356108 5430 XXX Refinance Cash-out - Other Primary 4/XX/2010 NC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
96401979 20356109 5445 XXX Purchase Primary 5/XX/2010 AZ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401979 20356110 1274 XXX Purchase Primary 5/XX/2010 AZ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401979 20356111 25677 XXX Purchase Primary 5/XX/2010 AZ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401979 20356112 1271 XXX Purchase Primary 5/XX/2010 AZ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401979 20356113 2635 XXX Purchase Primary 5/XX/2010 AZ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 5/XX/2011
96401793 20356192 25158 XXX Purchase Primary 6/XX/2010 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401793 20356194 7027 XXX Purchase Primary 6/XX/2010 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401793 20356196 1274 XXX Purchase Primary 6/XX/2010 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401793 20356198 1277 XXX Purchase Primary 6/XX/2010 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401793 20356200 25677 XXX Purchase Primary 6/XX/2010 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401793 20356202 18362 XXX Purchase Primary 6/XX/2010 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401793 20356204 2633 XXX Purchase Primary 6/XX/2010 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 6/XX/2011
96401793 20356206 1272 XXX Purchase Primary 6/XX/2010 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. Missing the Lender's Initial application date.
96401791 20356187 1274 XXX Refinance Cash-out - Other Primary 5/XX/2010 NV $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401791 20356189 3350 XXX Refinance Cash-out - Other Primary 5/XX/2010 NV $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401786 20356159 1327 XXX Refinance Rate/Term Primary 9/XX/2010 IN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401786 20356160 3353 XXX Refinance Rate/Term Primary 9/XX/2010 IN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 9/XX/2011
96401789 20356188 2864 XXX Purchase Primary 7/XX/2010 FL $XXX Loan Review Complete 09/24/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401789 20356190 1274 XXX Purchase Primary 7/XX/2010 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401789 20356191 1326 XXX Purchase Primary 7/XX/2010 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401789 20356208 1268 XXX Purchase Primary 7/XX/2010 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401789 20356211 1271 XXX Purchase Primary 7/XX/2010 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401789 20356212 18362 XXX Purchase Primary 7/XX/2010 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401788 20356193 2864 XXX Purchase Primary 8/XX/2010 PA $XXX Loan Review Complete 09/24/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401788 20356195 5445 XXX Purchase Primary 8/XX/2010 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
96401788 20356197 7027 XXX Purchase Primary 8/XX/2010 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401788 20356199 5431 XXX Purchase Primary 8/XX/2010 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
96401788 20356201 1274 XXX Purchase Primary 8/XX/2010 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401788 20356203 1277 XXX Purchase Primary 8/XX/2010 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401788 20356205 25677 XXX Purchase Primary 8/XX/2010 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401788 20356207 1271 XXX Purchase Primary 8/XX/2010 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401788 20356209 18362 XXX Purchase Primary 8/XX/2010 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401788 20356210 2633 XXX Purchase Primary 8/XX/2010 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2011
96401785 20356243 2864 XXX Purchase Primary 11/XX/2010 KS $XXX Loan Review Complete 09/24/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401785 20356244 3350 XXX Purchase Primary 11/XX/2010 KS $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401785 20356245 1274 XXX Purchase Primary 11/XX/2010 KS $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401785 20356246 1287 XXX Purchase Primary 11/XX/2010 KS $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401785 20356247 1294 XXX Purchase Primary 11/XX/2010 KS $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401785 20356248 1323 XXX Purchase Primary 11/XX/2010 KS $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.
96401785 20356249 25677 XXX Purchase Primary 11/XX/2010 KS $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401785 20356250 1271 XXX Purchase Primary 11/XX/2010 KS $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401785 20356251 3353 XXX Purchase Primary 11/XX/2010 KS $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 11/XX/2011
96401783 20356253 2798 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401783 20356254 4967 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401783 20356255 3934 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401783 20356256 25158 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401783 20356257 1307 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401783 20356258 7087 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401783 20356259 1327 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401783 20356260 1332 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401783 20356261 28241 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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) 11/XX/2013
96401783 20356262 22050 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 11/XX/2013
96401783 20356263 3366 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 11/XX/2013
96401783 20356264 2922 XXX Refinance Rate/Term Primary 11/XX/2010 NJ $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401781 20356265 2800 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401781 20356266 3934 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401781 20356267 2922 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401781 20356268 25158 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401781 20356269 7027 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401781 20356270 1325 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.
96401781 20356271 7087 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401781 20356272 1327 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401781 20356273 1332 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401781 20356274 3353 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 12/XX/2011
96401781 20356275 22137 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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
96401781 20356276 22050 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 12/XX/2013
96401781 20356277 2642 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2010, prior to three (3) business days from transaction date of 12/XX/2010. 12/XX/2013
96401781 20356278 3365 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 12/XX/2013
96401781 20356279 20779 XXX Refinance Rate/Term Primary 12/XX/2010 NV $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 Nevada Home Loan (Ability to Repay not Verified) Nevada Home Loan: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment.
96401784 20356285 25158 XXX Purchase Primary 10/XX/2010 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401784 20356286 1277 XXX Purchase Primary 10/XX/2010 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401784 20356287 1271 XXX Purchase Primary 10/XX/2010 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401784 20356288 2635 XXX Purchase Primary 10/XX/2010 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 10/XX/2011
96401609 20356294 25158 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401609 20356295 1325 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401609 20356296 7087 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401609 20356297 1327 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401609 20356298 1332 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401609 20356299 2634 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2011
96401609 20356300 28240 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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) 12/XX/2013
96401609 20356301 22050 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 12/XX/2013
96401609 20356304 3934 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401609 20356306 2922 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2010
96401609 20356308 613 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 12/XX/2013
96401609 20356311 7027 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401609 20356313 25677 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401609 20356315 2633 XXX Refinance Rate/Term Primary 12/XX/2010 WI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2011
96401782 20356289 25158 XXX Refinance Rate/Term Investment 11/XX/2010 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401782 20356290 7027 XXX Refinance Rate/Term Investment 11/XX/2010 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401782 20356291 20787 XXX Refinance Rate/Term Investment 11/XX/2010 MN $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 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.
96401782 20356292 1992 XXX Refinance Rate/Term Investment 11/XX/2010 MN $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 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.
96401782 20356293 5670 XXX Refinance Rate/Term Investment 11/XX/2010 MN $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 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.
96401780 20356327 3350 XXX Purchase Primary 12/XX/2010 AR $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401780 20356328 769 XXX Purchase Primary 12/XX/2010 AR $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: Rate lock period not provided. GFE Date: 11/XX/2010
96401780 20356329 1274 XXX Purchase Primary 12/XX/2010 AR $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401780 20356330 25677 XXX Purchase Primary 12/XX/2010 AR $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401780 20356331 1271 XXX Purchase Primary 12/XX/2010 AR $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401780 20356332 1327 XXX Purchase Primary 12/XX/2010 AR $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401780 20356333 2922 XXX Purchase Primary 12/XX/2010 AR $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2010
96401608 20356321 1274 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401608 20356322 1277 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401608 20356323 2633 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2011
96401608 20356324 2641 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $99.99. Unable to determine cause of under disclosure due to missing itemization of amount financed. 11/XX/2013
96401608 20356325 1287 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401608 20356326 1294 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401605 20356350 2798 XXX Purchase Primary 1/XX/2011 MI $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401605 20356351 25158 XXX Purchase Primary 1/XX/2011 MI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401605 20356352 1274 XXX Purchase Primary 1/XX/2011 MI $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401604 20356353 2800 XXX Refinance Rate/Term Second Home 1/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401604 20356354 3934 XXX Refinance Rate/Term Second Home 1/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401604 20356355 2922 XXX Refinance Rate/Term Second Home 1/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401604 20356356 1325 XXX Refinance Rate/Term Second Home 1/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401604 20356357 7087 XXX Refinance Rate/Term Second Home 1/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401604 20356358 1327 XXX Refinance Rate/Term Second Home 1/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401604 20356359 1332 XXX Refinance Rate/Term Second Home 1/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401604 20356360 2634 XXX Refinance Rate/Term Second Home 1/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2012
96401604 20356361 3366 XXX Refinance Rate/Term Second Home 1/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2012
96401604 20356362 5440 XXX Refinance Rate/Term Second Home 1/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401602 20356418 2798 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401602 20356419 7027 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401602 20356420 28193 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401602 20356421 1274 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401602 20356422 1277 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401602 20356423 1285 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401602 20356424 1287 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401602 20356425 1294 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401602 20356426 25677 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401602 20356427 18362 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401602 20356428 1859 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 Maryland Counseling Disclosure Not In File Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.
96401602 20356429 1883 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
96401602 20356430 2633 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2012
96401602 20356431 2635 XXX Refinance Rate/Term Primary 3/XX/2011 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2012
96401601 20356432 3934 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401601 20356433 5445 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401601 20356434 25158 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401601 20356435 7027 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401601 20356436 23081 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401601 20356437 28193 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401601 20356438 25677 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401601 20356439 7087 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401601 20356442 1327 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401601 20356445 1332 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401601 20356447 2633 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2012
96401601 20356449 2634 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2012
96401601 20356450 2635 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2012
96401601 20356451 28240 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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) 3/XX/2014
96401601 20356452 22050 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2014
96401601 20356453 3366 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2014
96401601 20356454 2922 XXX Refinance Rate/Term Primary 3/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401600 20356455 25158 XXX Refinance Cash-out - Other Primary 3/XX/2011 VA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401600 20356456 1277 XXX Refinance Cash-out - Other Primary 3/XX/2011 VA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401600 20356457 18362 XXX Refinance Cash-out - Other Primary 3/XX/2011 VA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401600 20356458 3353 XXX Refinance Cash-out - Other Primary 3/XX/2011 VA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 3/XX/2012
96401599 20356474 25158 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401599 20356476 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401599 20356480 28193 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401599 20356482 5428 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96401599 20356484 1277 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401599 20356485 1326 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401599 20356487 25677 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401599 20356490 18362 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401599 20356494 2633 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2012
96401599 20356496 2634 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2012
96401599 20356498 2587 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2014
96401599 20356500 2591 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2014
96401399 20356506 5440 XXX Refinance Cash-out - Other Primary 5/XX/2011 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401399 20356507 1325 XXX Refinance Cash-out - Other Primary 5/XX/2011 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.
96401399 20356508 18362 XXX Refinance Cash-out - Other Primary 5/XX/2011 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401400 20356510 5440 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401400 20356511 5428 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96401400 20356512 1274 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401400 20356513 1275 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401400 20356514 1285 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401400 20356515 1287 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401400 20356516 1294 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401400 20356517 25677 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401400 20356519 1271 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401400 20356521 7115 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
96401400 20356523 1327 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401400 20356524 2587 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401400 20356525 2591 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401400 20356526 2641 XXX Purchase Second Home 4/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed.
96401398 20356518 5428 XXX Purchase Primary 5/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96401398 20356520 1271 XXX Purchase Primary 5/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401398 20356522 20804 XXX Purchase Primary 5/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 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
96401598 20356527 25158 XXX Refinance Rate/Term Primary 4/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401598 20356528 1275 XXX Refinance Rate/Term Primary 4/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401598 20356529 1287 XXX Refinance Rate/Term Primary 4/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401598 20356530 1294 XXX Refinance Rate/Term Primary 4/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401598 20356531 1307 XXX Refinance Rate/Term Primary 4/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401598 20356532 7087 XXX Refinance Rate/Term Primary 4/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401598 20356533 22050 XXX Refinance Rate/Term Primary 4/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2014
96401598 20356534 2641 XXX Refinance Rate/Term Primary 4/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $350.04. Unable to determine cause of under disclosure due to missing itemization of amount financed. 4/XX/2014
96401598 20356535 613 XXX Refinance Rate/Term Primary 4/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 4/XX/2014
96401397 20356542 5440 XXX Purchase Primary 4/XX/2011 KY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401397 20356543 1271 XXX Purchase Primary 4/XX/2011 KY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401396 20356544 4967 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401396 20356545 2922 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401396 20356546 3934 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401396 20356547 25158 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401396 20356548 20780 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401396 20356549 7027 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401396 20356550 28193 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401396 20356551 1325 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401396 20356552 25677 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401396 20356553 7087 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401396 20356554 18362 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401396 20356555 1332 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401396 20356556 2633 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 5/XX/2012
96401396 20356557 2634 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 5/XX/2012
96401396 20356558 2642 XXX Refinance Rate/Term Primary 5/XX/2011 MS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 5/XX/2014
96401395 20356574 2864 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401395 20356575 25158 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401395 20356576 5440 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401395 20356577 1274 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401395 20356578 1276 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Incorrect GFE Form Used RESPA (2010) - Good Faith Estimate not on the proper 2010 GFE form.
96401395 20356579 1277 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401395 20356580 1317 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401395 20356583 1306 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Incorrect HUD-1 Form Used RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form.
96401395 20356586 25677 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401395 20356588 1271 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401395 20356590 1327 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401395 20356591 20735 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 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.
96401395 20356592 2587 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401395 20356593 2591 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401395 20356594 7115 XXX Purchase Second Home 6/XX/2011 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
96401391 20356623 613 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 7/XX/2014
96401391 20356624 870 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: TIL did not reflect the required verbiage 7/XX/2014
96401391 20356625 4967 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401391 20356626 2922 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401391 20356627 3934 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401391 20356628 25158 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401391 20356629 7027 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401391 20356630 28193 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401391 20356631 25677 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401391 20356632 7087 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401391 20356633 1327 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401391 20356634 1332 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401391 20356635 3353 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 7/XX/2012
96401391 20356636 28241 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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) 7/XX/2014
96401391 20356637 22050 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2014
96401391 20356638 2641 XXX Refinance Rate/Term Primary 7/XX/2011 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 7/XX/2014
96401389 20356665 770 XXX Purchase Primary 7/XX/2011 UT $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401389 20356666 770 XXX Purchase Primary 7/XX/2011 UT $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401389 20356667 25158 XXX Purchase Primary 7/XX/2011 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401389 20356668 5437 XXX Purchase Primary 7/XX/2011 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401389 20356669 1274 XXX Purchase Primary 7/XX/2011 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401389 20356670 1287 XXX Purchase Primary 7/XX/2011 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401389 20356671 1294 XXX Purchase Primary 7/XX/2011 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401389 20356672 1323 XXX Purchase Primary 7/XX/2011 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.
96401389 20356673 1326 XXX Purchase Primary 7/XX/2011 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401389 20356674 1271 XXX Purchase Primary 7/XX/2011 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401389 20356675 6514 XXX Purchase Primary 7/XX/2011 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401388 20356643 613 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 8/XX/2014
96401388 20356644 4967 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401388 20356645 3934 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401388 20356646 2922 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401388 20356647 25158 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401388 20356648 7027 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401388 20356649 28193 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401388 20356650 25677 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401388 20356651 7087 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401388 20356652 1327 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401388 20356653 1332 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401388 20356654 3353 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 8/XX/2012
96401388 20356655 28240 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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) 8/XX/2014
96401388 20356656 22050 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 8/XX/2014
96401388 20356657 2646 XXX Refinance Rate/Term Primary 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2014
96401471 20356683 2798 XXX Purchase Primary 8/XX/2011 KS $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401471 20356686 5434 XXX Purchase Primary 8/XX/2011 KS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401471 20356690 5428 XXX Purchase Primary 8/XX/2011 KS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96401471 20356691 1274 XXX Purchase Primary 8/XX/2011 KS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401471 20356692 1271 XXX Purchase Primary 8/XX/2011 KS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401471 20356694 1327 XXX Purchase Primary 8/XX/2011 KS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401471 20356695 3353 XXX Purchase Primary 8/XX/2011 KS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 8/XX/2012
96401471 20356696 2587 XXX Purchase Primary 8/XX/2011 KS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2012
96401471 20356697 2591 XXX Purchase Primary 8/XX/2011 KS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2012
96401471 20356698 2640 XXX Purchase Primary 8/XX/2011 KS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 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. 8/XX/2012
96401471 20356699 2641 XXX Purchase Primary 8/XX/2011 KS $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 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. 8/XX/2012
96401470 20356728 25158 XXX Purchase Primary 8/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401470 20356732 5440 XXX Purchase Primary 8/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401470 20356734 5429 XXX Purchase Primary 8/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 801) Without Cure RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.
96401470 20356736 5430 XXX Purchase Primary 8/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
96401470 20356737 5432 XXX Purchase Primary 8/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
96401470 20356738 1271 XXX Purchase Primary 8/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401469 20356725 5445 XXX Purchase Investment 8/XX/2011 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401465 20356758 1274 XXX Refinance Cash-out - Other Primary 9/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401465 20356759 28240 XXX Refinance Cash-out - Other Primary 9/XX/2011 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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) 9/XX/2014
96401468 20356760 1287 XXX Refinance Cash-out - Other Primary 8/XX/2011 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401468 20356761 1294 XXX Refinance Cash-out - Other Primary 8/XX/2011 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401468 20356762 1268 XXX Refinance Cash-out - Other Primary 8/XX/2011 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401464 20356780 25158 XXX Purchase Primary 10/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401464 20356781 5440 XXX Purchase Primary 10/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401464 20356782 1271 XXX Purchase Primary 10/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401464 20356783 1274 XXX Purchase Primary 10/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401464 20356784 1277 XXX Purchase Primary 10/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401464 20356785 1294 XXX Purchase Primary 10/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401464 20356786 770 XXX Purchase Primary 10/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401464 20356787 2922 XXX Purchase Primary 10/XX/2011 TX $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401462 20356855 25158 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2011 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401462 20356856 1274 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2011 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401462 20356857 1268 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2011 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401462 20356858 25677 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2011 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401462 20356859 2641 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2011 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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 $51.66. TIL itemization did not disclose a tax cert fee of $51.00 as a prepaid finance charge 10/XX/2014
96401461 20356841 2922 XXX Refinance Rate/Term Primary 12/XX/2011 WV $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2011
96401461 20356843 25158 XXX Refinance Rate/Term Primary 12/XX/2011 WV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401461 20356847 7027 XXX Refinance Rate/Term Primary 12/XX/2011 WV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401461 20356848 28193 XXX Refinance Rate/Term Primary 12/XX/2011 WV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401461 20356850 1277 XXX Refinance Rate/Term Primary 12/XX/2011 WV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401461 20356851 1326 XXX Refinance Rate/Term Primary 12/XX/2011 WV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401461 20356852 18362 XXX Refinance Rate/Term Primary 12/XX/2011 WV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401461 20356853 2633 XXX Refinance Rate/Term Primary 12/XX/2011 WV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/2012
96401461 20356854 2641 XXX Refinance Rate/Term Primary 12/XX/2011 WV $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 11/XX/2014
96402034 20356860 2922 XXX Purchase Primary 12/XX/2011 OH $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96402034 20356861 25158 XXX Purchase Primary 12/XX/2011 OH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96402034 20356862 5440 XXX Purchase Primary 12/XX/2011 OH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96402034 20356863 1307 XXX Purchase Primary 12/XX/2011 OH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402033 20356875 2635 XXX Refinance Rate/Term Primary 11/XX/2011 OH $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/2012
96402031 20356902 1274 XXX Purchase Primary 12/XX/2011 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402031 20356903 1277 XXX Purchase Primary 12/XX/2011 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402031 20356904 1271 XXX Purchase Primary 12/XX/2011 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96402031 20356905 18362 XXX Purchase Primary 12/XX/2011 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402031 20356906 2633 XXX Purchase Primary 12/XX/2011 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2012
96402031 20356907 5434 XXX Purchase Primary 12/XX/2011 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96402031 20356908 5435 XXX Purchase Primary 12/XX/2011 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402031 20356909 6514 XXX Purchase Primary 12/XX/2011 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96402031 20356910 5437 XXX Purchase Primary 12/XX/2011 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96402031 20356911 6509 XXX Purchase Primary 12/XX/2011 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96402031 20356912 5438 XXX Purchase Primary 12/XX/2011 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402030 20356892 6514 XXX Refinance Rate/Term Primary 12/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402030 20356893 6509 XXX Refinance Rate/Term Primary 12/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402030 20356894 5429 XXX Refinance Rate/Term Primary 12/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 801) Without Cure RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.
96402030 20356895 5432 XXX Refinance Rate/Term Primary 12/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
96402030 20356896 1274 XXX Refinance Rate/Term Primary 12/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402030 20356897 1283 XXX Refinance Rate/Term Primary 12/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402030 20356898 1287 XXX Refinance Rate/Term Primary 12/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96402030 20356899 1294 XXX Refinance Rate/Term Primary 12/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96402030 20356900 1312 XXX Refinance Rate/Term Primary 12/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402030 20356901 20804 XXX Refinance Rate/Term Primary 12/XX/2011 MA $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 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
96402028 20356938 5445 XXX Purchase Primary 2/XX/2012 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96402028 20356939 5440 XXX Purchase Primary 2/XX/2012 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96402028 20356940 1274 XXX Purchase Primary 2/XX/2012 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402028 20356941 1275 XXX Purchase Primary 2/XX/2012 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402028 20356942 1325 XXX Purchase Primary 2/XX/2012 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96402028 20356943 25677 XXX Purchase Primary 2/XX/2012 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402028 20356944 1271 XXX Purchase Primary 2/XX/2012 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96402028 20356945 2587 XXX Purchase Primary 2/XX/2012 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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/XX/2013
96402028 20356946 2591 XXX Purchase Primary 2/XX/2012 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 2/XX/2013
96402027 20356962 768 XXX Purchase Primary 1/XX/2012 MI $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: Days before settlement not provided. GFE Date: 12/XX/2011
96402027 20356963 5440 XXX Purchase Primary 1/XX/2012 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96402027 20356964 1274 XXX Purchase Primary 1/XX/2012 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402027 20356965 1294 XXX Purchase Primary 1/XX/2012 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96402027 20356966 7115 XXX Purchase Primary 1/XX/2012 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
96402027 20356967 2633 XXX Purchase Primary 1/XX/2012 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2013
96402027 20356970 2634 XXX Purchase Primary 1/XX/2012 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2013
96402027 20356972 2630 XXX Purchase Primary 1/XX/2012 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Incorrect TIL Form Used Truth in Lending Act (MDIA 2011): TIL disclosure not compliant under MDIA 1/XX/2013
96402027 20356974 1271 XXX Purchase Primary 1/XX/2012 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96402026 20356968 3934 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402026 20356969 25158 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96402026 20356971 7027 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402026 20356973 28193 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402026 20356975 1325 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96402026 20356976 25677 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402026 20356978 1332 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96402026 20356980 2633 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2013
96402026 20356982 22050 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 1/XX/2015
96402026 20356984 1327 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96402026 20356985 28240 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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) 1/XX/2015
96402026 20356987 2922 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2011
96402026 20356988 613 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 1/XX/2015
96402026 20356989 2634 XXX Refinance Rate/Term Primary 2/XX/2012 IL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2013
96402025 20357026 25158 XXX Purchase Primary 2/XX/2012 MO $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96402025 20357027 5434 XXX Purchase Primary 2/XX/2012 MO $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96402025 20357028 6514 XXX Purchase Primary 2/XX/2012 MO $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96402025 20357029 5437 XXX Purchase Primary 2/XX/2012 MO $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96402025 20357030 6509 XXX Purchase Primary 2/XX/2012 MO $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96402025 20357031 5438 XXX Purchase Primary 2/XX/2012 MO $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402025 20357032 1271 XXX Purchase Primary 2/XX/2012 MO $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401820 20357068 1271 XXX Purchase Primary 4/XX/2012 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401820 20357069 2641 XXX Purchase Primary 4/XX/2012 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. TIL Itemization did not disclose a Settlement Closing Fee of $550 as a prepaid finance charge. 4/XX/2013
96401818 20357099 5440 XXX Refinance Rate/Term Primary 4/XX/2012 NH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401818 20357100 18362 XXX Refinance Rate/Term Primary 4/XX/2012 NH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401817 20357093 3350 XXX Refinance Rate/Term Primary 4/XX/2012 NC $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401817 20357094 1274 XXX Refinance Rate/Term Primary 4/XX/2012 NC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401817 20357095 1276 XXX Refinance Rate/Term Primary 4/XX/2012 NC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Incorrect GFE Form Used RESPA (2010) - Good Faith Estimate not on the proper 2010 GFE form.
96401817 20357096 25677 XXX Refinance Rate/Term Primary 4/XX/2012 NC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401817 20357097 1327 XXX Refinance Rate/Term Primary 4/XX/2012 NC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401817 20357098 2641 XXX Refinance Rate/Term Primary 4/XX/2012 NC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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 $634.18. Unable to determine reason for under disclosure due to missing final itemization of amount financed. 4/XX/2015
96401816 20357120 25158 XXX Refinance Rate/Term Primary 6/XX/2012 LA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401816 20357121 6514 XXX Refinance Rate/Term Primary 6/XX/2012 LA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401816 20357122 5438 XXX Refinance Rate/Term Primary 6/XX/2012 LA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401816 20357123 1274 XXX Refinance Rate/Term Primary 6/XX/2012 LA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402008 20357163 25158 XXX Purchase Primary 5/XX/2012 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96402008 20357164 1274 XXX Purchase Primary 5/XX/2012 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402008 20357165 1307 XXX Purchase Primary 5/XX/2012 CA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402007 20357207 1287 XXX Refinance Rate/Term Primary 6/XX/2012 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96402007 20357208 1294 XXX Refinance Rate/Term Primary 6/XX/2012 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96402007 20357209 25677 XXX Refinance Rate/Term Primary 6/XX/2012 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96402007 20357210 1327 XXX Refinance Rate/Term Primary 6/XX/2012 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96402006 20357211 1326 XXX Refinance Rate/Term Primary 7/XX/2012 TN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401440 20357235 5440 XXX Refinance Rate/Term Primary 8/XX/2012 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401440 20357236 1274 XXX Refinance Rate/Term Primary 8/XX/2012 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401440 20357237 1275 XXX Refinance Rate/Term Primary 8/XX/2012 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401440 20357238 1287 XXX Refinance Rate/Term Primary 8/XX/2012 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401440 20357239 1294 XXX Refinance Rate/Term Primary 8/XX/2012 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401440 20357240 1295 XXX Refinance Rate/Term Primary 8/XX/2012 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Prepayment Penalty Information on GFE Inaccurate RESPA (2010): GFE indicates no prepayment penalty for loan containing prepayment penalty.
96401440 20357241 1307 XXX Refinance Rate/Term Primary 8/XX/2012 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401440 20357242 1324 XXX Refinance Rate/Term Primary 8/XX/2012 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Prepayment Penalty Information on Final HUD-1 Inaccurate RESPA (2010): Final HUD-1 indicates no prepayment penalty for loan containing prepayment penalty.
96401440 20357244 25677 XXX Refinance Rate/Term Primary 8/XX/2012 FL $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401437 20357243 5440 XXX Refinance Rate/Term Primary 9/XX/2012 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401437 20357245 1274 XXX Refinance Rate/Term Primary 9/XX/2012 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401437 20357246 1287 XXX Refinance Rate/Term Primary 9/XX/2012 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401437 20357247 1294 XXX Refinance Rate/Term Primary 9/XX/2012 UT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401437 20357248 3350 XXX Refinance Rate/Term Primary 9/XX/2012 UT $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401437 20357249 2922 XXX Refinance Rate/Term Primary 9/XX/2012 UT $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 09/XX/2012
96401439 20357250 1274 XXX Refinance Rate/Term Primary 8/XX/2012 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401439 20357251 1275 XXX Refinance Rate/Term Primary 8/XX/2012 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401439 20357252 1287 XXX Refinance Rate/Term Primary 8/XX/2012 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401439 20357253 1294 XXX Refinance Rate/Term Primary 8/XX/2012 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401439 20357254 1307 XXX Refinance Rate/Term Primary 8/XX/2012 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401436 20357283 2864 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401436 20357285 7027 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401436 20357287 5434 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401436 20357289 6514 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401436 20357294 5437 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401436 20357295 6509 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401436 20357303 5438 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401436 20357308 28193 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401436 20357309 1274 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401436 20357310 1277 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401436 20357311 1326 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401436 20357312 1271 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401436 20357313 7087 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401436 20357314 18362 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401436 20357315 2633 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 10/XX/2013
96401436 20357316 25677 XXX Purchase Primary 10/XX/2012 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401434 20357290 25158 XXX Purchase Primary 8/XX/2012 SC $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401434 20357293 1271 XXX Purchase Primary 8/XX/2012 SC $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401434 20357297 2336 XXX Purchase Primary 8/XX/2012 SC $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 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. 8/XX/2018
96401434 20357300 2587 XXX Purchase Primary 8/XX/2012 SC $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2013
96401434 20357302 2591 XXX Purchase Primary 8/XX/2012 SC $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2013
96401433 20357317 25158 XXX Refinance Rate/Term Primary 10/XX/2012 VA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401433 20357318 1274 XXX Refinance Rate/Term Primary 10/XX/2012 VA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401431 20357320 25158 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2012 WA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401431 20357321 1274 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2012 WA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401431 20357322 18362 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2012 WA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401431 20357323 6514 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2012 WA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401431 20357324 5437 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2012 WA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401430 20357325 613 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties Close at Home Loan. Final TIL not signed however, Acknowledgment of Receipt in file signed by borrower. 11/XX/2015
96401430 20357326 4967 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401430 20357327 2922 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401430 20357328 3934 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401430 20357329 25158 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401430 20357330 7027 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401430 20357331 28193 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401430 20357332 1325 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401430 20357333 25677 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401430 20357334 7087 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401430 20357335 1327 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401430 20357336 1332 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401430 20357337 2633 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/2013
96401430 20357338 2634 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/2013
96401430 20357339 22050 XXX Refinance Rate/Term Primary 11/XX/2012 WI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 11/XX/2015
96401631 20357385 5445 XXX Purchase Investment 1/XX/2013 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401628 20357405 7027 XXX Refinance Rate/Term Primary 3/XX/2013 AL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401628 20357406 28193 XXX Refinance Rate/Term Primary 3/XX/2013 AL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401628 20357407 5430 XXX Refinance Rate/Term Primary 3/XX/2013 AL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
96401628 20357408 5432 XXX Refinance Rate/Term Primary 3/XX/2013 AL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
96401628 20357409 1274 XXX Refinance Rate/Term Primary 3/XX/2013 AL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401628 20357410 1277 XXX Refinance Rate/Term Primary 3/XX/2013 AL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401628 20357411 1287 XXX Refinance Rate/Term Primary 3/XX/2013 AL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401628 20357412 1294 XXX Refinance Rate/Term Primary 3/XX/2013 AL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401628 20357414 25677 XXX Refinance Rate/Term Primary 3/XX/2013 AL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401628 20357417 18362 XXX Refinance Rate/Term Primary 3/XX/2013 AL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401628 20357419 2633 XXX Refinance Rate/Term Primary 3/XX/2013 AL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2014
96401630 20357438 5440 XXX Refinance Rate/Term Second Home 2/XX/2013 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401630 20357439 1274 XXX Refinance Rate/Term Second Home 2/XX/2013 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401630 20357440 25677 XXX Refinance Rate/Term Second Home 2/XX/2013 NY $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401627 20357441 1274 XXX Refinance Rate/Term Primary 3/XX/2013 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401627 20357442 1283 XXX Refinance Rate/Term Primary 3/XX/2013 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401627 20357443 1312 XXX Refinance Rate/Term Primary 3/XX/2013 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401627 20357444 1992 XXX Refinance Rate/Term Primary 3/XX/2013 MN $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 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.
96401627 20357445 5445 XXX Refinance Rate/Term Primary 3/XX/2013 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401627 20357446 1268 XXX Refinance Rate/Term Primary 3/XX/2013 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401627 20357447 1303 XXX Refinance Rate/Term Primary 3/XX/2013 MN $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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
96401626 20357512 3934 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401626 20357513 25158 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401626 20357514 7027 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401626 20357515 28193 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401626 20357516 1307 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401626 20357517 25677 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401626 20357518 7087 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401626 20357519 1327 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401626 20357522 1332 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401626 20357525 2633 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2014
96401626 20357526 22050 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2016
96401626 20357527 3366 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 4/XX/2016
96401626 20357528 5434 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401626 20357529 6514 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401626 20357530 5437 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401626 20357531 6509 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401626 20357532 5438 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401626 20357533 4967 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401626 20357534 2922 XXX Refinance Rate/Term Primary 4/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401625 20357535 5445 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401625 20357536 7027 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401625 20357537 5434 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401625 20357538 6514 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401625 20357539 5437 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401625 20357540 6509 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401625 20357541 5438 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401625 20357542 28193 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401625 20357543 1274 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401625 20357544 1277 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401625 20357545 25677 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401625 20357546 18362 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401625 20357547 2633 XXX Refinance Rate/Term Primary 4/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2014
96401623 20357574 1274 XXX Refinance Rate/Term Primary 6/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401623 20357575 1287 XXX Refinance Rate/Term Primary 6/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401623 20357576 1294 XXX Refinance Rate/Term Primary 6/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401623 20357577 2922 XXX Refinance Rate/Term Primary 6/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401743 20357578 7027 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401743 20357579 28193 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401743 20357580 1274 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401743 20357581 1277 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401743 20357582 1287 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401743 20357583 1294 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401743 20357584 1326 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401743 20357585 25677 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401743 20357586 18362 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401743 20357587 2633 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 6/XX/2014
96401743 20357588 2635 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 6/XX/2014
96401743 20357589 5445 XXX Refinance Rate/Term Primary 6/XX/2013 NJ $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401741 20357621 768 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: Days before settlement not provided. GFE Date: 03/XX/2013
96401741 20357622 5431 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
96401741 20357623 1271 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401741 20357624 2798 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401741 20357625 7027 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401741 20357626 5434 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401741 20357627 6514 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401741 20357628 5437 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401741 20357629 6509 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401741 20357630 28193 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401741 20357631 1277 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401741 20357632 25677 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401741 20357633 18362 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401741 20357634 2633 XXX Purchase Primary 3/XX/2013 GA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2014
96401740 20357643 2798 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401740 20357644 25158 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401740 20357645 7027 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401740 20357646 28193 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401740 20357647 1274 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401740 20357648 1277 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401740 20357649 1287 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401740 20357650 1294 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401740 20357651 1303 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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
96401740 20357652 1323 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.
96401740 20357653 25677 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401740 20357654 18362 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401740 20357655 1859 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 Maryland Counseling Disclosure Not In File Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.
96401740 20357656 20745 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance State Compliance Compliance open 2 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.
96401740 20357657 2633 XXX Refinance Rate/Term Primary 6/XX/2013 MD $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 6/XX/2014
96401739 20357658 25158 XXX Refinance Cash-out - Other Primary 6/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401739 20357659 1274 XXX Refinance Cash-out - Other Primary 6/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401739 20357660 1287 XXX Refinance Cash-out - Other Primary 6/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401739 20357661 1294 XXX Refinance Cash-out - Other Primary 6/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401739 20357662 25677 XXX Refinance Cash-out - Other Primary 6/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401738 20357670 5445 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401738 20357671 7027 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401738 20357672 5434 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401738 20357673 6514 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401738 20357674 5437 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401738 20357675 6509 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401738 20357676 28193 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401738 20357677 1274 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401738 20357678 1275 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401738 20357679 1277 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401738 20357680 1287 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401738 20357681 1294 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401738 20357682 1307 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401738 20357683 25677 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401738 20357684 18362 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401738 20357685 2633 XXX Refinance Rate/Term Primary 7/XX/2013 TX $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 7/XX/2014
96401737 20357687 5440 XXX Purchase Primary 6/XX/2013 NC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401737 20357688 1294 XXX Purchase Primary 6/XX/2013 NC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401737 20357689 1316 XXX Purchase Primary 6/XX/2013 NC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate RESPA (2010): Loan Amount on Final HUD-1 does not match Note.
96401737 20357690 1271 XXX Purchase Primary 6/XX/2013 NC $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401736 20357702 5440 XXX Refinance Rate/Term Primary 8/XX/2013 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401736 20357703 1274 XXX Refinance Rate/Term Primary 8/XX/2013 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401736 20357704 1285 XXX Refinance Rate/Term Primary 8/XX/2013 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401736 20357705 1294 XXX Refinance Rate/Term Primary 8/XX/2013 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401736 20357706 25677 XXX Refinance Rate/Term Primary 8/XX/2013 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401736 20357707 7087 XXX Refinance Rate/Term Primary 8/XX/2013 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401735 20357708 7027 XXX Purchase Primary 8/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401735 20357709 28193 XXX Purchase Primary 8/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401735 20357710 1274 XXX Purchase Primary 8/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401735 20357711 1277 XXX Purchase Primary 8/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401735 20357712 25677 XXX Purchase Primary 8/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401735 20357713 1271 XXX Purchase Primary 8/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401735 20357714 18362 XXX Purchase Primary 8/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401735 20357715 2633 XXX Purchase Primary 8/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2014
96401734 20357760 2922 XXX Refinance Rate/Term Primary 9/XX/2013 VA $XXX Loan Review Complete 09/24/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401734 20357761 5440 XXX Refinance Rate/Term Primary 9/XX/2013 VA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401734 20357762 1274 XXX Refinance Rate/Term Primary 9/XX/2013 VA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401734 20357763 1325 XXX Refinance Rate/Term Primary 9/XX/2013 VA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401734 20357764 1268 XXX Refinance Rate/Term Primary 9/XX/2013 VA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401732 20357773 3350 XXX Purchase Primary 9/XX/2013 OH $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (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.
96401732 20357774 5434 XXX Purchase Primary 9/XX/2013 OH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401732 20357775 6514 XXX Purchase Primary 9/XX/2013 OH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401732 20357776 5437 XXX Purchase Primary 9/XX/2013 OH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401732 20357777 6509 XXX Purchase Primary 9/XX/2013 OH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401732 20357778 1274 XXX Purchase Primary 9/XX/2013 OH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401732 20357779 1285 XXX Purchase Primary 9/XX/2013 OH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401732 20357780 1294 XXX Purchase Primary 9/XX/2013 OH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401732 20357781 1271 XXX Purchase Primary 9/XX/2013 OH $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401733 20357782 5440 XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401733 20357783 5429 XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 801) Without Cure RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.
96401733 20357784 5432 XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
96401733 20357785 1274 XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401733 20357786 1287 XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401733 20357787 1294 XXX Refinance Rate/Term Primary 9/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401730 20357788 25158 XXX Purchase Primary 10/XX/2013 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401730 20357789 20780 XXX Purchase Primary 10/XX/2013 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 04/13/2021 1 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 Comment (2021-04-13): Received HUD-1
96401730 20357790 6579 XXX Purchase Primary 10/XX/2013 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 04/13/2021 1 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 Comment (2021-04-13): Received HUD-1
96401730 20357791 5440 XXX Purchase Primary 10/XX/2013 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401730 20357792 5434 XXX Purchase Primary 10/XX/2013 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401730 20357793 6509 XXX Purchase Primary 10/XX/2013 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401730 20357794 1283 XXX Purchase Primary 10/XX/2013 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 04/13/2021 1 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 Comment (2021-04-13): Received HUD-1
96401730 20357795 1325 XXX Purchase Primary 10/XX/2013 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 04/13/2021 1 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers. Reviewer Comment (2021-04-13): Received Service Provider List
96401730 20357796 1271 XXX Purchase Primary 10/XX/2013 IL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401730 20561099 5428 XXX Purchase Primary 10/XX/2013 IL $XXX Loan Review Complete 04/13/2021 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96401730 20561100 1325 XXX Purchase Primary 10/XX/2013 IL $XXX Loan Review Complete 04/13/2021 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.
96401904 20357815 770 XXX Refinance Cash-out - Other Primary 11/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
96401904 20357816 25158 XXX Refinance Cash-out - Other Primary 11/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 (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.
96401904 20357817 1274 XXX Refinance Cash-out - Other Primary 11/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401904 20357818 1285 XXX Refinance Cash-out - Other Primary 11/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401904 20357819 1287 XXX Refinance Cash-out - Other Primary 11/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401904 20357820 1288 XXX Refinance Cash-out - Other Primary 11/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Term on Final GFE Inaccurate RESPA (2010): Loan Term on Final GFE does not match Note.
96401904 20357821 1294 XXX Refinance Cash-out - Other Primary 11/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401904 20357822 2635 XXX Refinance Cash-out - Other Primary 11/XX/2013 PA $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/2014
96401903 20357832 25158 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401903 20357833 1274 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401903 20357834 1287 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401903 20357835 1294 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401903 20357836 1323 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.
96401903 20357837 1325 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401903 20357838 1271 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401903 20357839 7087 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401903 20357844 1327 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401903 20357846 2587 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2015
96401903 20357847 2591 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2015
96401903 20357848 5434 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401903 20357849 6509 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401903 20357850 2635 XXX Purchase Primary 1/XX/2014 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2015
96401901 20357862 25158 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401901 20357863 7027 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401901 20357864 28193 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401901 20357865 1274 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401901 20357866 1277 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401901 20357867 1285 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96401901 20357868 1287 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401901 20357869 1294 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401901 20357870 1325 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401901 20357871 1268 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401901 20357872 25677 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401901 20357873 18362 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401901 20357874 1883 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
96401901 20357875 2633 XXX Refinance Cash-out - Other Primary 1/XX/2014 MD $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2015
96401902 20357840 5440 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401902 20357841 1274 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401902 20357842 1287 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401902 20357843 1294 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401902 20357845 2635 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2014 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2015
96401779 20357893 2922 XXX Refinance Cash-out - Other Primary 1/XX/1999 PA $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/1998
96401597 20357888 7027 XXX Refinance Rate/Term Primary 12/XX/1999 CT $XXX Loan Review Complete 09/24/2020 Compliance Federal Compliance Compliance open 2 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.
96401933 20357889 1267 XXX Purchase Primary 10/XX/1997 MO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.
96401933 20357890 1268 XXX Purchase Primary 10/XX/1997 MO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401933 20357891 3934 XXX Purchase Primary 10/XX/1997 MO $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401459 20357895 2798 XXX Refinance Rate/Term Primary 9/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401459 20357896 25677 XXX Refinance Rate/Term Primary 9/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401459 20357897 2647 XXX Refinance Rate/Term Primary 9/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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). 9/XX/2005
96401405 20357898 25688 XXX Purchase Primary 1/XX/2003 SC $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 1/XX/2004
96401898 20357908 2798 XXX Refinance Cash-out - Other Primary 1/XX/2000 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401898 20357909 2647 XXX Refinance Cash-out - Other Primary 1/XX/2000 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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). 1/XX/2003
96401898 20357910 25688 XXX Refinance Cash-out - Other Primary 1/XX/2000 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 1/XX/2001
96401898 20357911 6302 XXX Refinance Cash-out - Other Primary 1/XX/2000 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2001
96401897 20357906 2641 XXX Purchase Primary 3/XX/2003 OH $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed. 3/XX/2004
96401897 20357907 3365 XXX Purchase Primary 3/XX/2003 OH $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 3/XX/2004
96401831 20357912 2798 XXX Refinance Rate/Term Primary 3/XX/2003 TN $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401831 20357913 611 XXX Refinance Rate/Term Primary 3/XX/2003 TN $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 3/XX/2006
96401831 20357915 22050 XXX Refinance Rate/Term Primary 3/XX/2003 TN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2006
96401832 20357899 2798 XXX Purchase Primary 11/XX/1996 CT $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401832 20357900 25685 XXX Purchase Primary 11/XX/1996 CT $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 Connecticut Prepayment Penalty Test Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.
96401832 20357901 6302 XXX Purchase Primary 11/XX/1996 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/1997
96401832 20357902 7027 XXX Purchase Primary 11/XX/1996 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401832 20357903 25688 XXX Purchase Primary 11/XX/1996 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 11/XX/1997
96401832 20357904 2641 XXX Purchase Primary 11/XX/1996 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $349.71. Unable to determine under disclosure due to missing itemization of amount financed 11/XX/1997
96401896 20357918 2798 XXX Refinance Cash-out - Other Primary 2/XX/1999 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401896 20357919 25688 XXX Refinance Cash-out - Other Primary 2/XX/1999 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 2/XX/2000
96401896 20357920 6302 XXX Refinance Cash-out - Other Primary 2/XX/1999 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2000
96401896 20357921 2641 XXX Refinance Cash-out - Other Primary 2/XX/1999 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $96.48. Unable to determine underdisclosure due to missing Itemization of Amount Financed. 2/XX/2002
96401895 20357927 2798 XXX Refinance Rate/Term Primary 7/XX/1998 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401895 20357928 7027 XXX Refinance Rate/Term Primary 7/XX/1998 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401895 20357929 2641 XXX Refinance Rate/Term Primary 7/XX/1998 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 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%. 7/XX/2001
96401895 20357930 2647 XXX Refinance Rate/Term Primary 7/XX/1998 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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). 7/XX/2001
96401895 20357931 25677 XXX Refinance Rate/Term Primary 7/XX/1998 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401895 20357932 6568 XXX Refinance Rate/Term Primary 7/XX/1998 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401893 20357934 7027 XXX Purchase Primary 4/XX/2003 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401894 20357935 7027 XXX Purchase Primary 4/XX/2003 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401865 20357936 2798 XXX Purchase Primary 6/XX/1998 FL $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401865 20357937 7027 XXX Purchase Primary 6/XX/1998 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401865 20357938 25687 XXX Purchase Primary 6/XX/1998 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. 5/XX/1999
96401865 20357939 6302 XXX Purchase Primary 6/XX/1998 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/1999
96401865 20357940 3365 XXX Purchase Primary 6/XX/1998 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 5/XX/1999
96401864 20357941 2798 XXX Refinance Rate/Term Primary 12/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401864 20357942 20780 XXX Refinance Rate/Term Primary 12/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 04/14/2021 1 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 Comment (2021-04-14): Received Title Co. Closing Statement.
96401864 20357943 6579 XXX Refinance Rate/Term Primary 12/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 04/14/2021 1 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 Comment (2021-04-14): Received Title Co. Closing Statement.
96401864 20357944 25677 XXX Refinance Rate/Term Primary 12/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401864 20357945 25688 XXX Refinance Rate/Term Primary 12/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 12/XX/1998
96401864 20357946 6306 XXX Refinance Rate/Term Primary 12/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/1998
96401864 20357947 2918 XXX Refinance Rate/Term Primary 12/XX/1997 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401864 20566066 6578 XXX Refinance Rate/Term Primary 12/XX/1997 CA $XXX Loan Review Complete 04/14/2021 Compliance Federal Compliance Compliance open 3 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.
96401864 20566575 2641 XXX Refinance Rate/Term Primary 12/XX/1997 CA $XXX Loan Review Complete 04/14/2021 Compliance Federal Compliance Compliance open 2 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. Unable to determine reason for under disclosure due to missing itemization or prepaid finance charges. 12/XX/2000
96401863 20357949 7027 XXX Purchase Primary 6/XX/1998 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401863 20357950 25686 XXX Purchase Primary 6/XX/1998 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 6/XX/1999
96401863 20357951 6302 XXX Purchase Primary 6/XX/1998 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/1999
96401863 20357952 2641 XXX Purchase Primary 6/XX/1998 MI $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $1,855.53. Unable to determine under disclosure due to missing Til itemization of amount financed. 6/XX/1999
96401862 20357953 611 XXX Purchase Primary 4/XX/2003 VA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 4/XX/2004
96401861 20357954 2798 XXX Purchase Primary 12/XX/1996 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401861 20357955 7027 XXX Purchase Primary 12/XX/1996 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 1 months prior to consummation. A lookback was performed to determine this application date.
96401861 20357956 25686 XXX Purchase Primary 12/XX/1996 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 12/XX/1997
96401861 20357957 6302 XXX Purchase Primary 12/XX/1996 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/1997
96401861 20357958 2641 XXX Purchase Primary 12/XX/1996 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $382.10. Unable to determine under disclosure due to missing Til itemization of amount financed. 12/XX/1997
96401861 20357959 2918 XXX Purchase Primary 12/XX/1996 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401860 20357966 2798 XXX Purchase Primary 8/XX/1999 NJ $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401860 20357967 6302 XXX Purchase Primary 8/XX/1999 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2000
96401860 20357968 2641 XXX Purchase Primary 8/XX/1999 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $1,561.08. Under disclosure is in both the fees and the payment stream. Unable to determine under disclosure. Itemization of finance charge provided did not itemize the fees. Approval indicates the Index used was 4.47%. The closest Index available in our look-back period is 4.500%. 8/XX/2000
96401860 20357969 25688 XXX Purchase Primary 8/XX/1999 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 8/XX/2000
96401859 20357971 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1999 PA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401859 20357972 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1999 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401859 20357973 25677 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1999 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401859 20357974 25688 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1999 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 12/XX/2000
96401859 20357976 6302 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1999 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2000
96401859 20357977 2641 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1999 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing amortization schedule from file 12/XX/2002
96401859 20357979 2646 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1999 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2002
96401335 20357988 2798 XXX Purchase Primary 12/XX/1997 PA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401335 20357989 6576 XXX Purchase Primary 12/XX/1997 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 3 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.
96401335 20357990 7027 XXX Purchase Primary 12/XX/1997 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401335 20357991 25677 XXX Purchase Primary 12/XX/1997 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401335 20357992 2641 XXX Purchase Primary 12/XX/1997 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. Closing instructions indicate the Index used was 5.040%. The closest Index available in our look-back period is 5.07%. 12/XX/1998
96401335 20357993 23495 XXX Purchase Primary 12/XX/1997 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/1998
96401335 20357994 23494 XXX Purchase Primary 12/XX/1997 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/1998
96401335 20357995 6419 XXX Purchase Primary 12/XX/1997 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/1998
96402119 20358004 2798 XXX Refinance Cash-out - Other Primary 10/XX/1998 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402119 20358005 6568 XXX Refinance Cash-out - Other Primary 10/XX/1998 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96402119 20358006 7027 XXX Refinance Cash-out - Other Primary 10/XX/1998 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96402119 20358007 25677 XXX Refinance Cash-out - Other Primary 10/XX/1998 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96402119 20358008 23495 XXX Refinance Cash-out - Other Primary 10/XX/1998 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 10/XX/1999
96402119 20358009 6302 XXX Refinance Cash-out - Other Primary 10/XX/1998 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/1999
96402120 20357996 2798 XXX Refinance Rate/Term Primary 6/XX/2003 FL $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402120 20357997 2922 XXX Refinance Rate/Term Primary 6/XX/2003 FL $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Desk-Top Review / Valuation Report Date: 12/XX/2002
96402120 20357998 7027 XXX Refinance Rate/Term Primary 6/XX/2003 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402118 20358026 2798 XXX Purchase Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402118 20358027 6568 XXX Purchase Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96402118 20358028 7027 XXX Purchase Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402118 20358029 25677 XXX Purchase Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402118 20358030 23495 XXX Purchase Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2001
96402118 20358031 23494 XXX Purchase Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2001
96402118 20358032 2918 XXX Purchase Primary 3/XX/2000 GA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96402117 20358025 2798 XXX Purchase Primary 6/XX/2003 TX $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401570 20358041 2798 XXX Purchase Primary 6/XX/2003 NV $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401570 20358042 7027 XXX Purchase Primary 6/XX/2003 NV $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401569 20358043 2798 XXX Purchase Primary 6/XX/2003 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401569 20358044 20643 XXX Purchase Primary 6/XX/2003 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 04/14/2021 1 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. Reviewer Comment (2021-04-14): Received Title Co Closing Statement
96401569 20358045 2641 XXX Purchase Primary 6/XX/2003 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects $XXX. 6/XX/2004 Reviewer 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.
96401569 20566528 6578 XXX Purchase Primary 6/XX/2003 CA $XXX Loan Review Complete 04/14/2021 Compliance Federal Compliance Compliance open 3 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.
96401568 20358046 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401568 20358047 3366 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2006
96401568 20358048 22050 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 6/XX/2006
96401567 20358056 2798 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401567 20358057 6568 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401567 20358058 25677 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401567 20358059 23495 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2003
96401567 20358060 23494 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2003
96401567 20358061 2918 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401566 20358055 2641 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 NC $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $560.62. Unable to determine under disclosure due to missing Itemization of Amount Financed. 6/XX/2006
96401564 20358067 2798 XXX Purchase Primary 4/XX/1995 FL $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401564 20358068 613 XXX Purchase Primary 4/XX/1995 FL $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 4/XX/1996
96401564 20358069 6302 XXX Purchase Primary 4/XX/1995 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/1996
96401564 20358070 2641 XXX Purchase Primary 4/XX/1995 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $3,706.74. Under disclosure is due to the lender utilizing an index value of 4.187% per the Approval document, however the lowest index value available in the look-back period is 5.007%. 4/XX/1996
96401564 20358071 7027 XXX Purchase Primary 4/XX/1995 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401564 20358072 25688 XXX Purchase Primary 4/XX/1995 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 4/XX/1996
96401681 20358073 2798 XXX Purchase Primary 8/XX/1997 NJ $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401681 20358074 6568 XXX Purchase Primary 8/XX/1997 NJ $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401681 20358077 7027 XXX Purchase Primary 8/XX/1997 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401681 20358078 25823 XXX Purchase Primary 8/XX/1997 NJ $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 New Jersey Prepayment Penalty New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey.
96401681 20358081 25687 XXX Purchase Primary 8/XX/1997 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. 8/XX/1998
96401681 20358082 6302 XXX Purchase Primary 8/XX/1997 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/1998
96401681 20358083 2641 XXX Purchase Primary 8/XX/1997 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 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. 8/XX/1998
96401680 20358075 23495 XXX Purchase Primary 1/XX/2000 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2001
96401680 20358076 6302 XXX Purchase Primary 1/XX/2000 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2001
96401680 20358079 2641 XXX Purchase Primary 1/XX/2000 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $1,049.57. Unable to determine under disclosure due to missing Itemization of Amount Financed. 1/XX/2001
96401680 20358080 2918 XXX Purchase Primary 1/XX/2000 FL $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401565 20358084 2798 XXX Construction-Permanent Primary 8/XX/2002 SC $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401565 20358085 7027 XXX Construction-Permanent Primary 8/XX/2002 SC $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 1 months prior to consummation. A lookback was performed to determine this application date.
96401565 20358086 3366 XXX Construction-Permanent Primary 8/XX/2002 SC $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2003
96401565 20358087 3934 XXX Construction-Permanent Primary 8/XX/2002 SC $XXX Loan Review Complete 10/02/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401678 20358090 2798 XXX Purchase Primary 11/XX/1998 NJ $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401678 20358091 7027 XXX Purchase Primary 11/XX/1998 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401678 20358092 25823 XXX Purchase Primary 11/XX/1998 NJ $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 New Jersey Prepayment Penalty New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey.
96401678 20358095 23495 XXX Purchase Primary 11/XX/1998 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/1999
96401678 20358097 2641 XXX Purchase Primary 11/XX/1998 NJ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $2,163.96. Approval indicates the Index used was 4.85%. The closest Index available in our look-back period is 4.91%. 11/XX/1999
96401676 20358103 2798 XXX Purchase Primary 6/XX/1993 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401676 20358105 7027 XXX Purchase Primary 6/XX/1993 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401676 20358108 26290 XXX Purchase Primary 6/XX/1993 CA $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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.
96401676 20358109 25687 XXX Purchase Primary 6/XX/1993 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. 6/XX/1994
96401676 20358110 2641 XXX Purchase Primary 6/XX/1993 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed. 6/XX/1994
96401676 20358111 2918 XXX Purchase Primary 6/XX/1993 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401677 20358100 2798 XXX Purchase Primary 5/XX/1996 IL $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401677 20358101 25688 XXX Purchase Primary 5/XX/1996 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 5/XX/1997
96401677 20358102 2641 XXX Purchase Primary 5/XX/1996 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine fee portion under disclosure due to missing Itemization of Amount financed 5/XX/1997
96401675 20358112 2798 XXX Purchase Primary 11/XX/1998 NV $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401675 20358113 3934 XXX Purchase Primary 11/XX/1998 NV $XXX Loan Review Complete 10/02/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401675 20358114 7027 XXX Purchase Primary 11/XX/1998 NV $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401675 20358115 23495 XXX Purchase Primary 11/XX/1998 NV $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/1999
96401675 20358116 6302 XXX Purchase Primary 11/XX/1998 NV $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/1999
96401675 20358117 2641 XXX Purchase Primary 11/XX/1998 NV $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $1,799.00. Unable to determine under disclosure as TIL Itemization does not provide a break down of itemized fees. Final TIL Inputs and HUD 1 fees have been verified. The index value in the look back period is the same as value disclosed by lender. 11/XX/1999
96401301 20358129 2798 XXX Purchase Primary 2/XX/2000 FL $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401302 20358118 7027 XXX Refinance Rate/Term Primary 10/XX/1999 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401302 20358119 25677 XXX Refinance Rate/Term Primary 10/XX/1999 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401302 20358120 2647 XXX Refinance Rate/Term Primary 10/XX/1999 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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). 10/XX/2002
96401300 20358130 2798 XXX Refinance Rate/Term Primary 11/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401300 20358131 25677 XXX Refinance Rate/Term Primary 11/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401300 20358132 6302 XXX Refinance Rate/Term Primary 11/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2002
96401300 20358133 2641 XXX Refinance Rate/Term Primary 11/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $1,045.11. Unable to determine under disclosure as the Itemization of Amount Financed does not reflect a breakdown of the prepaid finance charges. 11/XX/2004
96401300 20358134 7027 XXX Refinance Rate/Term Primary 11/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2001 which is 0 months prior to consummation. A lookback was performed to determine this application date.
96401300 20358136 25688 XXX Refinance Rate/Term Primary 11/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 11/XX/2002
96401298 20358139 7027 XXX Purchase Primary 4/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401298 20358140 26290 XXX Purchase Primary 4/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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.
96401298 20358141 23495 XXX Purchase Primary 4/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 5/XX/2003
96401298 20358142 6302 XXX Purchase Primary 4/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2003
96401298 20358143 25677 XXX Purchase Primary 4/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401298 20358144 2798 XXX Purchase Primary 4/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401298 20358145 3934 XXX Purchase Primary 4/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401297 20358150 2798 XXX Purchase Primary 10/XX/1998 PA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401297 20358151 7027 XXX Purchase Primary 10/XX/1998 PA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401297 20358152 25686 XXX Purchase Primary 10/XX/1998 PA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 10/XX/1999
96401297 20358153 6302 XXX Purchase Primary 10/XX/1998 PA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/1999
96401297 20358154 6419 XXX Purchase Primary 10/XX/1998 PA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 8.43500% is overdisclosed from calculated APR of 7.89900% outside of 0.125% tolerance. 10/XX/1999
96401297 20358155 2641 XXX Purchase Primary 10/XX/1998 PA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $199.97. Unable to deteremine reason for under disclosure due to missing detailed itemization o fhtee prepaid finance charges. 10/XX/1999
96401299 20358156 2798 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401299 20358157 6568 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401299 20358158 2922 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2002
96401299 20358159 7027 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401299 20358160 25677 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401299 20358161 2641 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed. 3/XX/2005
96401299 20358162 25687 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. 3/XX/2003
96401299 20358163 25688 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 3/XX/2003
96401299 20358166 6302 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2003
96401295 20358164 2798 XXX Purchase Primary 1/XX/2001 TX $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401295 20358165 6568 XXX Purchase Primary 1/XX/2001 TX $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401295 20358167 7027 XXX Purchase Primary 1/XX/2001 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401295 20358168 6302 XXX Purchase Primary 1/XX/2001 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2002
96401295 20358169 2641 XXX Purchase Primary 1/XX/2001 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine cause of under disclosure due to missing amortization schedule. 1/XX/2002
96401296 20358176 2798 XXX Purchase Second Home 6/XX/1999 FL $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401296 20358177 7027 XXX Purchase Second Home 6/XX/1999 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401296 20358178 2641 XXX Purchase Second Home 6/XX/1999 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 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.
96402095 20358183 2922 XXX Purchase Primary 2/XX/2002 TX $XXX Loan Review Complete 10/02/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2002
96402095 20358184 7027 XXX Purchase Primary 2/XX/2002 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96402095 20358185 2798 XXX Purchase Primary 2/XX/2002 TX $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402094 20358186 2798 XXX Refinance Cash-out - Other Primary 1/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402094 20358187 6568 XXX Refinance Cash-out - Other Primary 1/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96402094 20358188 2641 XXX Refinance Cash-out - Other Primary 1/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 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. 1/XX/2005
96402093 20358206 2798 XXX Purchase Primary 2/XX/1994 NJ $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402093 20358211 611 XXX Purchase Primary 2/XX/1994 NJ $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 2/XX/1995
96402093 20358212 2918 XXX Purchase Primary 2/XX/1994 NJ $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96402092 20358193 2798 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402092 20358194 2800 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96402092 20358195 20780 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96402092 20358196 6579 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 3 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.
96402092 20358197 7028 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96402092 20358198 1267 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96402092 20358199 25686 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 11/XX/1999
96402092 20358200 6302 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/1999
96402092 20358201 2645 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 11/XX/2001
96402092 20358202 3366 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 11/XX/2001
96402092 20358203 4967 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96402092 20358204 3934 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402092 20358205 18330 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96402092 20358207 2922 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96402092 20358208 6568 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96402092 20358209 23038 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96402092 20358210 2918 XXX Refinance UTD UTD 11/XX/1998 VA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96402091 20358231 2798 XXX Purchase Primary 7/XX/1997 TX $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402091 20358232 2918 XXX Purchase Primary 7/XX/1997 TX $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96402090 20358233 2798 XXX Purchase Primary 7/XX/1998 UT $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402090 20358234 7027 XXX Purchase Primary 7/XX/1998 UT $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96402090 20358235 23495 XXX Purchase Primary 7/XX/1998 UT $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 7/XX/1999
96402090 20358236 6302 XXX Purchase Primary 7/XX/1998 UT $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/1999
96402090 20358237 3365 XXX Purchase Primary 7/XX/1998 UT $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 7/XX/1999
96402090 20358238 2918 XXX Purchase Primary 7/XX/1998 UT $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96402089 20358239 3934 XXX Refinance Rate/Term Primary 2/XX/1999 PA $XXX Loan Review Complete 10/02/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402089 20358240 7027 XXX Refinance Rate/Term Primary 2/XX/1999 PA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96402089 20358241 2641 XXX Refinance Rate/Term Primary 2/XX/1999 PA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $11,892.40. Closing instructions indicate the Index used was 4.67%. The closest Index available in our look-back period is 4.79%. 2/XX/2002
96402087 20358246 2798 XXX Purchase Primary 7/XX/1997 VA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402087 20358247 25677 XXX Purchase Primary 7/XX/1997 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96402087 20358248 25688 XXX Purchase Primary 7/XX/1997 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 7/XX/1998
96402087 20358249 6302 XXX Purchase Primary 7/XX/1997 VA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/1998
96402087 20358250 6568 XXX Purchase Primary 7/XX/1997 VA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96402087 20358251 2918 XXX Purchase Primary 7/XX/1997 VA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401240 20358258 2798 XXX Purchase Primary 1/XX/1998 CT $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401240 20358259 7027 XXX Purchase Primary 1/XX/1998 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401240 20358260 25677 XXX Purchase Primary 1/XX/1998 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401240 20358261 6302 XXX Purchase Primary 1/XX/1998 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/1999
96401240 20358262 2641 XXX Purchase Primary 1/XX/1998 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. The Approval indicates the Index used was 4.949%. The lowest Index available within the look-back period is 5.04%. 1/XX/1999
96401240 20358263 2918 XXX Purchase Primary 1/XX/1998 CT $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96402088 20358264 2798 XXX Purchase Primary 7/XX/2001 TX $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402088 20358265 6568 XXX Purchase Primary 7/XX/2001 TX $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96402088 20358266 7027 XXX Purchase Primary 7/XX/2001 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test 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.
96402088 20358267 23495 XXX Purchase Primary 7/XX/2001 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 7/XX/2002
96402088 20358268 23494 XXX Purchase Primary 7/XX/2001 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 7/XX/2002
96401239 20358269 2798 XXX Purchase Primary 3/XX/2000 MA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401239 20358270 6553 XXX Purchase Primary 3/XX/2000 MA $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Credit open 2 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)
96401239 20358271 22274 XXX Purchase Primary 3/XX/2000 MA $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 Massachusetts Late Charge Percent Testing Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%.
96401239 20358272 25815 XXX Purchase Primary 3/XX/2000 MA $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 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.
96401239 20358273 2641 XXX Purchase Primary 3/XX/2000 MA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. Documentation in file reflects the lender used an index of 4.78% however 4.75% is the lowest available in the lookback period. 3/XX/2001
96401239 20358274 2918 XXX Purchase Primary 3/XX/2000 MA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401238 20358284 2798 XXX Purchase Primary 2/XX/2002 TX $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401238 20358285 7027 XXX Purchase Primary 2/XX/2002 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401236 20358277 2798 XXX Refinance Cash-out - Other Investment 11/XX/1996 FL $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401236 20358278 7027 XXX Refinance Cash-out - Other Investment 11/XX/1996 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401237 20358275 2798 XXX Refinance Cash-out - Debt Consolidation Investment 7/XX/1996 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401237 20358276 2918 XXX Refinance Cash-out - Debt Consolidation Investment 7/XX/1996 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401235 20358286 2798 XXX Refinance Cash-out - Other Primary 1/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401235 20358287 7027 XXX Refinance Cash-out - Other Primary 1/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401235 20358288 25677 XXX Refinance Cash-out - Other Primary 1/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401235 20358289 25688 XXX Refinance Cash-out - Other Primary 1/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 2/XX/1998
96401235 20358290 2641 XXX Refinance Cash-out - Other Primary 1/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 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/XX/2000
96401235 20358291 2645 XXX Refinance Cash-out - Other Primary 1/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2000
96401235 20358292 6306 XXX Refinance Cash-out - Other Primary 1/XX/1997 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 2/XX/1998
96401235 20358293 2918 XXX Refinance Cash-out - Other Primary 1/XX/1997 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401234 20358312 2798 XXX Refinance Cash-out - Other Investment 12/XX/1998 MD $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401234 20358313 22271 XXX Refinance Cash-out - Other Investment 12/XX/1998 MD $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
96401234 20358314 22270 XXX Refinance Cash-out - Other Investment 12/XX/1998 MD $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 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.
96401234 20358315 2918 XXX Refinance Cash-out - Other Investment 12/XX/1998 MD $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401232 20358308 2798 XXX Refinance Cash-out - Other Investment 2/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401232 20358309 7027 XXX Refinance Cash-out - Other Investment 2/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401232 20358310 2922 XXX Refinance Cash-out - Other Investment 2/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2002
96401232 20358311 2918 XXX Refinance Cash-out - Other Investment 2/XX/2002 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401233 20358306 7027 XXX Purchase Primary 7/XX/1999 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401233 20358307 6302 XXX Purchase Primary 7/XX/1999 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2000
96401704 20358299 2798 XXX Purchase Primary 7/XX/2003 NY $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401704 20358300 7027 XXX Purchase Primary 7/XX/2003 NY $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401704 20358301 2922 XXX Purchase Primary 7/XX/2003 NY $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401702 20358320 7027 XXX Purchase Primary 12/XX/1999 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401702 20358321 25677 XXX Purchase Primary 12/XX/1999 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401702 20358322 6302 XXX Purchase Primary 12/XX/1999 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2000
96401703 20358323 2798 XXX Refinance Cash-out - Other Primary 8/XX/1998 IL $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401703 20358324 25895 XXX Refinance Cash-out - Other Primary 8/XX/1998 IL $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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.
96401703 20358325 25688 XXX Refinance Cash-out - Other Primary 8/XX/1998 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 8/XX/1999
96401703 20358326 6302 XXX Refinance Cash-out - Other Primary 8/XX/1998 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/1999
96401703 20358327 2641 XXX Refinance Cash-out - Other Primary 8/XX/1998 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. Approval indicates the Index used was 4.917%. The closest Index available in our look-back period is 4.881%. 8/XX/2001
96401703 20358328 2642 XXX Refinance Cash-out - Other Primary 8/XX/1998 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2001
96401701 20358329 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2001 FL $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401701 20358330 23495 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2001 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 5/XX/2002
96401701 20358331 6302 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2001 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2002
96401701 20358332 2641 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2001 FL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $207.66. TIL Itemization only disclosed origination charges in the amount of $604.08 and final HUD reflects $806.08. 5/XX/2004
96401260 20358350 2798 XXX Refinance Rate/Term Primary 8/XX/1993 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401260 20358351 7027 XXX Refinance Rate/Term Primary 8/XX/1993 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401260 20358352 2641 XXX Refinance Rate/Term Primary 8/XX/1993 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. Under disclosure due to TIL disclosed utilizing an index lower that available within look back. Lowest index within look back is 4.05%. 8/XX/1996
96401260 20358353 2918 XXX Refinance Rate/Term Primary 8/XX/1993 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401700 20358341 2798 XXX Purchase Primary 12/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401700 20358343 2641 XXX Purchase Primary 12/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $1,863.27. Unable to determine under disclosure, it appears lender used an index lower than available within look back. Lowest index within look back is 3.59%. Unable to determine under disclosure of $131.02 -TIL Itemization does not itemize prepaid finance charges. Total prepaid finance charges disclosed was $XXX and audit calculates $XXX 12/XX/2002
96401700 20358346 26290 XXX Purchase Primary 12/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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.
96401259 20358354 7027 XXX Purchase Primary 11/XX/2001 OR $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401259 20358355 25688 XXX Purchase Primary 11/XX/2001 OR $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 12/XX/2002
96401259 20358356 6302 XXX Purchase Primary 11/XX/2001 OR $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2002
96401259 20358357 2641 XXX Purchase Primary 11/XX/2001 OR $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $162.79. Unable to determine under disclosure due to missing Itemization of Amount Financed. 12/XX/2002
96401259 20358358 2918 XXX Purchase Primary 11/XX/2001 OR $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401256 20358367 2798 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401256 20358368 7027 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401256 20358369 25677 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401256 20358370 2918 XXX Refinance Rate/Term Primary 3/XX/2002 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401258 20358380 2798 XXX Refinance Cash-out - Other Primary 3/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401257 20358375 2798 XXX Refinance Cash-out - Other Investment 11/XX/2001 NC $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401257 20358376 7027 XXX Refinance Cash-out - Other Investment 11/XX/2001 NC $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401257 20358377 22055 XXX Refinance Cash-out - Other Investment 11/XX/2001 NC $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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.
96401257 20358378 22064 XXX Refinance Cash-out - Other Investment 11/XX/2001 NC $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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%.
96401257 20358379 2918 XXX Refinance Cash-out - Other Investment 11/XX/2001 NC $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401254 20358389 2798 XXX Refinance Cash-out - Other Primary 10/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401254 20358390 6568 XXX Refinance Cash-out - Other Primary 10/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401254 20358391 7027 XXX Refinance Cash-out - Other Primary 10/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401254 20358392 25677 XXX Refinance Cash-out - Other Primary 10/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401254 20358393 6302 XXX Refinance Cash-out - Other Primary 10/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2002
96401254 20358394 2641 XXX Refinance Cash-out - Other Primary 10/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. Approval indicates the Index used was 4.274%. The closest Index available in our look-back period is 4.106%. 10/XX/2004
96401254 20358395 2918 XXX Refinance Cash-out - Other Primary 10/XX/2001 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401255 20358381 2798 XXX Purchase Primary 4/XX/2000 IL $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401255 20358382 7027 XXX Purchase Primary 4/XX/2000 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401255 20358383 25677 XXX Purchase Primary 4/XX/2000 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401255 20358384 23495 XXX Purchase Primary 4/XX/2000 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/2001
96401255 20358385 6302 XXX Purchase Primary 4/XX/2000 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2001
96401255 20358386 4967 XXX Purchase Primary 4/XX/2000 IL $XXX Loan Review Complete 10/02/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401255 20358387 2922 XXX Purchase Primary 4/XX/2000 IL $XXX Loan Review Complete 10/02/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401255 20358388 2918 XXX Purchase Primary 4/XX/2000 IL $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401253 20358396 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 AZ $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401775 20358398 2798 XXX Purchase Primary 6/XX/1997 AZ $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401775 20358399 7027 XXX Purchase Primary 6/XX/1997 AZ $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401775 20358400 25686 XXX Purchase Primary 6/XX/1997 AZ $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 6/XX/1998
96401775 20358401 6302 XXX Purchase Primary 6/XX/1997 AZ $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/1998
96401775 20358402 2641 XXX Purchase Primary 6/XX/1997 AZ $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $1,134.66. Approval indicate the Index used was 4.78%. The closest Index available in our look-back period is 4.822%. 6/XX/1998
96401775 20358403 2918 XXX Purchase Primary 6/XX/1997 AZ $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401776 20358404 2798 XXX Purchase Primary 3/XX/1997 MD $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401776 20358405 6568 XXX Purchase Primary 3/XX/1997 MD $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401776 20358406 7027 XXX Purchase Primary 3/XX/1997 MD $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401776 20358407 25677 XXX Purchase Primary 3/XX/1997 MD $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401776 20358408 25805 XXX Purchase Primary 3/XX/1997 MD $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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.
96401776 20358409 23495 XXX Purchase Primary 3/XX/1997 MD $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/1998
96401776 20358410 6302 XXX Purchase Primary 3/XX/1997 MD $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/1998
96401776 20358411 2918 XXX Purchase Primary 3/XX/1997 MD $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401773 20358416 2798 XXX Purchase Primary 11/XX/1999 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401773 20358417 6568 XXX Purchase Primary 11/XX/1999 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401773 20358418 26290 XXX Purchase Primary 11/XX/1999 CA $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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.
96401773 20358419 25688 XXX Purchase Primary 11/XX/1999 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 11/XX/2000
96401773 20358420 6302 XXX Purchase Primary 11/XX/1999 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2000
96401770 20358425 2798 XXX Refinance Cash-out - Other Primary 4/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401770 20358426 25677 XXX Refinance Cash-out - Other Primary 4/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401770 20358429 6302 XXX Refinance Cash-out - Other Primary 4/XX/2002 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2003
96401772 20358421 2798 XXX Purchase Primary 11/XX/2000 MN $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401772 20358422 7027 XXX Purchase Primary 11/XX/2000 MN $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401772 20358423 6568 XXX Purchase Primary 11/XX/2000 MN $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Holder's right to foreclose, Homestead Exemption Waiver
96401772 20358424 2641 XXX Purchase Primary 11/XX/2000 MN $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. Lender used an index from approval of 5.28% vs the lowest available in lookback was 5.37%. 11/XX/2001
96401771 20358431 2798 XXX Purchase Primary 9/XX/2001 TX $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401771 20358432 3934 XXX Purchase Primary 9/XX/2001 TX $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401771 20358433 23495 XXX Purchase Primary 9/XX/2001 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 9/XX/2002
96401649 20358434 2798 XXX Purchase Second Home 6/XX/2002 TX $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401649 20358435 2641 XXX Purchase Second Home 6/XX/2002 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. Approval indicates the Index used was 2.607%. The closest Index available in our look-back period is 2.98%.
96401649 20358436 2922 XXX Purchase Second Home 6/XX/2002 TX $XXX Loan Review Complete 10/02/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 06/XX/2002
96401648 20358478 2798 XXX Purchase Primary 7/XX/2003 OH $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401648 20358481 7027 XXX Purchase Primary 7/XX/2003 OH $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401648 20358491 2640 XXX Purchase Primary 7/XX/2003 OH $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 5.37100% is underdisclosed from calculated APR of 5.66988% outside of 0.125% tolerance. 7/XX/2004
96401648 20358493 2641 XXX Purchase Primary 7/XX/2003 OH $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $4,019.70. Unable to determine cause of under disclosure due to missing amortization schedule. 7/XX/2004
96401647 20358457 2798 XXX Purchase Primary 12/XX/1996 TX $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401647 20358460 6568 XXX Purchase Primary 12/XX/1996 TX $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401647 20358461 6302 XXX Purchase Primary 12/XX/1996 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/1997
96401647 20358463 2641 XXX Purchase Primary 12/XX/1996 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed. 12/XX/1997
96401647 20358471 2918 XXX Purchase Primary 12/XX/1996 TX $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401646 20358511 7027 XXX Purchase Primary 3/XX/2000 CA $XXX Loan Review Complete 10/08/2020 Compliance Federal Compliance Compliance open 2 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.
96401646 20358521 25677 XXX Purchase Primary 3/XX/2000 CA $XXX Loan Review Complete 10/08/2020 Compliance Federal Compliance Compliance open 2 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.
96401646 20358528 26290 XXX Purchase Primary 3/XX/2000 CA $XXX Loan Review Complete 10/08/2020 Compliance State Compliance Compliance open 2 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.
96401646 20358550 25688 XXX Purchase Primary 3/XX/2000 CA $XXX Loan Review Complete 10/08/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 3/XX/2001
96401646 20358555 6302 XXX Purchase Primary 3/XX/2000 CA $XXX Loan Review Complete 10/08/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2001
96401646 20358565 2922 XXX Purchase Primary 3/XX/2000 CA $XXX Loan Review Complete 10/08/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2000
96401646 20358568 2641 XXX Purchase Primary 3/XX/2000 CA $XXX Loan Review Complete 10/08/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing detailed itemization of amount financed. 3/XX/2001
96401646 20358570 2918 XXX Purchase Primary 3/XX/2000 CA $XXX Loan Review Complete 10/08/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401404 20358527 25687 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MO $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. 8/XX/2004
96401404 20358545 6302 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MO $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2004
96401958 20358487 2798 XXX Purchase Primary 7/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401958 20358489 6568 XXX Purchase Primary 7/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401958 20358494 7027 XXX Purchase Primary 7/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401958 20358498 25677 XXX Purchase Primary 7/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401958 20358503 26290 XXX Purchase Primary 7/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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.
96401958 20358505 23495 XXX Purchase Primary 7/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2002
96401958 20358514 23494 XXX Purchase Primary 7/XX/2001 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2002
96401958 20358519 2918 XXX Purchase Primary 7/XX/2001 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401489 20358474 2798 XXX Purchase Primary 4/XX/1996 IL $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401489 20358476 25895 XXX Purchase Primary 4/XX/1996 IL $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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.
96401489 20358477 25686 XXX Purchase Primary 4/XX/1996 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 4/XX/1997
96401489 20358480 6302 XXX Purchase Primary 4/XX/1996 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/1997
96401489 20358484 2641 XXX Purchase Primary 4/XX/1996 IL $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $2,348.15. Under dislcosure is due to fees and in the payment stream. Unable to determine the fee under disclosure. Itemization of finance charge was not provided. Under disclosure in payment stream is due to Final TIL reflecting no adjustments. Subject is an ARM loan. 4/XX/1997
96401489 20358485 2918 XXX Purchase Primary 4/XX/1996 IL $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401386 20358441 2798 XXX Refinance UTD UTD 11/XX/1993 PA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401386 20358442 4967 XXX Refinance UTD UTD 11/XX/1993 PA $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401386 20358443 3934 XXX Refinance UTD UTD 11/XX/1993 PA $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401386 20358444 18330 XXX Refinance UTD UTD 11/XX/1993 PA $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96401386 20358446 2922 XXX Refinance UTD UTD 11/XX/1993 PA $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401386 20358447 20780 XXX Refinance UTD UTD 11/XX/1993 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401386 20358448 6579 XXX Refinance UTD UTD 11/XX/1993 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 3 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.
96401386 20358449 7028 XXX Refinance UTD UTD 11/XX/1993 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401386 20358450 23038 XXX Refinance UTD UTD 11/XX/1993 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96401386 20358451 2645 XXX Refinance UTD UTD 11/XX/1993 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 11/XX/1996
96401386 20358452 3366 XXX Refinance UTD UTD 11/XX/1993 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 11/XX/1996
96402157 20358529 2798 XXX Purchase Primary 11/XX/2002 PA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402157 20358554 2922 XXX Purchase Primary 11/XX/2002 PA $XXX Loan Review Complete 10/02/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 09/XX/2002
96402157 20358558 7027 XXX Purchase Primary 11/XX/2002 PA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96402157 20358560 25677 XXX Purchase Primary 11/XX/2002 PA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96402157 20358561 23495 XXX Purchase Primary 11/XX/2002 PA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/2003
96402157 20358563 6302 XXX Purchase Primary 11/XX/2002 PA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2003
96402154 20358531 2798 XXX Purchase Primary 7/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402154 20358567 7027 XXX Purchase Primary 7/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96402154 20358571 25677 XXX Purchase Primary 7/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96402154 20358576 26290 XXX Purchase Primary 7/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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.
96402154 20358579 6302 XXX Purchase Primary 7/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2003
96402156 20358518 2798 XXX Purchase Primary 10/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402156 20358524 7027 XXX Purchase Primary 10/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96402156 20358534 25677 XXX Purchase Primary 10/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96402156 20358540 23495 XXX Purchase Primary 10/XX/2002 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 10/XX/2003
96402155 20358532 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402155 20358564 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402155 20358569 1268 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96402155 20358574 25677 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402155 20358577 2641 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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 $406.55. Unable to determine under disclosure due to missing Itemization of Amount Financed. 4/XX/2007
96402152 20358523 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/1996 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402152 20358533 6302 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/1996 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/1997
96402152 20358537 2641 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/1996 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $7,956.24. Unable to determine under disclosure due to missing Itemization of Amount Financed. 3/XX/1999
96402152 20358544 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/1996 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96402152 20358547 25688 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/1996 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 3/XX/1997
96402152 20358549 2918 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/1996 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96402153 20358573 6568 XXX Purchase Primary 4/XX/1995 TX $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 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
96402153 20358578 6302 XXX Purchase Primary 4/XX/1995 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/1996
96402153 20358580 6419 XXX Purchase Primary 4/XX/1995 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 4/XX/1996
96402153 20358581 2641 XXX Purchase Primary 4/XX/1995 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine underdisclosure due to missing amortization schedule. 4/XX/1996
96402153 20358582 2918 XXX Purchase Primary 4/XX/1995 TX $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96402151 20358585 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 MO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402151 20358587 2647 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 MO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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). 4/XX/2007
96401931 20358572 2640 XXX Purchase Primary 1/XX/2004 NY $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2005
96401931 20358575 2641 XXX Purchase Primary 1/XX/2004 NY $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 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. 1/XX/2005
96401930 20358589 2798 XXX Purchase Primary 1/XX/2003 TX $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401930 20358590 2922 XXX Purchase Primary 1/XX/2003 TX $XXX Loan Review Complete 10/02/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2003
96401930 20358591 6302 XXX Purchase Primary 1/XX/2003 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2004
96401930 20358592 2641 XXX Purchase Primary 1/XX/2003 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $925.84. Under disclosure due to TIL disclosed utilizing and index lower than available within look back. lowest index within look back is 2.63%. 1/XX/2004
96401930 20358593 7027 XXX Purchase Primary 1/XX/2003 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401930 20358594 25688 XXX Purchase Primary 1/XX/2003 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 1/XX/2004
96401929 20358596 2798 XXX Purchase Primary 1/XX/2001 CT $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401929 20358597 7027 XXX Purchase Primary 1/XX/2001 CT $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401929 20358598 25677 XXX Purchase Primary 1/XX/2001 CT $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401929 20358599 25685 XXX Purchase Primary 1/XX/2001 CT $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 Connecticut Prepayment Penalty Test Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.
96401929 20358600 25688 XXX Purchase Primary 1/XX/2001 CT $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 1/XX/2002
96401929 20358601 6306 XXX Purchase Primary 1/XX/2001 CT $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 1/XX/2002
96401929 20358602 2641 XXX Purchase Primary 1/XX/2001 CT $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine reason for under disclosure due to missing itemization of amount financed. 1/XX/2002
96401929 20358603 2918 XXX Purchase Primary 1/XX/2001 CT $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401928 20358605 2798 XXX Purchase Primary 1/XX/2001 CA $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401928 20358606 7027 XXX Purchase Primary 1/XX/2001 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401928 20358607 1268 XXX Purchase Primary 1/XX/2001 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401928 20358608 25677 XXX Purchase Primary 1/XX/2001 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401928 20358609 26290 XXX Purchase Primary 1/XX/2001 CA $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 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.
96401928 20358610 25687 XXX Purchase Primary 1/XX/2001 CA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. 1/XX/2002
96401458 20358611 2798 XXX Refinance Cash-out - Other Primary 12/XX/2003 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401458 20358612 6568 XXX Refinance Cash-out - Other Primary 12/XX/2003 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401458 20358613 20780 XXX Refinance Cash-out - Other Primary 12/XX/2003 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401458 20358614 25677 XXX Refinance Cash-out - Other Primary 12/XX/2003 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401458 20358615 25688 XXX Refinance Cash-out - Other Primary 12/XX/2003 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 1/XX/2005
96401458 20358616 2642 XXX Refinance Cash-out - Other Primary 12/XX/2003 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 1/XX/2007
96401456 20358632 2798 XXX Purchase Primary 3/XX/2003 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401456 20358635 7027 XXX Purchase Primary 3/XX/2003 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401456 20358639 23495 XXX Purchase Primary 3/XX/2003 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2004
96401456 20358640 6302 XXX Purchase Primary 3/XX/2003 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2004
96401456 20358644 6568 XXX Purchase Primary 3/XX/2003 CA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401456 20358645 2918 XXX Purchase Primary 3/XX/2003 CA $XXX Loan Review Complete 10/06/2020 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Rider - Other not provided Missing Conversion Rider
96401977 20358634 5445 XXX Refinance Rate/Term Primary 2/XX/2005 TN $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401977 20358637 1268 XXX Refinance Rate/Term Primary 2/XX/2005 TN $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401977 20358643 2641 XXX Refinance Rate/Term Primary 2/XX/2005 TN $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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 $411.72. Unable to determine under disclosure due to missing Itemization of Amount Financed. 2/XX/2008
96401892 20358672 2798 XXX Refinance Rate/Term Primary 9/XX/2004 CO $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401892 20358673 7027 XXX Refinance Rate/Term Primary 9/XX/2004 CO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401892 20358675 2644 XXX Refinance Rate/Term Primary 9/XX/2004 CO $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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. 9/XX/2007
96401402 20358674 6302 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/1992 CA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/1993
96401402 20358676 3934 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/1992 CA $XXX Loan Review Complete 10/02/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401403 20358678 25573 XXX Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 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 6.87500% contracts for a prepay term of 24 months, which exceeds max allowable.
96401403 20358679 25686 XXX Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 6/XX/2008
96401403 20358680 6302 XXX Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2008
96402116 20358687 25677 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96402116 20358689 25899 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 PA $XXX Loan Review Complete 10/01/2020 Compliance State Compliance Compliance open 2 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.
96402116 20358690 25686 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 5/XX/2008
96402116 20358692 6302 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2008
96402116 20358694 5445 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 PA $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401890 20358691 2922 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2012
96401890 20358693 25158 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401890 20358695 1277 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401890 20358696 1325 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401890 20358697 7115 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
96401890 20358698 18362 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401890 20358699 3353 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 12/XX/2013
96401889 20358712 2798 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401889 20358713 2922 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401889 20358714 3934 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401889 20358715 25158 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401889 20358716 7027 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401889 20358717 28193 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401889 20358718 1325 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401889 20358719 7087 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401889 20358720 1327 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401889 20358721 1332 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401889 20358722 3353 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 6/XX/2014
96401889 20358723 2645 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 6/XX/2016
96401889 20358724 3366 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2016
96401889 20358725 2800 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401889 20358726 4967 XXX Refinance Rate/Term Primary 6/XX/2013 IN $XXX Loan Review Complete 10/01/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401563 20358727 3934 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401563 20358728 25158 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 (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.
96401563 20358729 7027 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401563 20358730 28193 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 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.
96401563 20358731 1327 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401563 20358732 1332 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401563 20358733 3353 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 6/XX/2014
96401563 20358734 2645 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 6/XX/2016
96401563 20358735 5445 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401563 20358736 5434 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401563 20358737 6514 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401563 20358738 5437 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401563 20358739 6509 XXX Refinance Rate/Term Primary 6/XX/2013 TX $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401561 20358740 2798 XXX Purchase Primary 12/XX/2013 MA $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401561 20358741 5435 XXX Purchase Primary 12/XX/2013 MA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401561 20358742 1294 XXX Purchase Primary 12/XX/2013 MA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401561 20358743 1271 XXX Purchase Primary 12/XX/2013 MA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401561 20358744 7087 XXX Purchase Primary 12/XX/2013 MA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing Unable to determine if the initial escrow account statement is compliant based on missing information.
96401561 20358745 18362 XXX Purchase Primary 12/XX/2013 MA $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance open 2 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.
96401561 20358746 22274 XXX Purchase Primary 12/XX/2013 MA $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 Massachusetts Late Charge Percent Testing Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%.
96401561 20358747 1960 XXX Purchase Primary 12/XX/2013 MA $XXX Loan Review Complete 10/02/2020 Compliance State Compliance Compliance open 2 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.
96401452 20358796 5440 XXX Refinance Rate/Term Primary 1/XX/2013 CA $XXX Loan Review Complete 03/12/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96401452 20358798 1274 XXX Refinance Rate/Term Primary 1/XX/2013 CA $XXX Loan Review Complete 03/12/2020 Compliance Federal Compliance Compliance open 2 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.
96401452 20358799 2922 XXX Refinance Rate/Term Primary 1/XX/2013 CA $XXX Loan Review Complete 03/12/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2012
96401421 20358838 1274 XXX Refinance Rate/Term Primary 4/XX/2013 NJ $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 2 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.
96401421 20358841 2641 XXX Refinance Rate/Term Primary 4/XX/2013 NJ $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 2 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 $1,136.15. Settlement fee of $325 and Loan origination fee of $795 not included in prepaid finance charge of Itemization of Amount Financed, this is the cause for the under disclosure. 4/XX/2016
96402081 20358765 2800 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96402081 20358766 2798 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402081 20358768 4967 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96402081 20358770 2922 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96402081 20358771 3934 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402081 20358772 23933 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96402081 20358773 25158 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 2 (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.
96402081 20358774 20780 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 2 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.
96402081 20358775 6579 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 3 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.
96402081 20358778 7028 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 2 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.
96402081 20358779 23038 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96402081 20358780 3353 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 1/XX/2011
96402081 20358781 2645 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2013
96402081 20358782 3366 XXX Refinance UTD Primary 1/XX/2010 IL $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2013
96402084 20358784 7027 XXX Refinance Rate/Term Primary 10/XX/2009 IL $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 2 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.
96402084 20358785 25677 XXX Refinance Rate/Term Primary 10/XX/2009 IL $XXX Loan Review Complete 01/30/2020 Compliance Federal Compliance Compliance open 2 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.
96402084 20358786 4967 XXX Refinance Rate/Term Primary 10/XX/2009 IL $XXX Loan Review Complete 01/30/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96402084 20358787 2922 XXX Refinance Rate/Term Primary 10/XX/2009 IL $XXX Loan Review Complete 01/30/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96402050 20358852 25677 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2009 KS $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401922 20358862 5445 XXX Purchase Primary 5/XX/2008 VA $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401922 20358863 1268 XXX Purchase Primary 5/XX/2008 VA $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401922 20358864 613 XXX Purchase Primary 5/XX/2008 VA $XXX Loan Review Complete 03/05/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 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.		 5/XX/2009
96401922 20358865 3365 XXX Purchase Primary 5/XX/2008 VA $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 5/XX/2009
96401924 20358868 3934 XXX Purchase Primary 4/XX/2008 PA $XXX Loan Review Complete 03/12/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401924 20358869 7027 XXX Purchase Primary 4/XX/2008 PA $XXX Loan Review Complete 03/12/2020 Compliance Federal Compliance Compliance open 2 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.
96401924 20358870 3366 XXX Purchase Primary 4/XX/2008 PA $XXX Loan Review Complete 03/12/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 4/XX/2009
96401924 20358871 2798 XXX Purchase Primary 4/XX/2008 PA $XXX Loan Review Complete 03/12/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401924 20358872 2800 XXX Purchase Primary 4/XX/2008 PA $XXX Loan Review Complete 03/12/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401924 20358873 5445 XXX Purchase Primary 4/XX/2008 PA $XXX Loan Review Complete 03/12/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401954 20358887 3934 XXX Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 02/05/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401954 20358888 5791 XXX Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401954 20358889 7027 XXX Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401954 20358890 25677 XXX Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401955 20358894 2641 XXX Refinance Rate/Term Primary 3/XX/2008 MO $XXX Loan Review Complete 03/12/2020 Compliance Federal Compliance Compliance open 2 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. TIL Itemization did not disclose $25.00 CPL Fee and $263.10 Title Service Fee as prepaid finance charges. 3/XX/2011
96401955 20358895 3934 XXX Refinance Rate/Term Primary 3/XX/2008 MO $XXX Loan Review Complete 03/12/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401527 20358903 7027 XXX Refinance Rate/Term Primary 2/XX/2008 GA $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401527 20358904 1268 XXX Refinance Rate/Term Primary 2/XX/2008 GA $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401527 20358905 25677 XXX Refinance Rate/Term Primary 2/XX/2008 GA $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401527 20358906 2641 XXX Refinance Rate/Term Primary 2/XX/2008 GA $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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 $158.97. Unable to determine under disclosure due to missing itemization of amount financed. 2/XX/2011
96402051 20359063 2798 XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 03/18/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401830 20359082 2798 XXX Refinance UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401830 20359083 4967 XXX Refinance UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401830 20359084 2922 XXX Refinance UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401830 20359085 3934 XXX Refinance UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401830 20359086 18330 XXX Refinance UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96401830 20359087 25158 XXX Refinance UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 (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.
96401830 20359088 20780 XXX Refinance UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401830 20359089 6579 XXX Refinance UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 3 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.
96401830 20359090 7028 XXX Refinance UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401830 20359091 2645 XXX Refinance UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 6/XX/2010
96401830 20359092 3366 XXX Refinance UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2010
96401829 20359094 25158 XXX Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 (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.
96401556 20359098 6223 XXX Purchase Primary 6/XX/2007 ID $XXX Loan Review Complete 02/05/2020 Compliance State Compliance Compliance open 2 Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.
96401556 20359099 25677 XXX Purchase Primary 6/XX/2007 ID $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401329 20359135 613 XXX Refinance Cash-out - Other Primary 5/XX/2007 AZ $XXX Loan Review Complete 02/13/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties TIL appears to be final but not signed nor initialed by borrower 5/XX/2010
96401329 20359136 5445 XXX Refinance Cash-out - Other Primary 5/XX/2007 AZ $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401329 20359137 22050 XXX Refinance Cash-out - Other Primary 5/XX/2007 AZ $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 5/XX/2010
96401329 20359138 3365 XXX Refinance Cash-out - Other Primary 5/XX/2007 AZ $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 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.		 5/XX/2010
96401555 20359130 2798 XXX Purchase Primary 5/XX/2007 MI $XXX Loan Review Complete 02/05/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401555 20359131 611 XXX Purchase Primary 5/XX/2007 MI $XXX Loan Review Complete 02/05/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 5/XX/2008
96401555 20359132 7027 XXX Purchase Primary 5/XX/2007 MI $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401555 20359133 25677 XXX Purchase Primary 5/XX/2007 MI $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401764 20359153 2798 XXX Purchase Primary 4/XX/2007 TX $XXX Loan Review Complete 02/05/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401858 20359191 2798 XXX Refinance UTD Primary 3/XX/2007 AZ $XXX Loan Review Complete 03/20/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401858 20359192 4967 XXX Refinance UTD Primary 3/XX/2007 AZ $XXX Loan Review Complete 03/20/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401858 20359194 2922 XXX Refinance UTD Primary 3/XX/2007 AZ $XXX Loan Review Complete 03/20/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401858 20359195 3934 XXX Refinance UTD Primary 3/XX/2007 AZ $XXX Loan Review Complete 03/20/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401858 20359198 20780 XXX Refinance UTD Primary 3/XX/2007 AZ $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401858 20359199 6579 XXX Refinance UTD Primary 3/XX/2007 AZ $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 3 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.
96401858 20359200 7028 XXX Refinance UTD Primary 3/XX/2007 AZ $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401858 20359201 2645 XXX Refinance UTD Primary 3/XX/2007 AZ $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2010
96401858 20359202 3366 XXX Refinance UTD Primary 3/XX/2007 AZ $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2010
96402114 20359212 2922 XXX Purchase Primary 3/XX/2007 MO $XXX Loan Review Complete 03/20/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2007
96402114 20359213 7027 XXX Purchase Primary 3/XX/2007 MO $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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.
96402114 20359214 25677 XXX Purchase Primary 3/XX/2007 MO $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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.
96402114 20359215 2641 XXX Purchase Primary 3/XX/2007 MO $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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 $1,615.96. TIL Itemization disclosed payments as range of payments with MI instead of single payment for 120 months 3/XX/2008
96402004 20359250 2798 XXX Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 02/05/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402004 20359251 7027 XXX Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96402004 20359252 25677 XXX Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96402004 20359253 2641 XXX Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed. 2/XX/2008
96402003 20359265 2798 XXX Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 02/05/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402003 20359266 7027 XXX Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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.
96402003 20359267 3934 XXX Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 02/05/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401976 20359280 2798 XXX Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 03/18/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401976 20359281 7027 XXX Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 03/18/2020 Compliance Federal Compliance Compliance open 2 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.
96401428 20359287 1268 XXX Refinance Rate/Term Primary 11/XX/2006 PA $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401428 20359288 2641 XXX Refinance Rate/Term Primary 11/XX/2006 PA $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 11/XX/2009
96401428 20359289 2644 XXX Refinance Rate/Term Primary 11/XX/2006 PA $XXX Loan Review Complete 02/05/2020 Compliance Federal Compliance Compliance open 2 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. 11/XX/2009
96402022 20359293 25677 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 FL $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401644 20359319 7027 XXX Refinance Rate/Term Primary 8/XX/2006 CO $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401644 20359320 25686 XXX Refinance Rate/Term Primary 8/XX/2006 CO $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 8/XX/2007
96401361 20359334 7027 XXX Purchase Primary 7/XX/2006 TX $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401857 20359340 2798 XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 02/13/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401857 20359341 7027 XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401857 20359342 1268 XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401857 20359343 25677 XXX Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401595 20359345 7027 XXX Purchase Primary 7/XX/2006 ID $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401595 20359346 25677 XXX Purchase Primary 7/XX/2006 ID $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401595 20359347 6225 XXX Purchase Primary 7/XX/2006 ID $XXX Loan Review Complete 02/13/2020 Compliance State Compliance Compliance open 2 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.
96401362 20359349 7027 XXX Refinance Rate/Term Primary 6/XX/2006 FL $XXX Loan Review Complete 03/18/2020 Compliance Federal Compliance Compliance open 2 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.
96401362 20359350 1268 XXX Refinance Rate/Term Primary 6/XX/2006 FL $XXX Loan Review Complete 03/18/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401362 20359351 25677 XXX Refinance Rate/Term Primary 6/XX/2006 FL $XXX Loan Review Complete 03/18/2020 Compliance Federal Compliance Compliance open 2 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.
96402023 20359352 583 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MN $XXX Loan Review Complete 03/20/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) Security Instrument Error: Notary Date was not provided
96402023 20359353 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MN $XXX Loan Review Complete 03/20/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402023 20359354 3934 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MN $XXX Loan Review Complete 03/20/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402023 20359355 5445 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MN $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96402023 20359356 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MN $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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.
96402023 20359357 22137 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MN $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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
96402023 20359358 2642 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MN $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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 06/XX/2006. 6/XX/2009
96402023 20359359 2647 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MN $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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). 6/XX/2009
96401813 20359360 2864 XXX Purchase Primary 6/XX/2006 LA $XXX Loan Review Complete 02/13/2020 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401813 20359361 7027 XXX Purchase Primary 6/XX/2006 LA $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401813 20359362 611 XXX Purchase Primary 6/XX/2006 LA $XXX Loan Review Complete 02/13/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 6/XX/2007
96402150 20359392 1267 XXX Purchase Primary 2/XX/2006 TN $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.
96402150 20359393 1268 XXX Purchase Primary 2/XX/2006 TN $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401504 20359394 6302 XXX Purchase Primary 1/XX/2006 IL $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2007
96401504 20359395 5445 XXX Purchase Primary 1/XX/2006 IL $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401504 20359396 1268 XXX Purchase Primary 1/XX/2006 IL $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401504 20359397 25677 XXX Purchase Primary 1/XX/2006 IL $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401530 20359434 23495 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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. 8/XX/2006
96401530 20359435 6302 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2006
96401530 20359436 1268 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401530 20359437 25677 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401530 20359438 7027 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401530 20359439 2641 XXX Purchase Primary 8/XX/2005 NJ $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount finance. 8/XX/2006
96401957 20359454 2798 XXX Purchase Primary 5/XX/2005 TX $XXX Loan Review Complete 02/13/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401957 20359455 4967 XXX Purchase Primary 5/XX/2005 TX $XXX Loan Review Complete 02/13/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401957 20359456 2922 XXX Purchase Primary 5/XX/2005 TX $XXX Loan Review Complete 02/13/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401957 20359457 3934 XXX Purchase Primary 5/XX/2005 TX $XXX Loan Review Complete 02/13/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401957 20359458 20780 XXX Purchase Primary 5/XX/2005 TX $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401957 20359459 6579 XXX Purchase Primary 5/XX/2005 TX $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 3 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.
96401957 20359460 7028 XXX Purchase Primary 5/XX/2005 TX $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401957 20359461 3366 XXX Purchase Primary 5/XX/2005 TX $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2006
96401957 20359462 2800 XXX Purchase Primary 5/XX/2005 TX $XXX Loan Review Complete 02/13/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96402085 20359488 5445 XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96402085 20359489 25677 XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96402085 20359490 2642 XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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. 3/XX/2008
96402085 20359491 22137 XXX Refinance Rate/Term Primary 3/XX/2005 GA $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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
96402086 20359500 25677 XXX Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401251 20359517 25677 XXX Refinance Rate/Term Primary 9/XX/2004 IL $XXX Loan Review Complete 02/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401231 20359518 3934 XXX Refinance Cash-out - Other Primary 10/XX/2002 MI $XXX Loan Review Complete 03/31/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401231 20359519 7027 XXX Refinance Cash-out - Other Primary 10/XX/2002 MI $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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.
96401231 20359520 2645 XXX Refinance Cash-out - Other Primary 10/XX/2002 MI $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 9/XX/2005
96401231 20359521 3366 XXX Refinance Cash-out - Other Primary 10/XX/2002 MI $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 9/XX/2005
96401231 20359522 2800 XXX Refinance Cash-out - Other Primary 10/XX/2002 MI $XXX Loan Review Complete 03/31/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401697 20359534 7027 XXX Purchase Primary 8/XX/2005 PA $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401697 20359535 25677 XXX Purchase Primary 8/XX/2005 PA $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 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.
96401697 20359536 2798 XXX Purchase Primary 8/XX/2005 PA $XXX Loan Review Complete 02/13/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401420 20359541 1974 XXX Refinance Rate/Term Primary 11/XX/2013 MI $XXX Loan Review Complete 03/05/2020 Compliance State Compliance Compliance open 2 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.
96401420 20359542 1977 XXX Refinance Rate/Term Primary 11/XX/2013 MI $XXX Loan Review Complete 03/05/2020 Compliance State Compliance Compliance open 2 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.
96401420 20359543 6589 XXX Refinance Rate/Term Primary 11/XX/2013 MI $XXX Loan Review Complete 03/05/2020 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96401420 20359544 2641 XXX Refinance Rate/Term Primary 11/XX/2013 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed 11/XX/2016
96401422 20359562 23038 XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96401422 20359563 1268 XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401422 20359564 4967 XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 02/28/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401422 20359565 2922 XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 02/28/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401422 20359566 1303 XXX Refinance Rate/Term Primary 3/XX/2013 GA $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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
96401423 20359567 1274 XXX Refinance Rate/Term Primary 2/XX/2013 MI $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401423 20359568 6589 XXX Refinance Rate/Term Primary 2/XX/2013 MI $XXX Loan Review Complete 02/28/2020 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96401423 20359569 2922 XXX Refinance Rate/Term Primary 2/XX/2013 MI $XXX Loan Review Complete 02/28/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2013
96401424 20359570 5791 XXX Refinance Rate/Term Primary 2/XX/2013 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401424 20359571 6514 XXX Refinance Rate/Term Primary 2/XX/2013 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401424 20359572 5431 XXX Refinance Rate/Term Primary 2/XX/2013 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
96401424 20359573 1274 XXX Refinance Rate/Term Primary 2/XX/2013 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401424 20359574 2641 XXX Refinance Rate/Term Primary 2/XX/2013 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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. 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. 2/XX/2016
96401454 20359575 25158 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 (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.
96401454 20359576 5434 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401454 20359577 6514 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401454 20359578 5437 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401454 20359579 5438 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401454 20359580 20735 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 02/28/2020 Compliance State Compliance Compliance open 2 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.
96401454 20359581 1992 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 02/28/2020 Compliance State Compliance Compliance open 2 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.
96401454 20359583 2922 XXX Refinance Rate/Term Primary 12/XX/2012 MN $XXX Loan Review Complete 02/28/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401453 20359584 2800 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 02/28/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401453 20359585 1303 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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
96401453 20359587 6514 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.
96401453 20359588 5437 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.
96401453 20359589 5438 XXX Refinance Rate/Term Primary 12/XX/2012 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401455 20359593 5438 XXX Refinance Rate/Term Primary 8/XX/2012 AZ $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401455 20359594 1274 XXX Refinance Rate/Term Primary 8/XX/2012 AZ $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401455 20359595 1287 XXX Refinance Rate/Term Primary 8/XX/2012 AZ $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401455 20359596 1294 XXX Refinance Rate/Term Primary 8/XX/2012 AZ $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401455 20359597 2642 XXX Refinance Rate/Term Primary 8/XX/2012 AZ $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2012, prior to three (3) business days from transaction date of 08/XX/2012. 8/XX/2015
96401455 20359598 2647 XXX Refinance Rate/Term Primary 8/XX/2012 AZ $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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). 8/XX/2015
96401455 20359599 6514 XXX Refinance Rate/Term Primary 8/XX/2012 AZ $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401425 20359590 5445 XXX Refinance Rate/Term Primary 11/XX/2012 PA $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401425 20359591 5434 XXX Refinance Rate/Term Primary 11/XX/2012 PA $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401425 20359592 6509 XXX Refinance Rate/Term Primary 11/XX/2012 PA $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401812 20359619 25158 XXX Refinance Rate/Term Primary 1/XX/2012 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 (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.
96401812 20359620 5434 XXX Refinance Rate/Term Primary 1/XX/2012 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.
96401812 20359621 6514 XXX Refinance Rate/Term Primary 1/XX/2012 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401812 20359622 6509 XXX Refinance Rate/Term Primary 1/XX/2012 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.
96401812 20359623 1303 XXX Refinance Rate/Term Primary 1/XX/2012 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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
96401356 20359644 7027 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401356 20359645 1277 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401356 20359646 25677 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401356 20359647 2633 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2011
96401356 20359648 2634 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2011
96401356 20359649 18362 XXX Refinance Cash-out - Other Primary 12/XX/2010 TN $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401357 20359650 25158 XXX Purchase Primary 11/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 (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.
96401357 20359651 1275 XXX Purchase Primary 11/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401357 20359652 25677 XXX Purchase Primary 11/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401357 20359653 1271 XXX Purchase Primary 11/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401357 20359654 5431 XXX Purchase Primary 11/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
96401358 20359675 25158 XXX Refinance Cash-out - Other Primary 5/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 (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.
96401358 20359676 7027 XXX Refinance Cash-out - Other Primary 5/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401358 20359677 23038 XXX Refinance Cash-out - Other Primary 5/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96401358 20359678 25677 XXX Refinance Cash-out - Other Primary 5/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401358 20359679 7087 XXX Refinance Cash-out - Other Primary 5/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401358 20359680 18362 XXX Refinance Cash-out - Other Primary 5/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401358 20359681 1332 XXX Refinance Cash-out - Other Primary 5/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401358 20359682 3353 XXX Refinance Cash-out - Other Primary 5/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 5/XX/2011
96401358 20359683 4967 XXX Refinance Cash-out - Other Primary 5/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401358 20359684 2922 XXX Refinance Cash-out - Other Primary 5/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401358 20359685 3934 XXX Refinance Cash-out - Other Primary 5/XX/2010 NY $XXX Loan Review Complete 02/28/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96402082 20359691 22137 XXX Refinance Rate/Term Primary 12/XX/2009 AR $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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
96402083 20359693 25158 XXX Purchase Primary 11/XX/2009 MD $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 (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.
96402083 20359694 7027 XXX Purchase Primary 11/XX/2009 MD $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96402083 20359695 20745 XXX Purchase Primary 11/XX/2009 MD $XXX Loan Review Complete 02/28/2020 Compliance State Compliance Compliance open 2 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.
96402083 20359696 3353 XXX Purchase Primary 11/XX/2009 MD $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 11/XX/2010
96402146 20359697 613 XXX Refinance Rate/Term Primary 8/XX/2009 MO $XXX Loan Review Complete 02/20/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties TIL appears to be final but not signed nor initialed by borrower. 8/XX/2012
96402146 20359698 7027 XXX Refinance Rate/Term Primary 8/XX/2009 MO $XXX Loan Review Complete 02/20/2020 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96402146 20359699 3365 XXX Refinance Rate/Term Primary 8/XX/2009 MO $XXX Loan Review Complete 02/20/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 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. 8/XX/2012
96402146 20359700 25677 XXX Refinance Rate/Term Primary 8/XX/2009 MO $XXX Loan Review Complete 02/20/2020 Compliance Federal Compliance Compliance open 2 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.
96402146 20359701 22050 XXX Refinance Rate/Term Primary 8/XX/2009 MO $XXX Loan Review Complete 02/20/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 8/XX/2012
96402147 20359703 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2009 NM $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96402147 20359704 1268 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2009 NM $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96402147 20359705 25677 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2009 NM $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96402148 20359709 1267 XXX Purchase Primary 4/XX/2009 MO $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.
96402148 20359710 1268 XXX Purchase Primary 4/XX/2009 MO $XXX Loan Review Complete 02/13/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96402149 20359711 22866 XXX Refinance Cash-out - Other Primary 3/XX/2009 IL $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 (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. 3/XX/2012
96402149 20359712 25677 XXX Refinance Cash-out - Other Primary 3/XX/2009 IL $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401503 20359716 2798 XXX Purchase UTD 12/XX/2008 NY $XXX Loan Review Complete 02/28/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401503 20359717 18330 XXX Purchase UTD 12/XX/2008 NY $XXX Loan Review Complete 02/28/2020 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96401503 20359718 25158 XXX Purchase UTD 12/XX/2008 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 (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.
96401503 20359719 20780 XXX Purchase UTD 12/XX/2008 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401503 20359720 6579 XXX Purchase UTD 12/XX/2008 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 3 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.
96401503 20359721 7028 XXX Purchase UTD 12/XX/2008 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 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.
96401503 20359722 3366 XXX Purchase UTD 12/XX/2008 NY $XXX Loan Review Complete 02/28/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2009
96401503 20359723 2800 XXX Purchase UTD 12/XX/2008 NY $XXX Loan Review Complete 02/28/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401503 20359724 4967 XXX Purchase UTD 12/XX/2008 NY $XXX Loan Review Complete 02/28/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401503 20359725 2922 XXX Purchase UTD 12/XX/2008 NY $XXX Loan Review Complete 02/28/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401503 20359726 3934 XXX Purchase UTD 12/XX/2008 NY $XXX Loan Review Complete 02/28/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401925 20359781 4967 XXX Refinance Cash-out - Other Primary 5/XX/2008 GA $XXX Loan Review Complete 03/18/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401925 20359782 2922 XXX Refinance Cash-out - Other Primary 5/XX/2008 GA $XXX Loan Review Complete 03/18/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401925 20359787 3934 XXX Refinance Cash-out - Other Primary 5/XX/2008 GA $XXX Loan Review Complete 03/18/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401925 20359788 2645 XXX Refinance Cash-out - Other Primary 5/XX/2008 GA $XXX Loan Review Complete 03/18/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2011
96401925 20359789 3366 XXX Refinance Cash-out - Other Primary 5/XX/2008 GA $XXX Loan Review Complete 03/18/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2011
96401923 20359783 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 CA $XXX Loan Review Complete 03/20/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401923 20359784 20780 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 CA $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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.
96401923 20359785 6579 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 CA $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 3 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.
96401923 20359786 7028 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 CA $XXX Loan Review Complete 03/20/2020 Compliance Federal Compliance Compliance open 2 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/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.
96402002 20359796 2798 XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 03/31/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402002 20359797 25677 XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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.
96402002 20359798 20780 XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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.
96402002 20359799 6579 XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 3 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.
96402002 20359800 7028 XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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.
96402002 20359801 25688 XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 5/XX/2008
96402002 20359802 6306 XXX Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 5/XX/2008
96401953 20359810 3934 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 FL $XXX Loan Review Complete 03/18/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401953 20359811 2922 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 FL $XXX Loan Review Complete 03/18/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: <empty>
96401953 20359812 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 FL $XXX Loan Review Complete 03/18/2020 Compliance Federal Compliance Compliance open 2 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.
96401953 20359813 2645 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 FL $XXX Loan Review Complete 03/18/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2011
96401953 20359814 3366 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 FL $XXX Loan Review Complete 03/18/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2011
96401953 20359815 2800 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 FL $XXX Loan Review Complete 03/18/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401363 20359836 5445 XXX Purchase Primary 5/XX/2006 MI $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401363 20359837 7027 XXX Purchase Primary 5/XX/2006 MI $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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.
96401385 20359881 2798 XXX Refinance Cash-out - Other Primary 3/XX/2004 MA $XXX Loan Review Complete 03/31/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401385 20359882 7027 XXX Refinance Cash-out - Other Primary 3/XX/2004 MA $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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.
96401926 20359885 7027 XXX Purchase Primary 2/XX/2008 TX $XXX Loan Review Complete 03/18/2020 Compliance Federal Compliance Compliance open 2 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.
96402115 20359886 2798 XXX Purchase Primary 3/XX/2007 MO $XXX Loan Review Complete 03/26/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96402115 20359887 7027 XXX Purchase Primary 3/XX/2007 MO $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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.
96402115 20359888 1268 XXX Purchase Primary 3/XX/2007 MO $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96402115 20359889 25677 XXX Purchase Primary 3/XX/2007 MO $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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.
96401727 20359923 2798 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CT $XXX Loan Review Complete 03/26/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401727 20359924 2922 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CT $XXX Loan Review Complete 03/26/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401727 20359925 3934 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CT $XXX Loan Review Complete 03/26/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401727 20359926 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CT $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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.
96401727 20359927 2645 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CT $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2010
96401727 20359928 3366 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CT $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2010
96401727 20359929 4967 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CT $XXX Loan Review Complete 03/26/2020 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401729 20359955 7027 XXX Purchase Primary 1/XX/2007 FL $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401729 20359956 25677 XXX Purchase Primary 1/XX/2007 FL $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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.
96401230 20359959 6589 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 03/31/2020 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96401230 20359960 2641 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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. TIL itemization did not disclose a courier fee of $50 and a recording fee of $20 as prepaid finance charge. 6/XX/2006
96401927 20359958 2642 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 NY $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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. 12/XX/2008
96401247 20360009 1268 XXX Refinance Cash-out - Other Primary 10/XX/2007 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401247 20360010 25677 XXX Refinance Cash-out - Other Primary 10/XX/2007 MI $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401247 20360012 6589 XXX Refinance Cash-out - Other Primary 10/XX/2007 MI $XXX Loan Review Complete 03/05/2020 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96401528 20360013 1891 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 MA $XXX Loan Review Complete 03/26/2020 Compliance State Compliance Compliance open 2 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. 9/XX/2008
96401696 20360035 2641 XXX Purchase Primary 8/XX/2005 WA $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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 $665.13. Unable to determine under disclosure due to missing Itemization of Amount Financed. 8/XX/2006
96401248 20360042 7027 XXX Purchase Primary 9/XX/2007 CA $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 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.
96401248 20360043 6302 XXX Purchase Primary 9/XX/2007 CA $XXX Loan Review Complete 03/05/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2008
96401698 20360044 20780 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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.
96401698 20360045 25686 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 7/XX/2006
96401698 20360046 6302 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2006
96401698 20360047 22050 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2008
96401698 20360048 2642 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96401698 20360049 3934 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401698 20360050 2800 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401698 20360051 613 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties TIL appears to be final but not signed nor initialed by borrower. 7/XX/2008
96401698 20360053 2922 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2005
96401698 20360054 5445 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401698 20360055 1267 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96401698 20360057 3365 XXX Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 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. 7/XX/2008
96401699 20360058 7027 XXX Refinance Rate/Term Primary 7/XX/2005 RI $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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.
96401359 20360157 2798 XXX Refinance Cash-out - Other Primary 7/XX/2006 HI $XXX Loan Review Complete 03/26/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401359 20360159 3934 XXX Refinance Cash-out - Other Primary 7/XX/2006 HI $XXX Loan Review Complete 03/26/2020 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401359 20360160 5445 XXX Refinance Cash-out - Other Primary 7/XX/2006 HI $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401359 20360161 7027 XXX Refinance Cash-out - Other Primary 7/XX/2006 HI $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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.
96401359 20360162 2645 XXX Refinance Cash-out - Other Primary 7/XX/2006 HI $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2009
96401359 20360163 3366 XXX Refinance Cash-out - Other Primary 7/XX/2006 HI $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2009
96401250 20360167 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 OH $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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.
96401487 20360170 7027 XXX Refinance Rate/Term Primary 10/XX/2004 MA $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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.
96401487 20360171 25677 XXX Refinance Rate/Term Primary 10/XX/2004 MA $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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.
96401384 20360202 7027 XXX Purchase Primary 4/XX/2004 PA $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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.
96401383 20360203 7027 XXX Purchase Primary 4/XX/2004 TX $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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.
96401383 20360204 2640 XXX Purchase Primary 4/XX/2004 TX $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 6.77400% is underdisclosed from calculated APR of 6.93792% outside of 0.125% tolerance. 4/XX/2005
96401383 20360205 2641 XXX Purchase Primary 4/XX/2004 TX $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 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 $1,643.18. Unable to determine under disclosure due to missing itemization of amount financed. 4/XX/2005
96401383 20360206 5010 XXX Purchase Primary 4/XX/2004 TX $XXX Loan Review Complete 03/26/2020 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 4/XX/2005
96401252 20360211 2798 XXX Refinance Rate/Term Primary 8/XX/2004 MI $XXX Loan Review Complete 09/14/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401252 20360213 7027 XXX Refinance Rate/Term Primary 8/XX/2004 MI $XXX Loan Review Complete 09/14/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 06/XX/2004.
96401252 20360214 1270 XXX Refinance Rate/Term Primary 8/XX/2004 MI $XXX Loan Review Complete 09/14/2018 Compliance Federal Compliance Compliance open 2 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.
96401252 20360215 1974 XXX Refinance Rate/Term Primary 8/XX/2004 MI $XXX Loan Review Complete 09/14/2018 Compliance State Compliance Compliance open 2 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.
96401252 20360216 1977 XXX Refinance Rate/Term Primary 8/XX/2004 MI $XXX Loan Review Complete 09/14/2018 Compliance State Compliance Compliance open 2 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.
96401252 20360217 6589 XXX Refinance Rate/Term Primary 8/XX/2004 MI $XXX Loan Review Complete 09/14/2018 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96401328 20360225 6223 XXX Refinance Cash-out - Other Primary 6/XX/2007 ID $XXX Loan Review Complete 02/04/2019 Compliance State Compliance Compliance open 2 Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.
96401328 20360226 3934 XXX Refinance Cash-out - Other Primary 6/XX/2007 ID $XXX Loan Review Complete 02/04/2019 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401516 20360268 25454 XXX Purchase Primary 5/XX/2017 MA $XXX Loan Review Complete 09/18/2019 Appraisal Reconciliation Value Discrepancy Property open 3 Loan is to go in a securitization and reflects only one valuation product when two are required.
96401516 20360269 4826 XXX Purchase Primary 5/XX/2017 MA $XXX Loan Review Complete 09/18/2019 Compliance Federal Compliance Compliance open 2 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2017) Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing 5/XX/2018
96401516 20360270 6542 XXX Purchase Primary 5/XX/2017 MA $XXX Loan Review Complete 09/18/2019 Compliance Federal Compliance Compliance open 2 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 $100.60 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. (7520) Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $100.60 exceeds tolerance of $75.00. A cure of $25.60 was provided to the borrower for this overage, but cure not sufficient to offset total overages 5/XX/2018
96401516 20360271 6542 XXX Purchase Primary 5/XX/2017 MA $XXX Loan Review Complete 09/18/2019 Compliance Federal Compliance Compliance open 2 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,302.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,302.80 paid by the seller exceeds tolerance of $0.00. Missing proof of valid change, insufficient cure was provided to the borrower. 5/XX/2018
96401664 20360342 855 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2017 FL $XXX Loan Review Complete 09/25/2019 Loan Package Documentation Application / Processing Credit open 3 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		 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.
96401664 20360343 20379 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2017 FL $XXX Loan Review Complete 09/25/2019 Insurance Insurance Analysis Credit open 2 Flood Insurance Policy expires within 90 days of the Note Date. Flood Insurance Policy Expiration Date 01/XX/2017; Note Date 02/XX/2017 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.
96401664 20360344 25454 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2017 FL $XXX Loan Review Complete 09/25/2019 Appraisal Reconciliation Value Discrepancy Property open 3 Loan is to go in a securitization and reflects only one valuation product when two are required. Two appraisals will be needed for Securitization and were not provided
96401664 20360345 23895 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2017 FL $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 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) The LE dated 01/XX/17 is presumed received 01/XX/17. The initial CD is dated 01/XX/17. 2/XX/2018
96401664 20360346 4916 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2017 FL $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Borrower did not receive a list of service providers within 3 business days of application. 2/XX/2018
96401664 20360347 4825 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2017 FL $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 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) Prepaid Interest is reflected to 02/XX/17; should be reflected to 03/XX/17. 2/XX/2018
96401664 20360348 5012 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2017 FL $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 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) 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/XX/2018
96401664 20360349 4846 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2017 FL $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 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) 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/XX/2018
96401444 20360358 23086 XXX Purchase Primary 8/XX/2016 FL $XXX Loan Review Complete 09/11/2019 Asset Asset Calculation / Analysis Credit open 3 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. Borrower had over $1000 in POC
96401444 20360359 4826 XXX Purchase Primary 8/XX/2016 FL $XXX Loan Review Complete 09/11/2019 Compliance Federal Compliance Compliance open 2 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review 8/XX/2017
96401444 20360361 6542 XXX Purchase Primary 8/XX/2016 FL $XXX Loan Review Complete 09/11/2019 Compliance Federal Compliance Compliance open 2 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review 8/XX/2017
96401444 20360362 6542 XXX Purchase Primary 8/XX/2016 FL $XXX Loan Review Complete 09/11/2019 Compliance Federal Compliance Compliance open 2 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review 8/XX/2017
96401444 20360363 6542 XXX Purchase Primary 8/XX/2016 FL $XXX Loan Review Complete 09/11/2019 Compliance Federal Compliance Compliance open 2 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review 8/XX/2017
96401444 20360364 3879 XXX Purchase Primary 8/XX/2016 FL $XXX Loan Review Complete 09/11/2019 Compliance Federal Compliance Compliance open 2 TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. No evidence of receipt was located in the file. 8/XX/2017
96401444 20360365 6542 XXX Purchase Primary 8/XX/2016 FL $XXX Loan Review Complete 09/11/2019 Compliance Federal Compliance Compliance open 2 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review 8/XX/2017
96401444 20360366 6542 XXX Purchase Primary 8/XX/2016 FL $XXX Loan Review Complete 09/11/2019 Compliance Federal Compliance Compliance open 2 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review 8/XX/2017
96401444 20360367 6543 XXX Purchase Primary 8/XX/2016 FL $XXX Loan Review Complete 09/11/2019 Compliance Federal Compliance Compliance open 2 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review 8/XX/2017
96401244 20360391 855 XXX Refinance Cash-out - Home Improvement Primary 3/XX/2016 CA $XXX Loan Review Complete 09/19/2019 Loan Package Documentation Application / Processing Credit open 3 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 01/XX/2016 
Disaster End Date: 11/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 11/XX/2018
96401244 20360392 25454 XXX Refinance Cash-out - Home Improvement Primary 3/XX/2016 CA $XXX Loan Review Complete 09/19/2019 Appraisal Reconciliation Value Discrepancy Property open 3 Loan is to go in a securitization and reflects only one valuation product when two are required. Two appraisal will be needed for Securitization and were not provided.
96401244 20360393 25158 XXX Refinance Cash-out - Home Improvement Primary 3/XX/2016 CA $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 (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. Unable to determine the Rate Lock date due to missing information.
96401244 20360394 4276 XXX Refinance Cash-out - Home Improvement Primary 3/XX/2016 CA $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 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) The last Initial Closing Disclosure was issued 1 day before the Final Closing Disclosure. 3/XX/2017
96401244 20360395 4825 XXX Refinance Cash-out - Home Improvement Primary 3/XX/2016 CA $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 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) 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. 3/XX/2017
96401244 20360396 4846 XXX Refinance Cash-out - Home Improvement Primary 3/XX/2016 CA $XXX Loan Review Complete 09/19/2019 Compliance Federal Compliance Compliance open 2 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) Closing Cost Financed on the final Closing Disclosure is incorrect. 3/XX/2017
96401911 20360421 2922 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401911 20360422 2800 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401911 20360423 2834 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401911 20360424 2842 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Loan Package Documentation Loan File Credit open 3 Missing Document: Hazard Insurance Policy not provided
96401911 20360425 4922 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Loan Package Documentation Application / Processing Credit open 3 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
96401911 20360426 2808 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Approval not provided
96401911 20360427 25454 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Appraisal Reconciliation Value Discrepancy Property open 3 Loan is to go in a securitization and reflects only one valuation product when two are required.
96401911 20360428 5430 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 802) Without Cure RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
96401911 20360429 1275 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 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.
96401911 20360430 1283 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 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.
96401911 20360431 1287 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.
96401911 20360433 1294 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96401911 20360436 21706 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge fee of 5% exceeds the max allowed of 2% for the state of NY.
96401911 20360437 25158 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 (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.
96401911 20360439 5304 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 (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.
96401911 20360442 22866 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 (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. 7/XX/2018
96401911 20360444 24490 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 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.
96401911 20360446 1268 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401911 20360449 2644 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 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. 7/XX/2018
96401911 20360455 5432 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 0% Tolerance (Line 803) Without Cure RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
96401911 20360458 2856 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided
96401911 20360459 2802 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Loan Package Documentation Application / Processing Compliance open 2 Missing Document: Missing Lender's Initial 1003
96401911 20360460 2924 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided
96401911 20360461 23698 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Credit Credit Documentation Credit open 3 No evidence of fraud report in file Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX
96401911 20360462 5404 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Income / Employment Income Documentation Credit open 3 Income Docs Missing: Borrower: XXX, Borrower: XXX VVOE - Employment Only
Paystubs (2015), VVOE - Employment Only, W-2 (2013), W-2 (2014)		 Missing the VVOE
96401911 20360463 22050 XXX Refinance Rate/Term Primary 7/XX/2015 NY $XXX Loan Review Complete 09/25/2019 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2018
96401912 20360501 1274 XXX Purchase Primary 4/XX/2015 VA $XXX Loan Review Complete 08/22/2019 Compliance Federal Compliance Compliance open 2 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.
96401913 20360523 2641 XXX Refinance Cash-out - Home Improvement Primary 2/XX/2015 CA $XXX Loan Review Complete 09/02/2019 Compliance Federal Compliance Compliance open 2 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/XX/2018
96401913 20360524 4929 XXX Refinance Cash-out - Home Improvement Primary 2/XX/2015 CA $XXX Loan Review Complete 09/02/2019 Compliance Federal Compliance Compliance open 2 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/XX/2018
96401913 20360525 595 XXX Refinance Cash-out - Home Improvement Primary 2/XX/2015 CA $XXX Loan Review Complete 09/02/2019 Loan Package Documentation Closing / Title Credit open 3 Title Error: Title vesting does not concur with deed The borrower's name on the security instrument is XXX. On the final title policy, it is XXX.
96401913 20360526 1283 XXX Refinance Cash-out - Home Improvement Primary 2/XX/2015 CA $XXX Loan Review Complete 09/02/2019 Compliance Federal Compliance Compliance open 2 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. 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.
96401914 20360532 25158 XXX Refinance Rate/Term Primary 2/XX/2015 MD $XXX Reviewed with Exceptions 09/24/2019 Compliance Federal Compliance Compliance open 2 (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. Rate Lock not provided.
96401914 20360533 1274 XXX Refinance Rate/Term Primary 2/XX/2015 MD $XXX Reviewed with Exceptions 09/24/2019 Compliance Federal Compliance Compliance open 2 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. Required available through date is 12/XX/2014
96401914 20360534 1287 XXX Refinance Rate/Term Primary 2/XX/2015 MD $XXX Reviewed with Exceptions 09/24/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note. Correct Loan Amount is $XXX. GFE shows $XXX.
96401914 20360535 1294 XXX Refinance Rate/Term Primary 2/XX/2015 MD $XXX Reviewed with Exceptions 09/24/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan. Correct payment is $424.45. GFE shows $425.40.
96401914 20360536 1883 XXX Refinance Rate/Term Primary 2/XX/2015 MD $XXX Reviewed with Exceptions 09/24/2019 Compliance State Compliance Compliance open 2 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. Disclosure not provided to Borrower.
96401914 20360537 25454 XXX Refinance Rate/Term Primary 2/XX/2015 MD $XXX Reviewed with Exceptions 09/24/2019 Appraisal Reconciliation Value Discrepancy Property open 3 Loan is to go in a securitization and reflects only one valuation product when two are required. The loan was approved with 1 appraisal, however, two will be required for securitization.
96401914 20360538 3721 XXX Refinance Rate/Term Primary 2/XX/2015 MD $XXX Reviewed with Exceptions 09/24/2019 Compliance Federal Compliance Compliance open 2 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)
96401914 20360539 25580 XXX Refinance Rate/Term Primary 2/XX/2015 MD $XXX Reviewed with Exceptions 09/24/2019 Compliance Federal Compliance Compliance open 2 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)
96401412 20360502 2798 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401412 20360503 2808 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Approval not provided
96401412 20360504 2800 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Credit Credit Documentation Credit open 3 Missing Document: Credit Report not provided
96401412 20360505 2834 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Flood Certificate not provided
96401412 20360506 2842 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Loan Package Documentation Loan File Credit open 3 Missing Document: Hazard Insurance Policy not provided
96401412 20360507 25158 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 (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.
96401412 20360508 5304 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 (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.
96401412 20360509 24490 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 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.
96401412 20360510 1307 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 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.
96401412 20360511 1325 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96401412 20360512 7087 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.
96401412 20360513 1327 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96401412 20360514 1330 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 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.
96401412 20360515 1332 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96401412 20360516 3353 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 12/XX/2015
96401412 20360517 2645 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2017
96401412 20360518 3366 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2017
96401412 20360519 4922 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Loan Package Documentation Application / Processing Credit open 3 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
96401412 20360520 23923 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Insurance Insurance Analysis Credit open 2 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. No hazard policy located in the file
96401412 20360521 25454 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Appraisal Reconciliation Value Discrepancy Property open 3 Loan is to go in a securitization and reflects only one valuation product when two are required.
96401412 20360522 2922 XXX Refinance Rate/Term Primary 12/XX/2014 IN $XXX Loan Review Complete 09/24/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96401413 20360558 25454 XXX Purchase Primary 11/XX/2014 NY $XXX Loan Review Complete 09/02/2019 Appraisal Reconciliation Value Discrepancy Property open 3 Loan is to go in a securitization and reflects only one valuation product when two are required. The file is missing a copy of the secondary valuation required for securitization purposes.
96401413 20360559 1271 XXX Purchase Primary 11/XX/2014 NY $XXX Loan Review Complete 09/02/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96401413 20360560 5428 XXX Purchase Primary 11/XX/2014 NY $XXX Loan Review Complete 09/02/2019 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. No evidence of cure provided.
96402139 20360631 4922 XXX Purchase Primary 5/XX/2014 FL $XXX Loan Review Complete 09/24/2019 Loan Package Documentation Application / Processing Credit open 3 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
96402139 20360632 1274 XXX Purchase Primary 5/XX/2014 FL $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 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.
96402139 20360633 1271 XXX Purchase Primary 5/XX/2014 FL $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Disclosure not located in the file.
96402139 20360634 2641 XXX Purchase Primary 5/XX/2014 FL $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 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. 5/XX/2015
96402139 20360635 1330 XXX Purchase Primary 5/XX/2014 FL $XXX Loan Review Complete 09/24/2019 Compliance Federal Compliance Compliance open 2 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. Disclosure provided only reflects 5 agencies; 10 is required.
96402139 20360636 25454 XXX Purchase Primary 5/XX/2014 FL $XXX Loan Review Complete 09/24/2019 Appraisal Reconciliation Value Discrepancy Property open 3 Loan is to go in a securitization and reflects only one valuation product when two are required. Two appraisals will be needed for Securitization and were not provided.
96402139 20360637 23923 XXX Purchase Primary 5/XX/2014 FL $XXX Loan Review Complete 09/24/2019 Insurance Insurance Analysis Credit open 2 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
96402139 20360638 2922 XXX Purchase Primary 5/XX/2014 FL $XXX Loan Review Complete 09/24/2019 Property - Appraisal Appraisal Documentation Credit open 3 Missing Document: Appraisal not provided
96402141 20360656 855 XXX Purchase Primary 4/XX/2014 CA $XXX Loan Review Complete 09/23/2019 Loan Package Documentation Application / Processing Credit open 3 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
96402141 20360657 25736 XXX Purchase Primary 4/XX/2014 CA $XXX Loan Review Complete 09/23/2019 Property - Appraisal Appraisal Documentation Property open 3 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. Two appraisals will be needed for Securitization and were not provided.
96402141 20360664 1274 XXX Purchase Primary 4/XX/2014 CA $XXX Loan Review Complete 09/23/2019 Compliance Federal Compliance Compliance open 2 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.
96402141 20360665 2587 XXX Purchase Primary 4/XX/2014 CA $XXX Loan Review Complete 09/23/2019 Compliance Federal Compliance Compliance open 2 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. Variance is due to lender using two different figures for Tax Amount in qualifying vs. escrow account. Settlement Agent estimate in file reflects rate of $XXX/mo, and this was used on final 1003 and AUS. However, amount on final HUD and TIL is $XXX, but file does not contain verification of this amount, therefore lender's approved value is included for testing. 4/XX/2015
96402141 20360666 2591 XXX Purchase Primary 4/XX/2014 CA $XXX Loan Review Complete 09/23/2019 Compliance Federal Compliance Compliance open 2 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. Variance is due to lender using two different figures for Tax Amount in qualifying vs. escrow account. Settlement Agent estimate in file reflects rate of $XXX/mo, and this was used on final 1003 and AUS. However, amount on final HUD and TIL is $XXX, but file does not contain verification of this amount, therefore lender's approved value is included for testing. 4/XX/2015
96402142 20360667 25736 XXX Refinance Limited Cash-out GSE Primary 2/XX/2014 CA $XXX Loan Review Complete 08/06/2019 Property - Appraisal Appraisal Documentation Property open 3 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. Two appraisals will be needed for Securitization and were not provided.
96401920 20360670 27906 XXX Refinance Rate/Term Primary 5/XX/2017 MI $XXX Loan Review Complete 07/30/2020 Property - Appraisal Appraisal Documentation Property cleared 08/12/2020 1 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 Missing updated valuation. Reviewer 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.
96401920 20360671 2924 XXX Refinance Rate/Term Primary 5/XX/2017 MI $XXX Loan Review Complete 07/30/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided Unable to locate Fraud report
96401246 20360725 2924 XXX Refinance Rate/Term Primary 1/XX/2016 FL $XXX Loan Review Complete 07/30/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided
96401246 20360726 6583 XXX Refinance Rate/Term Primary 1/XX/2016 FL $XXX Loan Review Complete 07/30/2020 Compliance Federal Compliance Compliance cured 07/21/2020 1 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) 1/XX/2017 Reviewer Comment (2020-07-21): Sufficient Cure Provided At Closing
96401246 20360727 6583 XXX Refinance Rate/Term Primary 1/XX/2016 FL $XXX Loan Review Complete 07/30/2020 Compliance Federal Compliance Compliance cured 07/21/2020 1 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) 1/XX/2017 Reviewer Comment (2020-07-21): Sufficient Cure Provided At Closing
96401246 20360728 855 XXX Refinance Rate/Term Primary 1/XX/2016 FL $XXX Loan Review Complete 07/30/2020 Loan Package Documentation Application / Processing Credit cleared 08/12/2020 1 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Reviewer Comment (2020-08-12): Received copy of the post disaster inspection showing no damage.
96401246 20360729 27906 XXX Refinance Rate/Term Primary 1/XX/2016 FL $XXX Loan Review Complete 07/30/2020 Property - Appraisal Appraisal Documentation Property cleared 08/13/2020 1 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 Comment (2020-08-13): BPO provided, exception cleared.
96401229 20360819 2924 XXX Purchase Second Home 7/XX/2018 NJ $XXX Loan Review Complete 07/30/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided Missing fraud report.
96401229 20360821 27835 XXX Purchase Second Home 7/XX/2018 NJ $XXX Loan Review Complete 07/30/2020 Property - Appraisal Appraisal Documentation Property cleared 08/20/2020 1 Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 Note Date: 07/XX/2018; Lien Position: 1 Missing updated valuaton. Reviewer Comment (2020-08-20): An updated valuation product, a BPO, was provided as a secondary valuation.
96401229 20360823 4276 XXX Purchase Second Home 7/XX/2018 NJ $XXX Loan Review Complete 07/30/2020 Compliance Federal Compliance Compliance open 2 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) Missing evidence of earlier borrower receipt. 7/XX/2019
96401229 20360824 6331 XXX Purchase Second Home 7/XX/2018 NJ $XXX Loan Review Complete 07/30/2020 Compliance Federal Compliance Compliance cured 07/22/2020 2 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) Lender credit was last disclosed as -$484.00 on LE but reduced to -$458.98 on final CD. No valid COC . 7/XX/2019 Reviewer Comment (2020-07-22): Lender provided credit at closing of $43.97
96401229 20360825 6583 XXX Purchase Second Home 7/XX/2018 NJ $XXX Loan Review Complete 07/30/2020 Compliance Federal Compliance Compliance cured 07/22/2020 1 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) Credit provided at closing. 7/XX/2019 Reviewer Comment (2020-07-22): Sufficient Cure Provided At Closing
96401229 20360826 25838 XXX Purchase Second Home 7/XX/2018 NJ $XXX Loan Review Complete 07/30/2020 Income / Employment Income Documentation Credit open 3 REO Documents are missing. Address: XXX, NJ Statement
96401229 20360827 27838 XXX Purchase Second Home 7/XX/2018 NJ $XXX Loan Review Complete 08/20/2020 Property - Appraisal Appraisal Documentation Property open 2 Loan is to be securitized. Supporting secondary BPO was provided.; Sec ID: 5 Note Date: 07/XX/2018; Lien Position: 1
96401380 20360744 2924 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided
96401380 20360746 6572 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance open 2 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) The final appraisal dated 10/XX/2015 was provided on 10/XX/2015, one day prior to close.
96401380 20360748 25519 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 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) The loan file is missing third party verification of this business. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360750 1249 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. The documentation verifying the borrowers' business income was insufficient. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360751 3867 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 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. The documentation verifying the borrowers' business income was insufficient. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360753 1303 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance open 2 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 The Lender provided $1,250.00 cure at close.
96401380 20360755 21706 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.
96401380 20360758 7458 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership) Missing YTD P&L and balance sheet. Lender approved exception. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360760 7458 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership) Missing YTD P&L and balance sheet. Lender approved exception. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360763 7458 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership) Missing YTD P&L and balance sheet. Lender approved exception. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360764 7458 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership) Missing YTD P&L and balance sheet. Lender approved exception. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360768 7458 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership) Missing YTD P&L and balance sheet. Lender approved exception. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360770 7458 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership) Missing YTD P&L and balance sheet. Lender approved exception. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360773 7458 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). XXX,XXX/Partnership) Missing YTD P&L and balance sheet. Lender approved exception. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360778 7455 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX,XXX/S-Corp) Missing YTD P&L and balance sheet. Lender approved exception. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360782 7455 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX,XXX/S-Corp) Missing YTD P&L and balance sheet. Lender approved exception. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360784 1034 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 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) The income declined from -$2,051.00 in 2013 to -$11,249.00 in 2014. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360786 1034 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 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) The income declined from $12,677.00 in 2013 to $9,928.00 in 2014. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360788 27906 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Property - Appraisal Appraisal Documentation Property cleared 08/17/2020 1 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 Missing updated valuation. Reviewer 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.
96401380 20360789 1034 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/14/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 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) The monthly average income declined from $939.00 in 2013 to $575.92 in 2014. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360790 22521 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 08/17/2020 Property - Appraisal Appraisal Data Integrity Property open 3 Square feet on the Appraisal does not match the square feet on the BPO. Valuation Type: BPO / Valuation Report Date: 07/XX/2020 Large discrepancy in square footage. Appraisal reflects XXX square feet; the BPO states XXX.
96401380 20360791 3677 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 10/16/2020 Compliance Federal Compliance Compliance cleared 10/16/2020 1 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. Loan designation restated as non-qm. Reviewer Comment (2020-10-16): Loan designation restated as non-qm.
96401380 20360792 22655 XXX Refinance Cash-out - Other Primary 10/XX/2015 NY $XXX Loan Review Complete 10/16/2020 Compliance Federal Compliance Compliance open 2 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. Loan designation restated as non-qm.
96401228 20360793 2924 XXX Purchase Primary 8/XX/2018 TX $XXX Loan Review Complete 08/13/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided
96401228 20360794 27835 XXX Purchase Primary 8/XX/2018 TX $XXX Loan Review Complete 08/13/2020 Property - Appraisal Appraisal Documentation Property cleared 08/18/2020 1 Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 Note Date: 08/XX/2018; Lien Position: 1 Missing secondary valuation. Reviewer Comment (2020-08-18): BPO provided as an updated valuation.
96401228 20360795 7458 XXX Purchase Primary 8/XX/2018 TX $XXX Loan Review Complete 08/13/2020 Compliance Federal Compliance Compliance open 3 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX,XXX/Partnership) Missing 2018 YTD P&L and balance sheet.
96401228 20360796 25519 XXX Purchase Primary 8/XX/2018 TX $XXX Loan Review Complete 08/13/2020 Compliance Federal Compliance Compliance cleared 09/15/2020 1 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) Missing 3rd party verification of self employment. Reviewer Comment (2020-09-15): Received verification of the borrower's business.
96401228 20360797 23083 XXX Purchase Primary 8/XX/2018 TX $XXX Loan Review Complete 08/13/2020 Compliance Federal Compliance Compliance cleared 09/15/2020 1 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) The documentation entered for this income source lacks sufficient date/duration information to verify the 2 year history as required by Appendix Q. Reviewer Comment (2020-09-15): Received verification of the borrower's business.
96401228 20360798 1249 XXX Purchase Primary 8/XX/2018 TX $XXX Loan Review Complete 08/13/2020 Compliance Federal Compliance Compliance cleared 09/15/2020 1 NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Loan is at ATR risk due to employment verification documentation. Reviewer Comment (2020-09-15): Received verification of the borrower's business.
96401228 20360799 3867 XXX Purchase Primary 8/XX/2018 TX $XXX Loan Review Complete 08/13/2020 Compliance Federal Compliance Compliance open 3 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. Missing P&L and balance sheet. Missing verification of self employment.
96401228 20360801 6542 XXX Purchase Primary 8/XX/2018 TX $XXX Loan Review Complete 08/13/2020 Compliance Federal Compliance Compliance open 2 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) Provide evidence of cure for Extension Fee. 8/XX/2019
96401228 20360802 4276 XXX Purchase Primary 8/XX/2018 TX $XXX Loan Review Complete 08/13/2020 Compliance Federal Compliance Compliance open 2 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) Evidence of earlier borrower receipt was not proivded. 8/XX/2019
96401228 20360803 27838 XXX Purchase Primary 8/XX/2018 TX $XXX Loan Review Complete 08/18/2020 Property - Appraisal Appraisal Documentation Property open 2 Loan is to be securitized. Supporting secondary BPO was provided.; Sec ID: 5 Note Date: 08/XX/2018; Lien Position: 1 Buyer Comment (2020-08-27): BPO provided to secondary valuation exception

Reviewer Comment (2020-08-27): AVM or CDA was not provided.
96401919 20360856 27906 XXX Purchase Primary 6/XX/2017 IN $XXX Loan Review Complete 07/31/2020 Property - Appraisal Appraisal Documentation Property cleared 08/19/2020 1 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 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.
96401919 20360858 2924 XXX Purchase Primary 6/XX/2017 IN $XXX Loan Review Complete 07/31/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided
96401919 20360861 4276 XXX Purchase Primary 6/XX/2017 IN $XXX Loan Review Complete 07/31/2020 Compliance Federal Compliance Compliance open 2 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) Evidence of earlier receipt missing from file, no evidence incomplete CD doc 50 was provided to borrower. 6/XX/2018
96401919 20360862 20305 XXX Purchase Primary 6/XX/2017 IN $XXX Loan Review Complete 07/31/2020 Compliance Federal Compliance Compliance open 2 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) No documentation in file that 2016 business returns were extended. Lender to provide proof of extension or 2016 returns for business.
96401919 20360863 20305 XXX Purchase Primary 6/XX/2017 IN $XXX Loan Review Complete 07/31/2020 Compliance Federal Compliance Compliance open 2 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) No documentation in file that 2016 business returns were extended. Lender to provide proof of extension or 2016 returns for business.
96401921 20360935 2924 XXX Refinance Rate/Term Primary 8/XX/2016 CO $XXX Loan Review Complete 08/10/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided
96401921 20360936 27906 XXX Refinance Rate/Term Primary 8/XX/2016 CO $XXX Loan Review Complete 08/10/2020 Property - Appraisal Appraisal Documentation Property open 3 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 Missing updated valuation.
96401921 20360937 6572 XXX Refinance Rate/Term Primary 8/XX/2016 CO $XXX Loan Review Complete 08/10/2020 Compliance Federal Compliance Compliance open 2 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) Missing evidence of appraisal delivery to the borrower.
96401921 20360938 4276 XXX Refinance Rate/Term Primary 8/XX/2016 CO $XXX Loan Review Complete 08/10/2020 Compliance Federal Compliance Compliance open 2 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) Evidence of earlier borrower receipt was not provided. 8/XX/2017
96401526 20360955 2924 XXX Purchase Primary 4/XX/2018 MD $XXX Loan Review Complete 08/10/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided
96401526 20360956 27906 XXX Purchase Primary 4/XX/2018 MD $XXX Loan Review Complete 08/10/2020 Property - Appraisal Appraisal Documentation Property open 3 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 Missing updated valuation.
96401526 20360957 4245 XXX Purchase Primary 4/XX/2018 MD $XXX Loan Review Complete 08/10/2020 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit open 3 Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 85.00000%. Non-QM GLs (beginning on page 102/171) identify a max LTV of 85% for the South Region.
96401526 20360958 4247 XXX Purchase Primary 4/XX/2018 MD $XXX Loan Review Complete 08/10/2020 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit open 3 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% LTV/CLTV of 90% exceeds guideline max of 85%.
96401526 20360959 4246 XXX Purchase Primary 4/XX/2018 MD $XXX Loan Review Complete 08/10/2020 Credit AUS Discrepancy / Guidelines Discrepancy Credit open 3 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%. LTV/CLTV of 90% exceeds guideline max of 85%.
96401382 20361002 2924 XXX Refinance Rate/Term Primary 3/XX/2014 TX $XXX Loan Review Complete 08/10/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided Required fraud report was not provided
96401382 20361003 27906 XXX Refinance Rate/Term Primary 3/XX/2014 TX $XXX Loan Review Complete 08/10/2020 Property - Appraisal Appraisal Documentation Property open 3 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 The file is missing a copy of the updated valuation required for securitization purposes.
96401382 20361004 1274 XXX Refinance Rate/Term Primary 3/XX/2014 TX $XXX Loan Review Complete 08/10/2020 Compliance Federal Compliance Compliance open 2 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.
96401382 20361005 1277 XXX Refinance Rate/Term Primary 3/XX/2014 TX $XXX Loan Review Complete 08/10/2020 Compliance Federal Compliance Compliance open 2 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.
96401382 20361006 1287 XXX Refinance Rate/Term Primary 3/XX/2014 TX $XXX Loan Review Complete 08/10/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note. Final GFE does not reflect correct loan amount
96401382 20361007 1294 XXX Refinance Rate/Term Primary 3/XX/2014 TX $XXX Loan Review Complete 08/10/2020 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan. Final GFE does not reflect the correct loan amount
96401381 20361034 27906 XXX Purchase Primary 3/XX/2015 IL $XXX Loan Review Complete 08/11/2020 Property - Appraisal Appraisal Documentation Property open 3 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 The file is missing a copy of the secondary valuation required for securitization purposes.
96401381 20361035 2924 XXX Purchase Primary 3/XX/2015 IL $XXX Loan Review Complete 08/11/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided The file is missing a copy of the required fraud report including all interested parties to the transaction.
96401381 20361036 5404 XXX Purchase Primary 3/XX/2015 IL $XXX Loan Review Complete 08/11/2020 Income / Employment Income Documentation Credit open 3 Income Docs Missing: Borrower: XXX W-2 (2013) 2013 W-2 not provided. Per guidelines, W-2s for most recent 2 years are required.
96401381 20361037 23084 XXX Purchase Primary 3/XX/2015 IL $XXX Loan Review Complete 08/11/2020 Compliance Federal Compliance Compliance open 2 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) The borrower's start date with the prior employer is not verified on the VVOE provided.
96401381 20361038 1271 XXX Purchase Primary 3/XX/2015 IL $XXX Loan Review Complete 08/11/2020 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Neither a copy of the booklet nor acknowledgment of receipt is found in the loan images.
96401381 20361039 2641 XXX Purchase Primary 3/XX/2015 IL $XXX Loan Review Complete 08/11/2020 Compliance Federal Compliance Compliance open 2 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. 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. 3/XX/2016
96402140 20361057 4922 XXX Purchase Primary 3/XX/2014 NY $XXX Loan Review Complete 08/25/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402140 20361060 1274 XXX Purchase Primary 3/XX/2014 NY $XXX Loan Review Complete 08/25/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402140 20361061 1271 XXX Purchase Primary 3/XX/2014 NY $XXX Loan Review Complete 08/25/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402140 20361062 2864 XXX Purchase Primary 3/XX/2014 NY $XXX Loan Review Complete 08/25/2020 Insurance Insurance Documentation Credit cleared 12/29/2020 1 Missing Document: Mortgage Insurance Certificate (MIC) not provided 95% LTV, MI required on AUS. Appears to be lender paid, No MI payment from borrower or lump sum paid by borrower Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401525 20361104 2924 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2018 LA $XXX Loan Review Complete 08/05/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided
96401525 20361105 27906 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2018 LA $XXX Loan Review Complete 08/05/2020 Property - Appraisal Appraisal Documentation Property open 3 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
96401525 20361106 4276 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2018 LA $XXX Loan Review Complete 08/05/2020 Compliance Federal Compliance Compliance open 2 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) Evidence of earlier receipt missing from file. 4/XX/2019
96401525 20361107 3988 XXX Refinance Cash-out - Home Improvement Primary 4/XX/2018 LA $XXX Loan Review Complete 08/05/2020 Compliance Federal Compliance Compliance open 2 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) Evidence of earlier receipt missing from file. 4/XX/2019
96401834 20361080 22923 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/03/2020 Guideline Guideline Issue Credit cleared 12/29/2020 1 Aged document: Primary Valuation is older than guidelines permit Valuation Type: Appraisal / Valuation Report Date: 07/XX/2013 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401834 20361081 6278 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/03/2020 Credit Credit Documentation Credit cleared 12/29/2020 1 Aged document: Credit Report is more than 90 days prior to the note date. Credit Report: Original // Borrower: XXX Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401834 20361082 3721 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401834 20361084 1274 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401834 20361085 1275 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401834 20361086 1287 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401834 20361087 1294 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401834 20361088 1326 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401834 20361089 1883 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/03/2020 Compliance State Compliance Compliance cleared 12/29/2020 1 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401834 20361090 20744 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/03/2020 Compliance State Compliance Compliance cleared 12/29/2020 1 Maryland Ability to Repay Not Verified Maryland SB270: Borrower’s ability to repay not verified with reliable documentation. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401834 20361091 1303 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Sufficient Cure Provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401834 20361093 1028 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 Retirement Continuance Qualified Mortgage (Dodd-Frank 2014): Retirement or Social Security income not expected to continue for three (3) years. (XXX Pension/Pension) Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401834 20361094 3867 XXX Refinance Rate/Term Primary 5/XX/2014 MD $XXX Loan Review Complete 09/10/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401767 20361143 6542 XXX Purchase Primary 8/XX/2018 NJ $XXX Loan Review Complete 03/31/2020 Compliance Federal Compliance Compliance open 2 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) No COC or cure was provided to the borrower for tolerance overages 8/XX/2019
96401833 20361237 770 XXX Refinance Rate/Term Primary 6/XX/2014 NC $XXX Loan Review Complete 09/03/2020 Compliance Miscellaneous Compliance Compliance cleared 12/29/2020 1 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401833 20361238 4922 XXX Refinance Rate/Term Primary 6/XX/2014 NC $XXX Loan Review Complete 09/03/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401833 20361241 26039 XXX Refinance Rate/Term Primary 6/XX/2014 NC $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401833 20361242 25158 XXX Refinance Rate/Term Primary 6/XX/2014 NC $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 (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 Comment (2020-12-29): OK to Clear per CSM.
96401833 20361244 25824 XXX Refinance Rate/Term Primary 6/XX/2014 NC $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 6/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401833 20361245 1274 XXX Refinance Rate/Term Primary 6/XX/2014 NC $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401833 20361246 1325 XXX Refinance Rate/Term Primary 6/XX/2014 NC $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401833 20361247 22064 XXX Refinance Rate/Term Primary 6/XX/2014 NC $XXX Loan Review Complete 09/03/2020 Compliance State Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401833 20361248 2641 XXX Refinance Rate/Term Primary 6/XX/2014 NC $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 6/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401710 20361286 23385 XXX Purchase Primary 12/XX/2014 GA $XXX Loan Review Complete 09/03/2020 System General Credit cleared 12/29/2020 1 Valuation address does not match Note address. Valuation Type: Appraisal / Valuation Report Date: 11/XX/2014 Note states Carrie Cove and 1004 states Carries Cove Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401710 20361287 5445 XXX Purchase Primary 12/XX/2014 GA $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401710 20361288 5431 XXX Purchase Primary 12/XX/2014 GA $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. GRMA/GA Res. Fee of $10 calculated in wrong section of final HUD Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401710 20361289 1271 XXX Purchase Primary 12/XX/2014 GA $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401710 20361290 18363 XXX Purchase Primary 12/XX/2014 GA $XXX Loan Review Complete 09/03/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401707 20361301 1274 XXX Refinance Rate/Term Primary 2/XX/2015 VA $XXX Loan Review Complete 09/16/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. GFE is dated 1/XX/2015, and reflects settlement charges available through 2/XX/2015. This is less than 10 business days. Actual business days would be 2/XX/2015. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401707 20361303 2641 XXX Refinance Rate/Term Primary 2/XX/2015 VA $XXX Loan Review Complete 09/16/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 $195.21. Finance charges were under-disclosed by $195.21. 2/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401709 20361296 27346 XXX Refinance Rate/Term Primary 1/XX/2015 AR $XXX Loan Review Complete 09/16/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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). Please provide evidence of the Originator Loan Designation as documentation was not provided in the loan file. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401709 20361297 1274 XXX Refinance Rate/Term Primary 1/XX/2015 AR $XXX Loan Review Complete 09/16/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 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 Comment (2020-12-29): OK to Clear per CSM.
96401709 20361298 2641 XXX Refinance Rate/Term Primary 1/XX/2015 AR $XXX Loan Review Complete 09/16/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. Final TIl Finance charge does not consider the discount point fee of $425. 1/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401709 20361300 1056 XXX Refinance Rate/Term Primary 1/XX/2015 AR $XXX Loan Review Complete 09/16/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. The file is missing a copy of this disclosure. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401708 20361291 2842 XXX Refinance Cash-out - Other Primary 12/XX/2014 NJ $XXX Loan Review Complete 09/16/2020 Loan Package Documentation Loan File Credit cleared 12/29/2020 1 Missing Document: Hazard Insurance Policy not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401708 20361293 1274 XXX Refinance Cash-out - Other Primary 12/XX/2014 NJ $XXX Loan Review Complete 09/16/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 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 Comment (2020-12-29): OK to Clear per CSM.
96401706 20361306 1271 XXX Purchase Primary 3/XX/2015 NH $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401706 20361307 2641 XXX Purchase Primary 3/XX/2015 NH $XXX Loan Review Complete 09/17/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 3/XX/2016 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401705 20361309 2909 XXX Refinance Rate/Term Investment 4/XX/2015 DE $XXX Loan Review Complete 09/17/2020 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit cleared 12/29/2020 1 Missing Document: Note - Subordinate Lien not provided Mortgage was provided, missing note Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401705 20361310 4922 XXX Refinance Rate/Term Investment 4/XX/2015 DE $XXX Loan Review Complete 09/17/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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		 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 Comment (2020-12-29): OK to Clear per CSM.
96401705 20361313 25838 XXX Refinance Rate/Term Investment 4/XX/2015 DE $XXX Loan Review Complete 09/17/2020 Income / Employment Income Documentation Credit cleared 12/29/2020 1 REO Documents are missing. Address: XXX, DE XXX, Address: XXX, DE Lease Agreement
Insurance Verification, Tax Verification		 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401705 20361314 27770 XXX Refinance Rate/Term Investment 4/XX/2015 DE $XXX Loan Review Complete 09/17/2020 Guideline Guideline Issue Credit cleared 12/29/2020 1 Employment was not verified within 10 days of the note date. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/2001 Work # VOE is dated 04/XX/2015 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402126 20361361 2808 XXX Refinance Rate/Term Primary 8/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 Missing Document: Approval not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402126 20361362 2811 XXX Refinance Rate/Term Primary 8/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 Missing Document: AUS not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402126 20361363 855 XXX Refinance Rate/Term Primary 8/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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		 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 Comment (2020-12-29): OK to Clear per CSM.
96402126 20361364 23688 XXX Refinance Rate/Term Primary 8/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Insufficient Coverage: Hazard insurance coverage amount is insufficient. Missing Replacement Cost Estimator to determine Lender's value. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402126 20361366 25686 XXX Refinance Rate/Term Primary 8/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 8/XX/2016 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402126 20361367 6302 XXX Refinance Rate/Term Primary 8/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2016 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402126 20361368 1274 XXX Refinance Rate/Term Primary 8/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402126 20361369 1285 XXX Refinance Rate/Term Primary 8/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402126 20361370 1287 XXX Refinance Rate/Term Primary 8/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402126 20361371 1294 XXX Refinance Rate/Term Primary 8/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402126 20361372 27346 XXX Refinance Rate/Term Primary 8/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402125 20361400 2842 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Loan File Credit cleared 12/29/2020 1 Missing Document: Hazard Insurance Policy not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402125 20361401 4922 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402125 20361404 23698 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Credit Credit Documentation Credit cleared 12/29/2020 1 No evidence of fraud report in file Credit Report: Original // Borrower: XXX Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402125 20361405 26039 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402125 20361406 25158 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 (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 Comment (2020-12-29): OK to Clear per CSM.
96402125 20361407 1274 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402125 20361408 1326 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402125 20361409 1327 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402125 20361410 2587 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 9/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402125 20361411 2591 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 9/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402125 20361412 1275 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 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 Comment (2020-12-29): OK to Clear per CSM.
96402125 20361413 22922 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RTC Executed TILA - Right To Cancel: Loan file contains evidence consumer rescinded loan. B1 RTC's in file reflect the borrower signed on the "I wish to Cancel Loan" line Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402125 20361414 4929 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. H-8 form utilized vs H-9. Title report reflects same lender refinance. 9/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402125 20361415 2647 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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). B3's RTC reflects date of 9/XX/2015 & 9/XX/2015 vs. actual dates of 9/XX/2015 and 9/XX/2015 9/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402125 20361416 3831 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Credit Miscellaneous Credit cleared 12/29/2020 1 Credit Exception: 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 Comment (2020-12-29): OK to Clear per CSM.
96402125 20361417 3867 XXX Refinance Rate/Term Primary 9/XX/2015 TX $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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). Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402124 20361391 27346 XXX Refinance Rate/Term Primary 11/XX/2015 NJ $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402124 20361392 1274 XXX Refinance Rate/Term Primary 11/XX/2015 NJ $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402124 20361393 1287 XXX Refinance Rate/Term Primary 11/XX/2015 NJ $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402124 20361394 1294 XXX Refinance Rate/Term Primary 11/XX/2015 NJ $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402124 20361395 3353 XXX Refinance Rate/Term Primary 11/XX/2015 NJ $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 11/XX/2016 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402124 20361396 2641 XXX Refinance Rate/Term Primary 11/XX/2015 NJ $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. This appears to be caused by the property taxes paid at closing 11/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402124 20361398 4922 XXX Refinance Rate/Term Primary 11/XX/2015 NJ $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402123 20361491 855 XXX Refinance Cash-out - Other Primary 1/XX/2016 NC $XXX Loan Review Complete 09/16/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 12/XX/2015 
Disaster End Date: 09/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2018		 The subject property is located in a FEMA Disaster area post-close. There is no end declared date for the disaster as of yet. A post-disaster inspection verifying there was no damage to the subject property is required once a declared end date is identified. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402123 20361495 22064 XXX Refinance Cash-out - Other Primary 1/XX/2016 NC $XXX Loan Review Complete 09/16/2020 Compliance State Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402123 20361498 6542 XXX Refinance Cash-out - Other Primary 1/XX/2016 NC $XXX Loan Review Complete 09/16/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 $82.50 exceeds tolerance of $70.00. Insufficient or no cure was provided to the borrower. (7200) No COC or cure was provided. 1/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402123 20361500 6542 XXX Refinance Cash-out - Other Primary 1/XX/2016 NC $XXX Loan Review Complete 09/16/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349) No COC or cure was provided. 1/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402123 20361502 4276 XXX Refinance Cash-out - Other Primary 1/XX/2016 NC $XXX Loan Review Complete 09/16/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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/01/XX/2016) Evidence of earlier borrower receipt was not found in file. 1/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402122 20361443 2842 XXX Refinance Cash-out - Other Primary 1/XX/2016 VA $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Loan File Credit cleared 12/29/2020 1 Missing Document: Hazard Insurance Policy not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402122 20361447 23084 XXX Refinance Cash-out - Other Primary 1/XX/2016 VA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Missing previous employment dates for XXX Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402122 20361449 4276 XXX Refinance Cash-out - Other Primary 1/XX/2016 VA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) initial Closing Disclosure dated 12/XX/2016 not given to borrower 3 days prior to closing 1/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402122 20361451 2802 XXX Refinance Cash-out - Other Primary 1/XX/2016 VA $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Compliance cleared 12/29/2020 1 Missing Document: Missing Lender's Initial 1003 Initial 1003 is not signed or dated. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402059 20361555 2864 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Insurance Insurance Documentation Credit cleared 12/29/2020 1 Missing Document: Mortgage Insurance Certificate (MIC) not provided Missing MIC. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402059 20361557 6278 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Credit Credit Documentation Credit cleared 12/29/2020 1 Aged document: Credit Report is more than 90 days prior to the note date. Credit Report: Original // Borrower: XXX Most recent credit report is dated 02/XX/2016. Note date is 06/XX/2016. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402059 20361558 25158 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 (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. Missing rate lock date. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402059 20361559 4276 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Evidence of earlier borrower receipt was not found in file. 6/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402059 20361560 17648 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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. 6/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402059 20361561 6583 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cured 09/08/2020 1 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for 203K Consultant Fee. Fee Amount of $415.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7501) Verified cure provided for $415.00 due to 203 Consultant Fee. 6/XX/2017 Reviewer Comment (2020-09-08): Sufficient Cure Provided At Closing
96402059 20361562 4220 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit cleared 10/05/2020 1 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% Missing AUS that matches the terms of the loan. Reviewer Comment (2020-10-05): After further review exception has been cleared
96402059 20361563 4219 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit cleared 10/05/2020 1 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%. Missing AUS that matches the terms of the loan. Reviewer Comment (2020-10-05): After further review exception has been cleared
96402059 20361564 4218 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Credit AUS Discrepancy / Guidelines Discrepancy Credit cleared 10/05/2020 1 AUS Findings: Loan to value discrepancy. Calculated loan to value percentage of 134.25590% exceeds AUS loan to value percentage of 95.00000%. Missing AUS that matches the terms of the loan. Reviewer Comment (2020-10-05): After further review exception has been cleared
96402059 20361565 6516 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Credit AUS Discrepancy / Guidelines Discrepancy Credit cleared 12/29/2020 1 AUS Findings: All conditions were not met Missing the AUS that matches the terms of the loan. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402059 20361566 4376 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of $XXX. 6/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402059 20361567 6307 XXX Purchase Primary 6/XX/2016 FL $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Disclosure reflects TOP of $XXX but calculated TOP of $XXX. Variance = $XXX. 6/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402058 20361469 2842 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Loan File Credit cleared 12/29/2020 1 Missing Document: Hazard Insurance Policy not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402058 20361470 5791 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402058 20361472 27346 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402058 20361474 25677 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402058 20361476 4614 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No Mortgage insurance 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402058 20361478 6331 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Cure for $-163.75 is less than the amount of lender credit previously disclosed in the amount of -193.00 8/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402058 20361480 6542 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Cure for $1374.50 exceed tolerance of $1080.00 insufficient, no cure was not provided. 8/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402058 20361483 22166 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Property - Appraisal Appraisal Data Integrity Property cleared 12/29/2020 1 Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: 07/XX/2016 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402058 20361485 23923 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361505 2834 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 Missing Document: Flood Certificate not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361507 2842 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Loan File Credit cleared 12/29/2020 1 Missing Document: Hazard Insurance Policy not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361509 2800 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Credit Credit Documentation Credit cleared 12/29/2020 1 Missing Document: Credit Report not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361511 2808 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 Missing Document: Approval not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361513 5304 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 (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 Comment (2020-12-29): OK to Clear per CSM.
96402057 20361514 7027 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402057 20361515 25821 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361516 25677 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402057 20361517 22064 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance State Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402057 20361518 26255 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 8/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361519 27276 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361520 24188 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 8/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361521 2642 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361522 2647 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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). 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361523 19966 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. file has Avm reflecting property ,loan closed at home 8/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361524 1331 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. Loan application in file no date ,home closing Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361525 6345 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) File is missing hazard insurance 8/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361526 6346 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Verified no escrow,loan closed at home 8/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361527 4566 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Verified no escrow,loan closed at home 8/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361528 4407 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Verified no escrow,loan closed at home 8/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361529 3907 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No evidence of Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. 8/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361530 4922 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402057 20361532 24859 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Document Error HOA Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402057 20361533 24490 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402057 20361534 2924 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 Missing Document: Fraud Report not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361535 2802 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Compliance cleared 12/29/2020 1 Missing Document: Missing Lender's Initial 1003 Initial 1003 is not signed or dated Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402057 20361536 27770 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Guideline Guideline Issue Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402057 20361537 28239 XXX Refinance Rate/Term Primary 8/XX/2016 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 (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) Missing Title Commitment 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402056 20361552 855 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 08/XX/2016 
Disaster End Date: 11/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 11/XX/2018		 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402056 20361554 23895 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2016 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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/10/XX/2016) The file contained a Loan Estimate issued 10/XX/2016; however, the initial CD was issued 10/XX/2016. 10/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402055 20361540 4276 XXX Refinance Cash-out - Other Primary 10/XX/2016 IA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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. 10/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402054 20361568 2647 XXX Refinance Rate/Term Primary 9/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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). The subject closed on a non-business day; expiration date reflected as 9/XX/2016; however actual expiration date is 9/XX/2016. 9/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402054 20361569 4922 XXX Refinance Rate/Term Primary 9/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96402054 20361572 4276 XXX Refinance Rate/Term Primary 9/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) The initial CD was issued less than 3 business days prior to closing. 9/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402054 20361573 2642 XXX Refinance Rate/Term Primary 9/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. Disbursement date 9/XX/2016 < transaction date plus 3 days 10/XX/2016. 9/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402054 20361574 27346 XXX Refinance Rate/Term Primary 9/XX/2016 AK $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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). Lender did not provide the loan designation within the file. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401305 20361577 23688 XXX Purchase Primary 1/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Insufficient Coverage: Hazard insurance coverage amount is insufficient. The "Extended Replacement Cost" coverage box was not checked; insufficient coverage provided. Please provide sufficient coverage or a replacement cost estimate. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401305 20361579 1052 XXX Purchase Primary 1/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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 Comment (2020-12-29): OK to Clear per CSM.
96401305 20361580 25579 XXX Purchase Primary 1/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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 Comment (2020-12-29): OK to Clear per CSM.
96401305 20361581 17649 XXX Purchase Primary 1/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) The Borrower's final CD failed to include fees reflected on the Seller's Closing Disclosure. 1/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401305 20361582 6543 XXX Purchase Primary 1/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review. 1/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401305 20361583 6542 XXX Purchase Primary 1/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review. 1/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401305 20361584 6542 XXX Purchase Primary 1/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review. 1/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401305 20361585 6542 XXX Purchase Primary 1/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review. 1/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401305 20361586 6542 XXX Purchase Primary 1/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review. 1/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401305 20361587 6542 XXX Purchase Primary 1/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review. 1/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402053 20361588 4276 XXX Refinance Cash-out - Other Primary 12/XX/2016 VA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Earlier receipt not provided 12/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402053 20361589 6542 XXX Refinance Cash-out - Other Primary 12/XX/2016 VA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No cure provided 12/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402053 20361590 6542 XXX Refinance Cash-out - Other Primary 12/XX/2016 VA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No cure provided 12/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401303 20361599 23923 XXX Refinance Rate/Term Primary 3/XX/2017 TN $XXX Loan Review Complete 09/28/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. 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 Comment (2020-12-29): OK to Clear per CSM.
96401303 20361602 17817 XXX Refinance Rate/Term Primary 3/XX/2017 TN $XXX Loan Review Complete 09/28/2020 Missing Document General Credit cleared 12/29/2020 1 Incomplete Document: 1003 Initial - Lender's is incomplete Not signed or dated by the Loan Originator nor Borrower. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401559 20361601 2802 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Compliance cleared 12/29/2020 1 Missing Document: Missing Lender's Initial 1003 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401559 20361603 2924 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 Missing Document: Fraud Report not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401559 20361605 4922 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401559 20361606 23944 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Income / Employment Income Documentation Credit cleared 12/29/2020 1 Income documentation requirements not met according to the AUS in file. Decision System: DU / DO File is missing all income (paystubs, w-2, VOE, lease agreements, 1040s or 1007) Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401559 20361607 23945 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Asset Asset Documentation Credit cleared 12/29/2020 1 Asset documentation requirements not met according to Decision System Input. All documentation requirements for DU / DO were not met. File is missing all asset documention required per DU Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401559 20361610 5404 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Income / Employment Income Documentation Credit cleared 12/29/2020 1 Income Docs Missing: Borrower: XXX 4506 or 4506-T (2012), 4506 or 4506-T (2013), Paystubs, VVOE - Employment Only, W-2 (2013) Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401559 20361611 1056 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401559 20361612 5445 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401559 20361613 7027 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401559 20361614 4236 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Asset Asset Calculation / Analysis Credit cleared 12/29/2020 1 AUS Findings: Available for Reserves discrepancy. Calculated Available for Reserves of is less than AUS Available for Reserves of $32,058.28. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401559 20361615 5367 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit cleared 12/29/2020 1 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%. 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 Comment (2020-12-29): OK to Clear per CSM.
96401559 20361616 4235 XXX Refinance Cash-out - Other Investment 10/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Credit AUS Discrepancy / Guidelines Discrepancy Credit cleared 12/29/2020 1 AUS Findings: Qualifying asset balance discrepancy. Calculated qualifying asset balance of is less than AUS qualifying asset balance of $36,708.00. Calculated qualifying asset balance of is less than AUS qualifying asset balance of $36,708.00. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401560 20361642 855 XXX Refinance Rate/Term Primary 7/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/XX/2014 
Disaster End Date: 11/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2017		 Subject property is located in a FEMA Disaster are for XXX that occurred 10/XX/2017 and verification subject was not impacted by the XXX is required. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401560 20361644 2641 XXX Refinance Rate/Term Primary 7/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 $398.35. Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of $XXX Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable 7/XX/2017 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401560 20361645 6577 XXX Refinance Rate/Term Primary 7/XX/2014 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. The file was missing the Final HUD. HUD used is marked Estimated. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401558 20361663 6583 XXX Purchase Primary 11/XX/2015 WA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cured 09/25/2020 1 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,376.00 exceeds tolerance of $4,366.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) Sufficient Cure provided on final CD. Post Close CD lowered the fee and removed the credit since not needed with the lowered fee. 11/XX/2016 Reviewer Comment (2020-09-25): Sufficient Cure Provided At Closing
96401557 20361669 2864 XXX Purchase Primary 5/XX/2017 NC $XXX Loan Review Complete 09/28/2020 Insurance Insurance Documentation Credit cleared 12/29/2020 1 Missing Document: Mortgage Insurance Certificate (MIC) not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401557 20361671 22064 XXX Purchase Primary 5/XX/2017 NC $XXX Loan Review Complete 09/28/2020 Compliance State Compliance Compliance cleared 12/29/2020 1 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%. North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401557 20361672 4276 XXX Purchase Primary 5/XX/2017 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No evidence of early receipt was located in the file 5/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401557 20361673 6331 XXX Purchase Primary 5/XX/2017 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Change of circumstance not proided 5/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401557 20361674 6542 XXX Purchase Primary 5/XX/2017 NC $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Change of circumstance not proided 5/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401557 20361675 27770 XXX Purchase Primary 5/XX/2017 NC $XXX Loan Review Complete 09/28/2020 Guideline Guideline Issue Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401557 20361676 27770 XXX Purchase Primary 5/XX/2017 NC $XXX Loan Review Complete 09/28/2020 Guideline Guideline Issue Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401674 20361691 855 XXX Refinance Cash-out - Other Investment 5/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 05/XX/2017 
Disaster End Date: 11/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 10/XX/2017		 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401674 20361694 4276 XXX Refinance Cash-out - Other Investment 5/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No evidence of early receipt was located in the file 5/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401674 20361695 6542 XXX Refinance Cash-out - Other Investment 5/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,270.40 exceeds tolerance of $2,478.00. Insufficient or no cure was provided to the borrower. (7200) The tolerance was exceeded no cure was provided. 5/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401674 20361696 6543 XXX Refinance Cash-out - Other Investment 5/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $130.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) The fee exceeded the tolerance no cure was provided. 5/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401674 20361697 6542 XXX Refinance Cash-out - Other Investment 5/XX/2017 CA $XXX Loan Review Complete 09/28/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) The fee exceeded the tolerance no cure was provided. 5/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401673 20361703 855 XXX Refinance Cash-out - Other Primary 7/XX/2017 FL $XXX Loan Review Complete 09/30/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/XX/2017 
Disaster End Date: 10/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2017		 A post closing property inspection dated after most recent disaster is missing. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401673 20361705 6307 XXX Refinance Cash-out - Other Primary 7/XX/2017 FL $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 07/XX/2017). (Final/07/XX/2017) A Post Closing CD dated 7/XX/2017 was issued, but the Total of Payments field on page 5 was not corrected. 7/XX/2020 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401672 20361688 855 XXX Refinance Rate/Term Primary 7/XX/2017 AR $XXX Loan Review Complete 09/30/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 04/XX/2017 
Disaster End Date: 06/XX/2019
Disaster Name: XXX
Disaster Declaration Date: 06/XX/2019		 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401671 20361709 2909 XXX Refinance Rate/Term Primary 7/XX/2017 FL $XXX Loan Review Complete 09/30/2020 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit cleared 12/29/2020 1 Missing Document: Note - Subordinate Lien not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401671 20361713 4922 XXX Refinance Rate/Term Primary 7/XX/2017 FL $XXX Loan Review Complete 09/30/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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		 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401671 20361715 27346 XXX Refinance Rate/Term Primary 7/XX/2017 FL $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401671 20361716 6307 XXX Refinance Rate/Term Primary 7/XX/2017 FL $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cured 09/28/2020 2 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) Cured with PCCD, lender correspondence in file as well. 7/XX/2020 Reviewer 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
96401294 20361730 855 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2017 MO $XXX Loan Review Complete 09/30/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 09/XX/2017 
Disaster End Date: 07/XX/2019
Disaster Name: XXX
Disaster Declaration Date: 07/XX/2019		 The property is located in MO. Provide a post-disaster inspection verifying there was no damage from enter disaster info here. The inspection must include exterior photos and the property must be re-inspected on or after 07/XX/2019 declared end date. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401294 20361731 4822 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2017 MO $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2017 did not disclose the Monthly Escrow Payment. (Final/10/XX/2017) The Final CD shows that the borrower will have an Escrow Account however page one (1) states zero (0) for escrows and no to escrows. 10/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401294 20361732 4566 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2017 MO $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2017 incorrectly disclosed whether the loan will have an escrow account. (Final/10/XX/2017) The Final CD shows that the borrower will have an Escrow Account and she has signed an Escrow Waiver. 10/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401294 20361733 4407 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2017 MO $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2017 incorrectly disclosed whether the loan will have an escrow account. (Final/10/XX/2017) Final Closing Disclosure provided on 10/XX/2017 incorrectly disclosed whether the loan will have an escrow account. 10/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401294 20361734 6543 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2017 MO $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,040.00 exceeds tolerance of $715.00 plus 10% or $786.50. Insufficient or no cure was provided to the borrower. (0) 10% tolerance was exceeded by $253.50 due to increase of recording fee and service charges for title. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $325.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. 10/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401670 20361741 2802 XXX Refinance Rate/Term Primary 10/XX/2017 MA $XXX Loan Review Complete 09/30/2020 Loan Package Documentation Application / Processing Compliance cleared 12/29/2020 1 Missing Document: Missing Lender's Initial 1003 1003 in file has app date in reverse at bottom of page, no signatures Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401670 20361742 23688 XXX Refinance Rate/Term Primary 10/XX/2017 MA $XXX Loan Review Complete 09/30/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Insufficient Coverage: Hazard insurance coverage amount is insufficient. Coverage amount on the insurance document is $XXX. There is no Replacement Cost Estimator in the file. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401670 20361743 23923 XXX Refinance Rate/Term Primary 10/XX/2017 MA $XXX Loan Review Complete 09/30/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. 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 Comment (2020-12-29): OK to Clear per CSM.
96401670 20361745 27346 XXX Refinance Rate/Term Primary 10/XX/2017 MA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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). Unable to determine Originator Loan Designation. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401293 20361746 855 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 09/30/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 09/XX/2017 
Disaster End Date: 10/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2017		 The property is located in XXX, Fl. Provide a post-disaster inspection verifying there was no damage from enter disaster info here. The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/2017 declared end date. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401293 20361748 6542 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 $860.63 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $860.63 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. 11/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401293 20361749 6542 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 FL $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $78.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73133) Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $78.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. 11/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401292 20361750 23688 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Insufficient Coverage: Hazard insurance coverage amount is insufficient. 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 Comment (2020-12-29): OK to Clear per CSM.
96401292 20361752 6572 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Evidence of the Borrower's receipt of the Appraisal is not provided. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401292 20361753 6583 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cured 09/28/2020 1 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) 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. 11/XX/2018 Reviewer Comment (2020-09-28): Sufficient Cure Provided At Closing
96401292 20361754 5367 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit cleared 12/29/2020 1 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%. 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 Comment (2020-12-29): OK to Clear per CSM.
96401292 20361755 3867 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. Loan is DU approve, Originator Loan Designation of Temporary SHQM does not match Due Diligence Loan Designation of Safe Harbor QM. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401291 20361765 2842 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2017 AR $XXX Loan Review Complete 09/30/2020 Loan Package Documentation Loan File Credit cleared 12/29/2020 1 Missing Document: Hazard Insurance Policy not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401291 20361766 17817 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2017 AR $XXX Loan Review Complete 09/30/2020 Missing Document General Credit cleared 12/29/2020 1 Incomplete Document: 1003 Initial - Lender's is incomplete The initial 1003 was not executed by the borrowers. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401291 20361768 23923 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2017 AR $XXX Loan Review Complete 09/30/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. The Hazard Policy was not in the file. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401290 20361758 22708 XXX Purchase Primary 1/XX/2018 FL $XXX Loan Review Complete 09/30/2020 Legal / Regulatory / Compliance Title / Lien Defect Credit cleared 12/29/2020 1 Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of $XXX is less than the note amount of $XXX based on the title evidence in file. The actual loan amount is $XXX. However, the final Title Policy reflects coverage to be $XXX. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401290 20361759 23923 XXX Purchase Primary 1/XX/2018 FL $XXX Loan Review Complete 09/30/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. The Hazard Insurance policy declarations page is required to list "Lender its successors and assigns". Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401290 20361760 24188 XXX Purchase Primary 1/XX/2018 FL $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 1,997.04 on Final Closing Disclosure provided on 01/XX/2018 not accurate. (Final/01/XX/2018) The HOA fee was disclosed incorrectly on page 4 of the final Closing Disclosure. The actual annual fee per the Appraisal is $485. 1/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401290 20361761 6542 XXX Purchase Primary 1/XX/2018 FL $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Municipal Lien Certificate Fee (MLC). Fee Amount of $30.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77119) The Municipal Lien Certificate Fee (MLC) fee was not disclosed on the Loan Estimate, but included on the final Closing Disclosure at $30.00 without disclosure of a cure. 1/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401290 20361762 6542 XXX Purchase Primary 1/XX/2018 FL $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,120.00 exceeds tolerance of $2,094.00. Insufficient or no cure was provided to the borrower. (8304) Transfer Taxes were under disclosed on the Loan Estimate without disclosure of a cure. 1/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401290 20361764 1052 XXX Purchase Primary 1/XX/2018 FL $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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/01/XX/2018) The acknowledgement is signed by the Borrower 12/XX/2017, which is after the Appraisal effective date and before the Signature date. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401289 20361769 4829 XXX Refinance Rate/Term Primary 12/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Lender to provide documentation of receipt by borrwoer. 12/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401289 20361770 4922 XXX Refinance Rate/Term Primary 12/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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		 Lender to provide property inspection. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401289 20361771 23688 XXX Refinance Rate/Term Primary 12/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Insufficient Coverage: Hazard insurance coverage amount is insufficient. Lender to provide evidence or replacement cost or sufficient coverage. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401289 20361774 7115 XXX Refinance Rate/Term Primary 12/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401289 20361775 3867 XXX Refinance Rate/Term Primary 12/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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). Per 1008 AUS approved Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401289 20361776 6331 XXX Refinance Rate/Term Primary 12/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Cure not provided 12/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401289 20361777 2922 XXX Refinance Rate/Term Primary 12/XX/2017 WA $XXX Loan Review Complete 09/30/2020 Property - Appraisal Appraisal Documentation Credit cleared 12/29/2020 1 Missing Document: Appraisal not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401287 20361778 4276 XXX Purchase Primary 12/XX/2017 TX $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) There was not an initial Closing Disclosure in the file. 12/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401287 20361780 17649 XXX Purchase Primary 12/XX/2017 TX $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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. 12/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401288 20361795 6582 XXX Refinance Cash-out - Other Primary 1/XX/2018 CA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cured 09/29/2020 1 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) The fee increase exceeds the tolerance. 1/XX/2019 Reviewer Comment (2020-09-29): Sufficient Cure Provided At Closing
96401286 20361789 26915 XXX Purchase Primary 12/XX/2017 IN $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Final Closing Disclosure provided on 12/XX/2017 disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. 12/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401286 20361790 6410 XXX Purchase Primary 12/XX/2017 IN $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Seller CD does not itemize fees paid. 12/XX/2018 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401286 20361791 6582 XXX Purchase Primary 12/XX/2017 IN $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cured 09/29/2020 1 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) 12/XX/2018 Reviewer Comment (2020-09-29): Sufficient Cure Provided At Closing
96401286 20361792 5404 XXX Purchase Primary 12/XX/2017 IN $XXX Loan Review Complete 09/30/2020 Income / Employment Income Documentation Credit cleared 12/29/2020 1 Income Docs Missing: Borrower: XXX VVOE - Employment Only DU requires a Verbal VOE dated within 10 days of closing. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401285 20361797 27346 XXX Refinance Rate/Term Primary 1/XX/2018 GA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401285 20361798 7115 XXX Refinance Rate/Term Primary 1/XX/2018 GA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. Escrows match on final CD and 2nd PCCD, However, not match ing on PCCD dated 2/XX/18 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401285 20361799 6331 XXX Refinance Rate/Term Primary 1/XX/2018 GA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No valid COC for change in credit amount. 1/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401285 20361800 4922 XXX Refinance Rate/Term Primary 1/XX/2018 GA $XXX Loan Review Complete 09/30/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401285 20361802 23923 XXX Refinance Rate/Term Primary 1/XX/2018 GA $XXX Loan Review Complete 09/30/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. Lender computer print out provided, please provide actaul insurance policy with correct mortgagee clause Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401333 20361803 6542 XXX Refinance Cash-out - Other Primary 2/XX/2018 CO $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) The file did not contain a valid COC for the added fee and there was no evidence of a cure for the tolerance issue. 2/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401333 20361810 1469 XXX Refinance Cash-out - Other Primary 2/XX/2018 CO $XXX Loan Review Complete 09/30/2020 Compliance State Compliance Compliance cleared 12/29/2020 1 Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. 2/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401333 20361814 27770 XXX Refinance Cash-out - Other Primary 2/XX/2018 CO $XXX Loan Review Complete 09/30/2020 Guideline Guideline Issue Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401331 20361836 26033 XXX Refinance Cash-out - Other Primary 3/XX/2018 CA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 02/XX/2018 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/02/XX/2018) The LE was sent electronically 2/XX/18, which is prior to the e-consent date of 3/XX/18. 4/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401331 20361838 6309 XXX Refinance Cash-out - Other Primary 3/XX/2018 CA $XXX Loan Review Complete 09/30/2020 Compliance Miscellaneous Compliance Compliance cleared 12/29/2020 1 Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. Date Issued: 03/XX/2018 Home Inspection Fee Missing payee for the re-inspection fee in Section B of the final CD. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401331 20361839 1052 XXX Refinance Cash-out - Other Primary 3/XX/2018 CA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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/04/XX/2018) The valuation was sent to the borrower 3/XX/18, which is prior to the report date of 4/XX/18. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401330 20361859 22166 XXX Purchase Primary 4/XX/2018 MA $XXX Loan Review Complete 09/30/2020 Property - Appraisal Appraisal Data Integrity Property cleared 12/29/2020 1 Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: 04/XX/2018 Appraiser license effective date is 05/XX/19. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401330 20361860 17649 XXX Purchase Primary 4/XX/2018 MA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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. 4/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401330 20361861 6543 XXX Purchase Primary 4/XX/2018 MA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Cure provided of $107.90 remaining cure required is 2,313.90 - cure will be allocated when remaining amount is provided. 4/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401330 20361862 6542 XXX Purchase Primary 4/XX/2018 MA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Cure provided of $107.90 remaining cure required is 2,313.90 - cure will be allocated when remaining amount is provided. 4/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401330 20361863 6542 XXX Purchase Primary 4/XX/2018 MA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Cure provided of $107.90 remaining cure required is 2,313.90 - cure will be allocated when remaining amount is provided. 4/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401330 20361864 6542 XXX Purchase Primary 4/XX/2018 MA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Cure provided of $107.90 remaining cure required is 2,313.90 - cure will be allocated when remaining amount is provided. 4/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401330 20361865 6542 XXX Purchase Primary 4/XX/2018 MA $XXX Loan Review Complete 09/30/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Cure provided of $107.90 remaining cure required is 2,313.90 - cure will be allocated when remaining amount is provided. 4/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361883 2802 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Compliance cleared 12/29/2020 1 Missing Document: Missing Lender's Initial 1003 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361884 2800 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Credit Credit Documentation Credit cleared 12/29/2020 1 Missing Document: Credit Report not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361885 2924 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 Missing Document: Fraud Report not provided Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361886 23933 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Legal / Regulatory / Compliance Title / Lien Defect Credit cleared 12/29/2020 1 Final Title Policy is missing. No evidence of title in file. Title is missing. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361888 25158 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 (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 Comment (2020-12-29): OK to Clear per CSM.
96401769 20361889 1330 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361890 27276 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 8/XX/2021 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361891 26916 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361892 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 8/XX/2021 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361893 2646 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. 8/XX/2021 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361894 2647 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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). 8/XX/2021 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361895 19965 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. No evidence of receipt was located in the file. 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361896 3867 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. Originator Loan Designation of Temporary SHQM does not match Due Diligence Loan Designation of Non QM. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361897 1349 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. Unable to determine that creditor considered and verified the ratio of total monthly debt obligations to total monthly income or residual income. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361898 22209 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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 8/XX/2021 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361899 4822 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Missing documentation to verify Monthly Escrow Payment 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361900 4276 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) No evidence of early receipt was located in the file 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361901 6542 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) increase in fee without a COC 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361902 6542 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Increase in fee without a COC 8/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361903 27770 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Guideline Guideline Issue Credit cleared 12/29/2020 1 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 Comment (2020-12-29): OK to Clear per CSM.
96401769 20361904 2842 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Loan Package Documentation Loan File Credit cleared 12/29/2020 1 Missing Document: Hazard Insurance Policy not provided Missing condo blanket policy in file. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401769 20361905 5445 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2018 FL $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401765 20361918 17649 XXX Purchase Primary 9/XX/2018 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) There were no seller paid fees reflected on the Borrower's CD. 9/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401765 20361919 6542 XXX Purchase Primary 9/XX/2018 CT $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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. 9/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401766 20361921 855 XXX Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 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		 The most recent valuation inspection is dated prior to the most recent FEMA disaster. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401766 20361922 23923 XXX Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 10/02/2020 Insurance Insurance Analysis Credit cleared 12/29/2020 1 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. Correct lender is not listed on hazard insurance policy. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401766 20361923 25677 XXX Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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. Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401766 20361924 7115 XXX Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. 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 Comment (2020-12-29): OK to Clear per CSM.
96401766 20361925 26255 XXX Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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 9/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401766 20361926 27274 XXX Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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 9/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401766 20361927 17649 XXX Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) The Seller's final CD contained fees not reflected on the consumer's CD. 9/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401766 20361928 6542 XXX Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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. 9/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401766 20361929 6542 XXX Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 10/02/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) 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. 9/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401645 20361932 3988 XXX Refinance Rate/Term Primary 10/XX/2018 IN $XXX Loan Review Complete 10/01/2020 Compliance Federal Compliance Compliance cleared 12/29/2020 1 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) Evidence of earlier receipt was not provided. 10/XX/2019 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401645 20361933 27835 XXX Refinance Rate/Term Primary 10/XX/2018 IN $XXX Loan Review Complete 10/01/2020 Property - Appraisal Appraisal Documentation Property cleared 12/29/2020 1 Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 Note Date: 10/XX/2018; Lien Position: 1 Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401645 20361934 5404 XXX Refinance Rate/Term Primary 10/XX/2018 IN $XXX Loan Review Complete 10/01/2020 Income / Employment Income Documentation Credit cleared 12/29/2020 1 Income Docs Missing: Borrower: XXX VVOE - Employment Only Per DU, provide the VVOE dated 10 days prior to the Note Date. Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401899 20361957 2924 XXX Purchase Primary 3/XX/2014 WI $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 Missing Document: Fraud Report not provided The file was missing a complete Fraud Repot. (only 1 page provided) Reviewer Comment (2020-12-29): OK to Clear per CSM.
96401899 20361958 2906 XXX Purchase Primary 3/XX/2014 WI $XXX Loan Review Complete 10/02/2020 Loan Package Documentation Application / Processing Credit cleared 12/29/2020 1 Missing Document: HOA Questionnaire not provided The file was missing a copy of the HOA Questionnaire Reviewer Comment (2020-12-29): OK to Clear per CSM.
96402021 20361969 2924 XXX Purchase Primary 7/XX/2015 MD $XXX Loan Review Complete 03/30/2020 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Fraud Report not provided Fraud report was not provided. Missing
96402021 20361971 23688 XXX Purchase Primary 7/XX/2015 MD $XXX Loan Review Complete 03/30/2020 Insurance Insurance Analysis Credit open 3 Insufficient Coverage: Hazard insurance coverage amount is insufficient. 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.
96402021 20361973 6276 XXX Purchase Primary 7/XX/2015 MD $XXX Loan Review Complete 03/30/2020 Asset Asset Documentation Credit open 3 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
96402021 20361974 2587 XXX Purchase Primary 7/XX/2015 MD $XXX Loan Review Complete 03/30/2020 Compliance Federal Compliance Compliance open 2 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. 7/XX/2016
96402021 20361975 2591 XXX Purchase Primary 7/XX/2015 MD $XXX Loan Review Complete 03/30/2020 Compliance Federal Compliance Compliance open 2 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. 7/XX/2016
96402021 20361976 1272 XXX Purchase Primary 7/XX/2015 MD $XXX Loan Review Complete 03/30/2020 Compliance Federal Compliance Compliance open 2 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. Earliest date of borrower attestation of receipt of this disclosure is 6/XX/2015.
96401166 20963596 2641 XXX Purchase Primary 4/XX/2006 IL $XXX Loan Review Complete 02/02/2018 Compliance Federal Compliance Compliance open 2 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. 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. 4/XX/2007
96401097 20963636 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 OR $XXX Loan Review Complete 09/17/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401097 20963637 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 OR $XXX Loan Review Complete 09/17/2017 Compliance Federal Compliance Compliance open 2 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.
96401097 20963638 1270 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 OR $XXX Loan Review Complete 09/17/2017 Compliance Federal Compliance Compliance open 2 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.
96401096 20963613 2798 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 09/05/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401096 20963614 5445 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 09/05/2017 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401096 20963615 1268 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 09/05/2017 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401096 20963618 3366 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 09/05/2017 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 4/XX/2007
96401096 20963623 7027 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 09/05/2017 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 03/XX/2006.
96401096 20963628 1270 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 09/05/2017 Compliance Federal Compliance Compliance open 2 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.
96401167 20963605 5791 XXX Refinance Cash-out - Other Primary 5/XX/2007 PA $XXX Loan Review Complete 02/16/2018 Compliance Federal Compliance Compliance open 2 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.
96401172 20963608 2641 XXX Purchase Primary 9/XX/2004 NY $XXX Loan Review Complete 03/02/2018 Compliance Federal Compliance Compliance open 2 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 $550.06. Unable to determine under disclosure due to missing Itemization of Amount Financed. 9/XX/2005
96401169 20963602 6577 XXX Purchase Primary 6/XX/1999 OH $XXX Loan Review Complete 04/03/2018 Compliance Federal Compliance Compliance open 3 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.
96401169 20963611 6301 XXX Purchase Primary 6/XX/1999 OH $XXX Loan Review Complete 04/03/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 6/XX/2000
96401169 20963617 6302 XXX Purchase Primary 6/XX/1999 OH $XXX Loan Review Complete 04/03/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2000
96401169 20963621 2641 XXX Purchase Primary 6/XX/1999 OH $XXX Loan Review Complete 04/03/2018 Compliance Federal Compliance Compliance open 2 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 $554.85. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. 6/XX/2000
96401169 20963625 2798 XXX Purchase Primary 6/XX/1999 OH $XXX Loan Review Complete 04/03/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401063 20963604 1268 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NJ $XXX Loan Review Complete 02/09/2017 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401063 20963606 1270 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NJ $XXX Loan Review Complete 02/09/2017 Compliance Federal Compliance Compliance open 2 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.
96401062 20963607 2798 XXX Refinance Rate/Term Primary 6/XX/2007 IL $XXX Loan Review Complete 02/09/2017 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401062 20963609 5861 XXX Refinance Rate/Term Primary 6/XX/2007 IL $XXX Loan Review Complete 02/09/2017 Compliance Federal Compliance Compliance open 2 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.
96401062 20963610 1268 XXX Refinance Rate/Term Primary 6/XX/2007 IL $XXX Loan Review Complete 02/09/2017 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401062 20963612 1270 XXX Refinance Rate/Term Primary 6/XX/2007 IL $XXX Loan Review Complete 02/09/2017 Compliance Federal Compliance Compliance open 2 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.
96401062 20963619 2641 XXX Refinance Rate/Term Primary 6/XX/2007 IL $XXX Loan Review Complete 02/09/2017 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of Amount Financed 6/XX/2010
96401059 20963597 3934 XXX Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 02/06/2017 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401059 20963598 5780 XXX Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 02/06/2017 Compliance Miscellaneous Compliance Compliance open 2 Initial TIL not provided 6/XX/2007
96401059 20963600 6355 XXX Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 02/06/2017 Compliance Miscellaneous Compliance Credit open 3 Privacy Notice is missing Disclosure: Privacy Notice
96401171 20963631 6576 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 02/16/2018 Compliance Federal Compliance Compliance open 3 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.
96401171 20963632 2798 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 02/16/2018 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401171 20963633 7027 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 02/16/2018 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 04/XX/2004.
96401171 20963634 6305 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 02/16/2018 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 5/XX/2005
96401171 20963635 6306 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 02/16/2018 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 5/XX/2005
96401061 20963624 6355 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 02/02/2017 Compliance Miscellaneous Compliance Credit open 3 Privacy Notice is missing Disclosure: Privacy Notice
96401061 20963627 1268 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 02/02/2017 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401061 20963629 2641 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 02/02/2017 Compliance Federal Compliance Compliance open 2 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. Per the itemization, $80 subordination fee was not included in the prepaid finance charges. 3/XX/2013
96401061 20963630 2922 XXX Refinance Rate/Term Primary 3/XX/2010 NJ $XXX Loan Review Complete 02/02/2017 Property - Appraisal Appraisal Documentation Credit cleared 02/26/2017 1 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2010 Reviewer Comment (2017-02-26): Cleared with appraisal provided
96401100 20963640 7027 XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 08/04/2017 Compliance Federal Compliance Compliance open 2 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.
96401100 20963642 1268 XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 08/04/2017 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401100 20963643 1270 XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 08/04/2017 Compliance Federal Compliance Compliance open 2 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.
96401100 20963644 2641 XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 08/04/2017 Compliance Federal Compliance Compliance open 2 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 $107.17. Unable to determine under disclosure due to missing itemization of amount financed. 5/XX/2011
96401100 20963645 613 XXX Refinance Cash-out - Other Primary 5/XX/2008 FL $XXX Loan Review Complete 08/04/2017 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 5/XX/2011
96401098 20963650 2864 XXX Purchase Primary 12/XX/2007 MD $XXX Loan Review Complete 06/08/2017 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401098 20963651 7027 XXX Purchase Primary 12/XX/2007 MD $XXX Loan Review Complete 06/08/2017 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 6/XX/2007.
96401098 20963652 4967 XXX Purchase Primary 12/XX/2007 MD $XXX Loan Review Complete 06/08/2017 Property - Appraisal General Appraisal Requirements Compliance cleared 06/29/2017 1 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 Comment (2017-06-29): Appraisal provided for review. Exception cleared.
96401098 20963653 2922 XXX Purchase Primary 12/XX/2007 MD $XXX Loan Review Complete 06/08/2017 Property - Appraisal Appraisal Documentation Credit cleared 06/29/2017 1 Missing Document: Appraisal not provided Reviewer Comment (2017-06-29): Appraisal provided for review. Exception cleared.
96401098 20963656 5445 XXX Purchase Primary 12/XX/2007 MD $XXX Loan Review Complete 06/08/2017 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401099 20963648 7027 XXX Purchase Primary 1/XX/2008 TX $XXX Loan Review Complete 09/17/2017 Compliance Federal Compliance Compliance open 2 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. The final date used for testing was 07/XX/2007.
96401099 20963649 5010 XXX Purchase Primary 1/XX/2008 TX $XXX Loan Review Complete 09/17/2017 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 1/XX/2009
96401178 21233644 6568 XXX Refinance Cash-out - Other Primary 9/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401178 21233767 6576 XXX Refinance Cash-out - Other Primary 9/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96401178 21233768 7027 XXX Refinance Cash-out - Other Primary 9/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401178 21233769 25677 XXX Refinance Cash-out - Other Primary 9/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401178 21233770 23495 XXX Refinance Cash-out - Other Primary 9/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2005
96401178 21233771 23494 XXX Refinance Cash-out - Other Primary 9/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2005
96401178 21233772 2641 XXX Refinance Cash-out - Other Primary 9/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 9/XX/2007
96401203 21234865 7027 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401203 21234867 25677 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401145 21234261 5791 XXX Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401145 21234262 7027 XXX Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401142 21233924 2798 XXX Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401142 21234910 25677 XXX Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401142 21234912 6302 XXX Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2005
96401142 21289304 23495 XXX Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2005
96401200 21233766 2798 XXX Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401200 21235017 7027 XXX Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401200 21235018 25823 XXX Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401200 21235019 25688 XXX Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 4/XX/2005
96401200 21235021 6306 XXX Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 4/XX/2005
96401137 21234450 2798 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401137 21235099 7027 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401137 21235100 25677 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401137 21235101 2641 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $6,248.08. Under disclosure is due to the lender utilizing an index value of 2.757% per the approval, however the lowest index value available in the lookback period is 2.87%. 10/XX/2008
96401137 21235420 6568 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401122 21236812 2798 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401122 21237024 7027 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401122 21237025 1268 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401122 21237027 25677 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401122 21237029 23495 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2007
96401122 21237030 6302 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2007
96401122 21237031 2641 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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 4/XX/2009
96401122 21237045 6568 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401123 21236632 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401123 21236719 6568 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401123 21236842 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401123 21236843 2641 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $177.29. TIL itemization only disclosed origination charges in the amount of $XXX and final HUD reflects $XXX 4/XX/2009
96401182 21236230 2798 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401182 21236684 7027 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401182 21236687 23495 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2007
96401182 21236689 6302 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2007
96401182 21236690 2641 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $3,313.59. 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%. 4/XX/2009
96401182 21236691 2647 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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). 4/XX/2009
96401124 21236804 2798 XXX Purchase Primary 4/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401124 21237050 7027 XXX Purchase Primary 4/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401124 21237051 2641 XXX Purchase Primary 4/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $13,017.99. 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%. 4/XX/2007
96401124 21237056 6568 XXX Purchase Primary 4/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401173 21237163 2798 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401173 21237228 6568 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401173 21291658 4924 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96401113 21237496 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401113 21237636 5791 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401113 21237637 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401113 21237638 25688 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 9/XX/2007
96401113 21237639 6302 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2007
96401113 21237644 2641 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $11,497.81. Under disclosure is due to the lender utilizing an index value of 4.11% per the approval, however the lowest index value available in the lookback period is 4.34%. 9/XX/2009
96401113 21376215 6568 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401204 21232075 2798 XXX Purchase Primary 6/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401204 21232642 6302 XXX Purchase Primary 6/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2005
96401204 21232643 2641 XXX Purchase Primary 6/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Fees are under disclosed $217.86 and fees match the HUD. Unable to verify the reason for the under disclosure due to missing Itemization. 6/XX/2005
96401204 21287500 4924 XXX Purchase Primary 6/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96401146 21232325 2798 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401146 21233025 6568 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401146 21233121 26290 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401146 21233122 25688 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 2/XX/2006
96401146 21233123 6302 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2006
96401146 21233139 5445 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401146 21287665 2641 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 2/XX/2006
96401190 21233345 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401190 21234014 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401190 21234015 25677 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401190 21234016 25688 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 7/XX/2007
96401190 21234017 6302 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2007
96401190 21288351 2641 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $9,376.98. Underdisclosure is due to the lender utilizing an index value of 3.66% per the Approval, however the lowest index value available in the lookback period is 3.79%. 7/XX/2009
96401174 21233872 2798 XXX Purchase Primary 4/XX/1999 TX $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401174 21234643 6568 XXX Purchase Primary 4/XX/1999 TX $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401174 21234688 7027 XXX Purchase Primary 4/XX/1999 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401174 21234689 6302 XXX Purchase Primary 4/XX/1999 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2000
96401174 21288981 4924 XXX Purchase Primary 4/XX/1999 TX $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96401114 21233756 2798 XXX Refinance Cash-out - Other Primary 1/XX/2003 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401114 21234093 7027 XXX Refinance Cash-out - Other Primary 1/XX/2003 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401114 21234094 25677 XXX Refinance Cash-out - Other Primary 1/XX/2003 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401114 21234095 6302 XXX Refinance Cash-out - Other Primary 1/XX/2003 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2004
96401114 21234131 6568 XXX Refinance Cash-out - Other Primary 1/XX/2003 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401138 21234816 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401138 21235909 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401138 21235914 25677 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401138 21235919 23495 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2007
96401138 21235924 23494 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2007
96401138 21235928 2641 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 3/XX/2009
96401191 21237007 2798 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401191 21237103 7027 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401191 21237104 25677 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401191 21237105 23495 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2007
96401191 21237165 6568 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401179 21232273 2798 XXX Refinance Cash-out - Other Primary 6/XX/2004 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401179 21232794 6568 XXX Refinance Cash-out - Other Primary 6/XX/2004 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401179 21232842 7027 XXX Refinance Cash-out - Other Primary 6/XX/2004 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401179 21232843 25815 XXX Refinance Cash-out - Other Primary 6/XX/2004 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401179 21232844 6302 XXX Refinance Cash-out - Other Primary 6/XX/2004 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2005
96401179 21232846 2642 XXX Refinance Cash-out - Other Primary 6/XX/2004 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2008
96401179 21232864 2641 XXX Refinance Cash-out - Other Primary 6/XX/2004 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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. 6/XX/2008
96401180 21232087 2798 XXX Refinance Cash-out - Other Investment 5/XX/2004 WI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401180 21232904 6576 XXX Refinance Cash-out - Other Investment 5/XX/2004 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96401180 21232905 24402 XXX Refinance Cash-out - Other Investment 5/XX/2004 WI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Wisconsin Late Charge Amount Testing First Lien Wisconsin Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.
96401180 21232906 24404 XXX Refinance Cash-out - Other Investment 5/XX/2004 WI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401116 21232129 2798 XXX Refinance Rate/Term Primary 8/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401116 21233324 7027 XXX Refinance Rate/Term Primary 8/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401116 21233325 25677 XXX Refinance Rate/Term Primary 8/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401116 21233326 2641 XXX Refinance Rate/Term Primary 8/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $6,756.84. Under disclosure is due to the lender utilizing an index value of 1.083% per the loan approval, however the lowest index value available in the lookback period is 1.16187%. 8/XX/2007
96401116 21233475 6568 XXX Refinance Rate/Term Primary 8/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401162 21233873 6568 XXX Refinance Cash-out - Other Primary 5/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401162 21234018 5791 XXX Refinance Cash-out - Other Primary 5/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401162 21234019 7027 XXX Refinance Cash-out - Other Primary 5/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401162 21234020 25677 XXX Refinance Cash-out - Other Primary 5/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401162 21234021 23495 XXX Refinance Cash-out - Other Primary 5/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2007
96401162 21234022 23494 XXX Refinance Cash-out - Other Primary 5/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2007
96401162 21234023 2641 XXX Refinance Cash-out - Other Primary 5/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 5/XX/2009
96401163 21234826 6576 XXX Refinance Cash-out - Debt Consolidation Second Home 6/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96401163 21234827 7027 XXX Refinance Cash-out - Debt Consolidation Second Home 6/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401163 21288404 1268 XXX Refinance Cash-out - Debt Consolidation Second Home 6/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401163 21288405 25677 XXX Refinance Cash-out - Debt Consolidation Second Home 6/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401163 21288406 2641 XXX Refinance Cash-out - Debt Consolidation Second Home 6/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 6/XX/2007
96401163 21376067 4924 XXX Refinance Cash-out - Debt Consolidation Second Home 6/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96401163 21388149 28247 XXX Refinance Cash-out - Debt Consolidation Second Home 6/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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).
96401197 21234280 2798 XXX Refinance Rate/Term Primary 1/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401197 21234430 6568 XXX Refinance Rate/Term Primary 1/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401197 21234563 23494 XXX Refinance Rate/Term Primary 1/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2008
96401197 21234564 2641 XXX Refinance Rate/Term Primary 1/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $4,878.16. Under disclosure is due to the lender utilizing an index value of 4.650%, however the lowest value available in the lookback period is 4.690%. 1/XX/2010
96401147 21237053 2798 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401147 21237551 6568 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401147 21237557 3934 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401147 21238049 5791 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401147 21238050 7027 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401147 21238052 25677 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401147 21238053 23495 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2007
96401147 21238054 6302 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2007
96401147 21238055 2641 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 3/XX/2009
96401212 21235437 20780 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401212 21235452 7027 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401212 21235464 24490 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401212 21235660 2641 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Unable to determine cause of under disclosure due to missing itemization of amount financed 4/XX/2010
96401212 21235665 2642 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2010
96401212 21236175 6568 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401130 21232861 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401130 21232862 23494 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2005
96401181 21233190 2798 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401181 21233233 7027 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401181 21233234 25677 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401181 21233235 28240 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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) 4/XX/2007
96401181 21233250 6568 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401117 21233289 7027 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401117 21233291 23495 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2006
96401117 21233293 6302 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2006
96401117 21233301 2798 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401117 21233312 6568 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401175 21237831 7027 XXX Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401175 21237832 23495 XXX Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2007
96401175 21237834 6302 XXX Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2007
96401175 21237835 2641 XXX Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $42,422.77. 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 3.66%. 5/XX/2009
96401139 21234874 25688 XXX Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 12/XX/2008
96401139 21234875 6302 XXX Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2008
96401125 21234896 2798 XXX Purchase Primary 1/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401125 21238906 7027 XXX Purchase Primary 1/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401125 21238910 25688 XXX Purchase Primary 1/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 1/XX/2006
96401125 21238912 6302 XXX Purchase Primary 1/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2006
96401125 21290080 2641 XXX Purchase Primary 1/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $1,823.24. Under disclosure is due to lender utilizing an index value of 1.451% per the Approval, however the lowest index value available in the lookback period is 1.56333%. 1/XX/2006
96401126 21234274 2798 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401126 21234917 6568 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401126 21236168 7027 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401126 21236169 25677 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401126 21236170 23495 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2006
96401126 21236171 23494 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2006
96401126 21236172 2641 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 1/XX/2008
96401148 21237297 2798 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401148 21237926 7027 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401148 21237927 25677 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401148 21237928 26290 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401148 21237929 23494 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2007
96401148 21237930 2641 XXX Purchase Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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. 7/XX/2007
96401161 21234191 2798 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401161 21234918 6568 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401161 21235030 5791 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401161 21235031 7027 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401161 21235032 23495 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2006
96401161 21235033 6302 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2006
96401161 21235036 2641 XXX Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 8/XX/2008
96401211 21236656 6568 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401211 21236766 2647 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2009
96401211 21236770 6302 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2007
96401211 21290219 2641 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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/XX/2009
96401127 21234441 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401127 21236187 4967 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401127 21236260 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401127 21236261 25677 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401127 21236262 2641 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. TIL Itemization only disclosed origination charges in the amount of $3749.76, however, final HUD reflects $4684.62 3/XX/2009
96401131 21232174 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401131 21233715 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401131 21233716 1268 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401131 21233717 25677 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401131 21233718 1973 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401131 21233719 1976 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401131 21233720 6589 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96401131 21233721 25492 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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).
96401131 21233722 25688 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 6/XX/2004
96401131 21233723 6302 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2004
96401192 21232426 2798 XXX Refinance Cash-out - Debt Consolidation Investment 8/XX/2003 TX $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401118 21233022 2798 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401118 21233194 5791 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401118 21233195 7027 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401118 21233197 23495 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2006
96401118 21233198 6302 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2006
96401118 21233200 2641 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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. 6/XX/2008
96401119 21233171 2798 XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401119 21233277 5791 XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401119 21233280 7027 XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401119 21233282 23495 XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2006
96401119 21233283 6302 XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2006
96401119 21233284 2641 XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 4/XX/2008
96401119 21233314 6568 XXX Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401120 21232549 2798 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401120 21232980 7027 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401120 21232981 25677 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401120 21232982 23495 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2006
96401120 21232983 23494 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2006
96401120 21232987 6568 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401198 21233059 2798 XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401198 21233153 2641 XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 1/XX/2009
96401198 21287858 4924 XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96401140 21234166 5791 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401140 21234168 7027 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401140 21234170 26290 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401140 21234171 25688 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 1/XX/2007
96401140 21234172 6302 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2007
96401140 21234173 2641 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 1/XX/2007
96401140 21234233 25677 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401193 21234423 7027 XXX Refinance Rate/Term Primary 9/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401193 21234424 23495 XXX Refinance Rate/Term Primary 9/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2008
96401193 21234425 6302 XXX Refinance Rate/Term Primary 9/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2008
96401193 21234454 6568 XXX Refinance Rate/Term Primary 9/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401183 21237339 5791 XXX Refinance Cash-out - Other Primary 2/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401183 21237340 1891 XXX Refinance Cash-out - Other Primary 2/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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/XX/2008
96401183 21237350 6568 XXX Refinance Cash-out - Other Primary 2/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401184 21234748 6568 XXX Refinance Rate/Term Primary 2/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401184 21234777 2798 XXX Refinance Rate/Term Primary 2/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401184 21234924 7027 XXX Refinance Rate/Term Primary 2/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401184 21234925 1891 XXX Refinance Rate/Term Primary 2/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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/XX/2008
96401184 21234926 23495 XXX Refinance Rate/Term Primary 2/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2006
96401184 21234927 6302 XXX Refinance Rate/Term Primary 2/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2006
96401184 21234928 2642 XXX Refinance Rate/Term Primary 2/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 2/XX/2009
96401115 21236153 7027 XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401115 21236156 25688 XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 1/XX/2007
96401115 21236157 6306 XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 1/XX/2007
96401115 21236158 2642 XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2009
96401115 21236242 25677 XXX Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401176 21234821 2798 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401176 21236626 7027 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401176 21236627 23495 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2007
96401164 21236653 2798 XXX Refinance Cash-out - Other Primary 6/XX/2006 RI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401164 21237554 6568 XXX Refinance Cash-out - Other Primary 6/XX/2006 RI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401164 21237597 25688 XXX Refinance Cash-out - Other Primary 6/XX/2006 RI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 6/XX/2007
96401164 21237598 6302 XXX Refinance Cash-out - Other Primary 6/XX/2006 RI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2007
96401164 21237599 2641 XXX Refinance Cash-out - Other Primary 6/XX/2006 RI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 6/XX/2009
96401164 21237601 2647 XXX Refinance Cash-out - Other Primary 6/XX/2006 RI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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). 6/XX/2009
96401164 21291416 4924 XXX Refinance Cash-out - Other Primary 6/XX/2006 RI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96401141 21237359 2798 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401141 21238080 7027 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401141 21238081 25677 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401141 21238082 23495 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2007
96401141 21238083 23494 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2007
96401141 21238084 2641 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 10/XX/2009
96401141 21291935 4924 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96401141 21291981 6568 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401209 21240867 6568 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401209 21240898 7027 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401209 21240899 25677 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401177 21238467 2798 XXX Refinance Cash-out - Home Improvement Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401177 21238890 6568 XXX Refinance Cash-out - Home Improvement Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401177 21239049 7027 XXX Refinance Cash-out - Home Improvement Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401177 21239051 23495 XXX Refinance Cash-out - Home Improvement Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2008
96401177 21239052 6302 XXX Refinance Cash-out - Home Improvement Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2008
96401199 21233176 5791 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401199 21233177 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401199 21233178 25677 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401199 21233179 23495 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2006
96401199 21233180 23494 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2006
96401199 21233181 2641 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 1/XX/2008
96401157 21233816 5791 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401157 21233817 7027 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401157 21233818 25677 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401157 21233819 25688 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 12/XX/2006
96401157 21233820 6302 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2006
96401157 21233821 2641 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 12/XX/2008
96401121 21233916 7027 XXX Refinance Rate/Term Primary 9/XX/2006 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401121 21288650 6568 XXX Refinance Rate/Term Primary 9/XX/2006 WA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401207 21233050 2798 XXX Refinance Cash-out - Other Second Home 9/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401207 21233757 5791 XXX Refinance Cash-out - Other Second Home 9/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401207 21233758 7027 XXX Refinance Cash-out - Other Second Home 9/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401207 21233759 25677 XXX Refinance Cash-out - Other Second Home 9/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401207 21233761 2641 XXX Refinance Cash-out - Other Second Home 9/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 9/XX/2007
96401165 21233787 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401165 21233788 23495 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96401165 21233836 6568 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401154 21234029 2798 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401154 21234281 6568 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401154 21234386 5791 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401154 21234401 25688 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 12/XX/2006
96401154 21234402 6302 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2006
96401154 21234404 2641 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 12/XX/2008
96401149 21233219 2798 XXX Refinance Cash-out - Other Primary 11/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401149 21233508 5791 XXX Refinance Cash-out - Other Primary 11/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401149 21233509 6302 XXX Refinance Cash-out - Other Primary 11/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2006
96401149 21233510 28240 XXX Refinance Cash-out - Other Primary 11/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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) 11/XX/2008
96401149 21233511 2641 XXX Refinance Cash-out - Other Primary 11/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $12,473.93. Under disclosure is due to the lender utilizing an index value of 2.97% per the approval, however the lowest index value available in the lookback period is 3.06%. 11/XX/2008
96401149 21376068 4924 XXX Refinance Cash-out - Other Primary 11/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96401150 21233637 7027 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401150 21233638 25677 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401150 21233639 23495 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2006
96401150 21233641 6302 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2006
96401150 21233653 6568 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401150 21287878 4924 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96401143 21233624 2798 XXX Purchase Second Home 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401143 21233960 7027 XXX Purchase Second Home 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401143 21233961 6419 XXX Purchase Second Home 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.49200% is underdisclosed from calculated APR of 7.89210% outside of 0.250% tolerance. Approval indicates the Index used was 3.94%. The closest Index available in our look-back period is 4.34%
96401143 21233962 2641 XXX Purchase Second Home 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $30,107.81. Approval indicates the Index used was 3.94%. The closest Index available in our look-back period is 4.34%
96401201 21236838 25688 XXX Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 8/XX/2007
96401201 21236839 6306 XXX Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2007
96401133 21233445 2798 XXX UTD UTD UTD 5/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401133 21233837 4967 XXX UTD UTD UTD 5/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401133 21233858 3934 XXX UTD UTD UTD 5/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401133 21233862 18330 XXX UTD UTD UTD 5/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96401133 21234009 20780 XXX UTD UTD UTD 5/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401133 21234010 6579 XXX UTD UTD UTD 5/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96401133 21234011 7028 XXX UTD UTD UTD 5/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401133 21234012 2645 XXX UTD UTD UTD 5/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2010
96401133 21234013 3366 XXX UTD UTD UTD 5/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2010
96401158 21234458 25688 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 8/XX/2006
96401158 21234459 6306 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2006
96401158 21234460 2641 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 8/XX/2008
96401158 21234461 2642 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96401158 21234462 2647 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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). 8/XX/2008
96401159 21234560 2798 XXX Purchase Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401159 21234664 7027 XXX Purchase Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401159 21234665 1268 XXX Purchase Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401159 21234666 25677 XXX Purchase Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401159 21234667 26290 XXX Purchase Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401159 21234668 25688 XXX Purchase Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 9/XX/2005
96401159 21234669 6302 XXX Purchase Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2005
96401159 21234670 2641 XXX Purchase Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 9/XX/2005
96401155 21238032 6568 XXX Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401155 21238104 5791 XXX Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401155 21238105 7027 XXX Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401155 21238106 23495 XXX Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2007
96401155 21238107 6302 XXX Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2007
96401155 21238108 2641 XXX Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 5/XX/2009
96401128 21237911 6568 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401128 21238019 5791 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401128 21238020 7027 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401128 21238021 25677 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401128 21238022 23495 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2007
96401128 21238023 23494 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2007
96401128 21238024 2641 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 8/XX/2009
96401185 21238905 25688 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 1/XX/2008
96401185 21238907 6302 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2008
96401185 21238908 6419 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 1/XX/2010
96401185 21238909 2641 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 1/XX/2010
96401144 21239789 25897 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Oregon Prepayment Penalty Loan Agreement Oregon Prepayment Penalty: Loan agreement does not contain required prepayment penalty language specified in the statute.
96401144 21239919 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401202 21239178 7027 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401202 21239181 23495 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2009
96401202 21239182 6302 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2009
96401202 21239183 6419 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 1/XX/2011
96401202 21239184 2641 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 1/XX/2011
96401135 21238644 25677 XXX Refinance Rate/Term Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401135 21238645 2641 XXX Refinance Rate/Term Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 2/XX/2010
96401135 21292732 2798 XXX Refinance Rate/Term Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401135 21292772 7027 XXX Refinance Rate/Term Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401135 21376069 4924 XXX Refinance Rate/Term Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96401195 21239197 7027 XXX Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401195 21239198 25677 XXX Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401160 21241376 2646 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2010
96401160 21241378 613 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 11/XX/2010
96401186 21237640 7027 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401186 21237641 25677 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401186 21237642 23495 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2007
96401187 21238343 5791 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401187 21238347 7027 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401187 21238348 25688 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 12/XX/2007
96401187 21238349 6306 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 12/XX/2007
96401187 21238352 2641 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 11/XX/2009
96401208 21238613 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401208 21238614 1268 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401208 21238615 25677 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401208 21238616 23495 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2007
96401208 21238617 6302 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2007
96401208 21238619 2641 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 12/XX/2009
96401208 21238658 6568 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401152 21238670 5791 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401152 21238671 7027 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96401152 21238672 25677 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401152 21238675 6302 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2007
96401152 21238686 6568 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401188 21233798 6568 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401188 21233840 7027 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401188 21233841 25677 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401188 21233843 6302 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2007
96401188 21233845 2641 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 2/XX/2009
96401188 21288349 5791 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401156 21233968 6568 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401156 21233991 5791 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401156 21233996 7027 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401156 21233998 1268 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401156 21233999 25677 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401156 21234002 23495 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2007
96401156 21234007 2641 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. It appears a lower Index was used at origination than the 4.89667% Index available within the look-back period. 10/XX/2009
96401156 21234102 6302 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2007
96401153 21239523 7027 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401153 21239525 25688 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 9/XX/2008
96401153 21239526 6306 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 9/XX/2008
96401129 21236275 2798 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401129 21238461 7027 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401129 21238465 6302 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2007
96401129 21291233 25677 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400300 21240181 7027 XXX Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400300 21240182 25823 XXX Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400300 21240183 25688 XXX Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 7/XX/2008
96400300 21240184 6306 XXX Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 7/XX/2008
96400034 21251937 25677 XXX Purchase Primary 12/XX/2007 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401050 21259230 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401050 21260298 611 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 7/XX/2005
96401050 21260306 613 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 7/XX/2005
96401050 21260696 1159 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96401050 21260697 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401050 21260698 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401050 21260699 25807 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401050 21260700 22050 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2005
96401050 21260701 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2005
96401050 21260702 5010 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 7/XX/2005
96401050 21260703 3365 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 7/XX/2005
96400155 21280525 20780 XXX Refinance Rate/Term Primary 9/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400155 21280526 2642 XXX Refinance Rate/Term Primary 9/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2004
96400494 21231359 2798 XXX Refinance UTD Primary 9/XX/2001 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400494 21231366 3934 XXX Refinance UTD Primary 9/XX/2001 IN $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400494 21231533 20780 XXX Refinance UTD Primary 9/XX/2001 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400494 21231534 6579 XXX Refinance UTD Primary 9/XX/2001 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400494 21231535 7028 XXX Refinance UTD Primary 9/XX/2001 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400494 21231536 2645 XXX Refinance UTD Primary 9/XX/2001 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 9/XX/2004
96400494 21231537 3366 XXX Refinance UTD Primary 9/XX/2001 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 9/XX/2004
96400576 21255831 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400576 21257862 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400576 21257863 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400576 21257865 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2009
96400576 21257965 5010 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 3/XX/2009
96400723 21248138 4924 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1998 UT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400723 21248298 6568 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1998 UT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400729 21248373 3934 XXX Purchase Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400729 21248389 20780 XXX Purchase Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400729 21248390 7027 XXX Purchase Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400729 21248391 25686 XXX Purchase Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 11/XX/2001
96400729 21248392 6302 XXX Purchase Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2001
96401048 21254935 2864 XXX Purchase Primary 5/XX/2004 MN $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96401048 21255365 7027 XXX Purchase Primary 5/XX/2004 MN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401048 21255366 1986 XXX Purchase Primary 5/XX/2004 MN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400168 21279979 20780 XXX Refinance Cash-out - Other Primary 8/XX/2003 RI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400168 21279980 7027 XXX Refinance Cash-out - Other Primary 8/XX/2003 RI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400168 21279981 2642 XXX Refinance Cash-out - Other Primary 8/XX/2003 RI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2006
96400085 21230049 25902 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400841 21250761 4697 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 TILA - Final TIL Missing 8/XX/2008
96400841 21250767 4211 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 3 Title: Evidence of title is missing
96400841 21250794 2798 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400841 21250882 6555 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400841 21250895 4967 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400841 21250899 3934 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400841 21250905 18330 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400841 21250924 23933 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400841 21250991 20780 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400841 21250994 6579 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400841 21250995 7028 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400841 21250997 22051 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400841 21250998 2645 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2008
96400841 21250999 3366 XXX UTD UTD UTD 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2008
96400081 21229091 2798 XXX Purchase Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400081 21229801 7027 XXX Purchase Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400081 21229803 25688 XXX Purchase Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 9/XX/2006
96400081 21229804 6302 XXX Purchase Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2006
96400567 21256050 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400567 21257770 6568 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400567 21258037 5445 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400567 21258038 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400567 21258039 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400567 21258040 25677 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400567 21258041 2642 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2008
96400023 21225420 4967 XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400023 21225427 5445 XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400023 21265887 2864 XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400023 21388365 7027 XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400023 21388366 5010 XXX Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 7/XX/2008
96400974 21253681 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400974 21253767 6568 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400974 21253843 1159 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400974 21253845 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400974 21253846 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400974 21253847 1974 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400974 21253848 1977 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400974 21253849 6589 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400974 21253850 22050 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2007
96400974 21253851 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2007
96400974 21304498 5010 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 7/XX/2007
96400974 21304509 611 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 7/XX/2007
96400974 21304514 613 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 7/XX/2007
96400537 21239514 23933 XXX Purchase Primary 9/XX/2001 MI $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400537 21239531 2641 XXX Purchase Primary 9/XX/2001 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $717.07. Unable to determine under disclosure due to missing Itemization of Amount Financed. 9/XX/2002
96400677 21254816 2798 XXX Purchase Primary 2/XX/2005 MS $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400677 21255273 5445 XXX Purchase Primary 2/XX/2005 MS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400677 21255274 7027 XXX Purchase Primary 2/XX/2005 MS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400677 21255275 24415 XXX Purchase Primary 2/XX/2005 MS $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Mississippi Late Charge Percent and Amount Testing > $100,000 Mississippi Late Charge: Note late charge of 5.00000% exceeds state maximum of 4% or $5, whichever is greater.
96400386 21250479 20780 XXX Refinance UTD Primary 1/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400386 21250480 6579 XXX Refinance UTD Primary 1/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400386 21250481 7028 XXX Refinance UTD Primary 1/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400386 21250482 2645 XXX Refinance UTD Primary 1/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2005
96400386 21250483 3366 XXX Refinance UTD Primary 1/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2005
96400386 21250591 6555 XXX Refinance UTD Primary 1/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400386 21250592 4967 XXX Refinance UTD Primary 1/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400386 21250599 2798 XXX Refinance UTD Primary 1/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400386 21250632 6568 XXX Refinance UTD Primary 1/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400386 21250644 3934 XXX Refinance UTD Primary 1/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400386 21250664 23933 XXX Refinance UTD Primary 1/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400498 21231850 2798 XXX Purchase Primary 8/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400498 21231948 7027 XXX Purchase Primary 8/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400498 21231949 25677 XXX Purchase Primary 8/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400498 21284636 23495 XXX Purchase Primary 8/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2005
96400498 21284637 23494 XXX Purchase Primary 8/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2005
96401036 21254282 2798 XXX Refinance Rate/Term Primary 11/XX/2001 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401036 21254437 4967 XXX Refinance Rate/Term Primary 11/XX/2001 SC $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401036 21254556 20780 XXX Refinance Rate/Term Primary 11/XX/2001 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401036 21254561 2642 XXX Refinance Rate/Term Primary 11/XX/2001 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2004
96400682 21256348 7027 XXX Purchase Primary 3/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400682 21256358 25688 XXX Purchase Primary 3/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 3/XX/2007
96400682 21256359 6302 XXX Purchase Primary 3/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2007
96400540 21227492 1268 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400745 21268426 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400745 21269048 4967 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400745 21269073 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400745 21269074 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400745 21269076 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2009
96400745 21269077 5010 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 10/XX/2009
96400041 21280774 1159 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400041 21280775 25677 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400041 21280776 25902 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400506 21282496 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400506 21282646 1159 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400506 21282647 20780 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400506 21282648 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400506 21282649 22271 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
96400506 21282650 22050 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2006
96400506 21282651 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2006
96400506 21310640 611 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 9/XX/2006
96400506 21310641 613 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 9/XX/2006
96400732 21249284 2798 XXX Refinance Rate/Term Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400732 21249623 20780 XXX Refinance Rate/Term Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400732 21249624 7027 XXX Refinance Rate/Term Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400732 21249625 22051 XXX Refinance Rate/Term Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400732 21249626 2642 XXX Refinance Rate/Term Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2010
96400732 21249628 5010 XXX Refinance Rate/Term Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 4/XX/2010
96400424 21279848 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400424 21279850 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400424 21279851 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400424 21279852 22051 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400424 21279853 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2009
96400151 21230406 2798 XXX Purchase UTD 10/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400151 21237942 23933 XXX Purchase UTD 10/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400151 21237943 18330 XXX Purchase UTD 10/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400151 21237944 3934 XXX Purchase UTD 10/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400151 21237959 4967 XXX Purchase UTD 10/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400151 21237968 20780 XXX Purchase UTD 10/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400151 21237969 6579 XXX Purchase UTD 10/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400151 21237971 7028 XXX Purchase UTD 10/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400151 21237972 3366 XXX Purchase UTD 10/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 10/XX/2008
96400545 21228127 2798 XXX UTD UTD Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400545 21228192 20780 XXX UTD UTD Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400545 21228193 6579 XXX UTD UTD Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400545 21228194 7028 XXX UTD UTD Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400545 21228195 25686 XXX UTD UTD Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 10/XX/2006
96400545 21228196 6302 XXX UTD UTD Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2006
96400545 21228197 2645 XXX UTD UTD Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/2008
96400545 21228198 3366 XXX UTD UTD Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 10/XX/2008
96400545 21228286 4967 XXX UTD UTD Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400545 21228288 3934 XXX UTD UTD Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400939 21253264 2798 XXX Refinance UTD Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400939 21253471 20780 XXX Refinance UTD Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400939 21253472 6579 XXX Refinance UTD Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400939 21253473 7028 XXX Refinance UTD Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400939 21253474 2645 XXX Refinance UTD Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 9/XX/2007
96400939 21253475 3366 XXX Refinance UTD Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 9/XX/2007
96400939 21253490 4967 XXX Refinance UTD Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400939 21253494 6568 XXX Refinance UTD Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400939 21253498 3934 XXX Refinance UTD Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400080 21225181 2644 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 RI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2009
96400149 21230664 1159 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400149 21230665 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400149 21230666 25805 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Prepayment Penalty Test Maryland Prepayment Penalty: Loan prepay term of 60 months exceeds state maximum of 36 months.
96400365 21228782 1159 XXX Refinance Cash-out - Other Primary 1/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400365 21228783 6576 XXX Refinance Cash-out - Other Primary 1/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400365 21228784 7027 XXX Refinance Cash-out - Other Primary 1/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400365 21228785 25688 XXX Refinance Cash-out - Other Primary 1/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 1/XX/2004
96400365 21228786 6306 XXX Refinance Cash-out - Other Primary 1/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 1/XX/2004
96400037 21253893 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400037 21254717 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400037 21254718 22050 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 11/XX/2006
96400037 21254721 2642 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2006
96400597 21256255 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400597 21257275 1159 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400597 21257278 25806 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)
96400597 21306616 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400086 21229471 2798 XXX UTD UTD UTD 2/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400086 21229620 18330 XXX UTD UTD UTD 2/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400086 21229621 3934 XXX UTD UTD UTD 2/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400086 21229630 4967 XXX UTD UTD UTD 2/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400086 21229684 20780 XXX UTD UTD UTD 2/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400086 21229685 6579 XXX UTD UTD UTD 2/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400086 21229686 7028 XXX UTD UTD UTD 2/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400086 21229687 22270 XXX UTD UTD UTD 2/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.
96400086 21229688 2645 XXX UTD UTD UTD 2/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2009
96400086 21229689 3366 XXX UTD UTD UTD 2/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2009
96401107 21253683 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401107 21254654 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401107 21254655 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401107 21254656 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96401107 21254660 6555 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96401107 21254673 3934 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400008 21249593 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400008 21249965 6555 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400008 21249994 1159 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400008 21249995 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400008 21249996 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400008 21249998 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2009
96400008 21299538 5010 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 10/XX/2009
96400170 21280087 2642 XXX Refinance Rate/Term Primary 2/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 2/XX/2006
96400170 21311826 4924 XXX Refinance Rate/Term Primary 2/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400863 21252285 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400863 21252787 4967 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance cleared 07/07/2021 1 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 Comment (2021-07-07): Appraisal provided.
96400863 21252803 6555 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400863 21252857 20780 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400863 21252858 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400863 21252859 2504 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance cleared 07/07/2021 1 West Virginia Residential Mortgage Lender, Broker, and Servicer Act - CLTV Greater than 100% Unable to determine LTV/CLTV due to missing information. Reviewer Comment (2021-07-07): Appraisal located.
96400863 21252860 29403 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 3 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 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.
96400863 21252861 2642 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2010
96400863 21252862 5010 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 6/XX/2010
96400144 21226522 2798 XXX Purchase Primary 9/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400144 21226568 7027 XXX Purchase Primary 9/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400936 21253638 2798 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400936 21253888 20780 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400936 21253889 7027 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400936 21253890 22050 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 5/XX/2008
96400936 21253891 2642 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2008
96400936 21253897 611 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 5/XX/2008
96400936 21253902 613 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 5/XX/2008
96400936 21253919 6568 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400697 21261679 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400697 21261863 6555 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400697 21262319 1159 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400697 21262320 20780 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400697 21262321 22050 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2009
96400697 21262322 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2009
96400697 21262323 3366 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 9/XX/2009
96400733 21249668 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400733 21249957 6555 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400733 21250007 4967 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400733 21250033 1159 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400733 21250034 20780 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400733 21250035 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400733 21250036 23038 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400733 21250040 2642 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2010
96400733 21250041 5010 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 4/XX/2010
96400733 21299814 6568 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400002 21249458 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96400002 21249459 22137 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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
96400484 21263924 3934 XXX Refinance Cash-out - Other Primary 2/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400484 21264003 7027 XXX Refinance Cash-out - Other Primary 2/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400484 21264004 1974 XXX Refinance Cash-out - Other Primary 2/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400484 21264005 1977 XXX Refinance Cash-out - Other Primary 2/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400484 21264006 6590 XXX Refinance Cash-out - Other Primary 2/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400966 21249163 2798 XXX Refinance Cash-out - Other Primary 4/XX/2006 OR $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400966 21249675 20780 XXX Refinance Cash-out - Other Primary 4/XX/2006 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400966 21249676 7027 XXX Refinance Cash-out - Other Primary 4/XX/2006 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400966 21249677 25898 XXX Refinance Cash-out - Other Primary 4/XX/2006 OR $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400966 21249678 2642 XXX Refinance Cash-out - Other Primary 4/XX/2006 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2009
96400966 21249679 5010 XXX Refinance Cash-out - Other Primary 4/XX/2006 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 4/XX/2009
96400966 21249719 6568 XXX Refinance Cash-out - Other Primary 4/XX/2006 OR $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400966 21299168 4924 XXX Refinance Cash-out - Other Primary 4/XX/2006 OR $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400511 21277408 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400511 21277444 20780 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400511 21277445 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400511 21277446 25806 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)
96400511 21277447 2642 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2007
96400511 21277450 6555 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400089 21229910 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/1999 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400089 21230158 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/1999 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400089 21230163 6568 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/1999 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401101 21253211 2798 XXX Refinance Rate/Term Primary 4/XX/2007 IL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401101 21253410 20780 XXX Refinance Rate/Term Primary 4/XX/2007 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401101 21253416 2642 XXX Refinance Rate/Term Primary 4/XX/2007 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2010
96400577 21257848 2798 XXX Refinance Cash-out - Other Primary 7/XX/2006 KY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400577 21260162 1159 XXX Refinance Cash-out - Other Primary 7/XX/2006 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400577 21260163 20780 XXX Refinance Cash-out - Other Primary 7/XX/2006 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400577 21260164 7027 XXX Refinance Cash-out - Other Primary 7/XX/2006 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400577 21260167 2642 XXX Refinance Cash-out - Other Primary 7/XX/2006 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2009
96400577 21306664 5010 XXX Refinance Cash-out - Other Primary 7/XX/2006 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 7/XX/2009
96400004 21250614 2798 XXX UTD UTD UTD 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400004 21250901 18330 XXX UTD UTD UTD 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400004 21250904 3934 XXX UTD UTD UTD 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400004 21250927 4967 XXX UTD UTD UTD 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400004 21250954 20780 XXX UTD UTD UTD 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400004 21250955 6579 XXX UTD UTD UTD 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400004 21250956 7028 XXX UTD UTD UTD 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400004 21250957 22051 XXX UTD UTD UTD 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400004 21250958 2645 XXX UTD UTD UTD 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2008
96400004 21250959 3366 XXX UTD UTD UTD 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2008
96400004 21301167 23038 XXX UTD UTD UTD 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400727 21248397 3934 XXX Refinance Cash-out - Other Primary 4/XX/1999 GA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400727 21248409 7027 XXX Refinance Cash-out - Other Primary 4/XX/1999 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400727 21248410 2645 XXX Refinance Cash-out - Other Primary 4/XX/1999 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 4/XX/2002
96400161 21261624 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400161 21263479 5445 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400161 21263480 20780 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400161 21263481 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400161 21263482 2642 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2010
96400161 21263483 5010 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 6/XX/2010
96400574 21257808 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400574 21257809 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400574 21257810 25677 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400574 21257811 28240 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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) 10/XX/2010
96400574 21257813 22050 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 10/XX/2010
96400574 21257814 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2010
96400574 21257853 611 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 10/XX/2010
96400574 21258001 23933 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400426 21279867 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400426 21279895 4924 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400426 21279899 20780 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400426 21279900 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400426 21279901 22051 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400426 21279902 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2010
96400427 21279920 2798 XXX Refinance Rate/Term Primary 6/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400427 21279938 20780 XXX Refinance Rate/Term Primary 6/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400427 21279939 7027 XXX Refinance Rate/Term Primary 6/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400427 21279940 22051 XXX Refinance Rate/Term Primary 6/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400427 21279941 2642 XXX Refinance Rate/Term Primary 6/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2010
96400419 21277624 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400419 21277645 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400419 21277646 25807 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Prepayment Penalty Ohio Prepayment Penalty: Maximum calculated prepay of $5,850.00 exceeds the state maximum of 1% of the original balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law.
96400419 21277648 23495 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2004
96400419 21277649 6302 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2004
96400536 21225339 7027 XXX Purchase Primary 4/XX/2007 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400536 21225341 23495 XXX Purchase Primary 4/XX/2007 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2008
96400536 21225342 6302 XXX Purchase Primary 4/XX/2007 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2008
96400755 21265335 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 1 months prior to consummation. A lookback was performed to determine this application date.
96400755 21265336 25688 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 2/XX/2004
96400755 21265338 6302 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2004
96400416 21273288 2798 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400416 21274988 6568 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400416 21275340 20780 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400416 21275341 7027 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400416 21275342 2642 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2009
96400416 21275343 2644 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2009
96400416 21275344 5010 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 1/XX/2009
96400416 21311462 4924 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400416 21311477 23038 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400558 21232220 2798 XXX Purchase Second Home 2/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400558 21232327 7027 XXX Purchase Second Home 2/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400558 21232328 1268 XXX Purchase Second Home 2/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400558 21232329 25677 XXX Purchase Second Home 2/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400910 21268835 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400910 21269164 6568 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400910 21269244 20780 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400910 21269247 2642 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2008
96400245 21249613 2798 XXX Refinance Rate/Term Primary 1/XX/2007 MT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400245 21250010 6568 XXX Refinance Rate/Term Primary 1/XX/2007 MT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400245 21250084 20780 XXX Refinance Rate/Term Primary 1/XX/2007 MT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400245 21250087 1268 XXX Refinance Rate/Term Primary 1/XX/2007 MT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400245 21250089 2642 XXX Refinance Rate/Term Primary 1/XX/2007 MT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2010
96400245 21299882 7027 XXX Refinance Rate/Term Primary 1/XX/2007 MT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400245 21299883 25677 XXX Refinance Rate/Term Primary 1/XX/2007 MT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400899 21270761 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400899 21273775 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400899 21273776 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400899 21273777 2642 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2007
96400899 21310295 4924 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400886 21267715 7027 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400886 21267716 25686 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 12/XX/2007
96400886 21267717 6302 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2007
96400428 21280055 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400428 21280056 25902 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400761 21280246 5705 XXX Refinance Rate/Term Primary 4/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 3 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.
96400761 21280247 25688 XXX Refinance Rate/Term Primary 4/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 4/XX/2005
96400761 21280248 2642 XXX Refinance Rate/Term Primary 4/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2007
96400650 21251639 1159 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400650 21251640 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400650 21251641 22051 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400650 21251648 6555 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400650 21251660 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400546 21246904 3934 XXX Purchase Primary 10/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400820 21248680 5445 XXX Purchase Primary 6/XX/2005 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400820 21248681 25686 XXX Purchase Primary 6/XX/2005 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 6/XX/2006
96400820 21248682 6302 XXX Purchase Primary 6/XX/2005 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2006
96400706 21226597 20780 XXX Refinance Rate/Term Primary 3/XX/2002 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400706 21226598 6579 XXX Refinance Rate/Term Primary 3/XX/2002 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400706 21226599 7028 XXX Refinance Rate/Term Primary 3/XX/2002 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400405 21225906 1159 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400405 21225907 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400405 21225912 6524 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 3 (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.
96400845 21251644 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400845 21251898 20780 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400845 21251899 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400845 21251900 2641 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate and collection method on the loan. 9/XX/2007
96400845 21251901 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2007
96400981 21252179 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400981 21253013 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400981 21253021 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96400179 21232240 2798 XXX Refinance Cash-out - Other Primary 7/XX/2003 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400179 21232923 7027 XXX Refinance Cash-out - Other Primary 7/XX/2003 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400179 21232924 25677 XXX Refinance Cash-out - Other Primary 7/XX/2003 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400179 21232925 23495 XXX Refinance Cash-out - Other Primary 7/XX/2003 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2004
96400255 21248164 2798 XXX Purchase Primary 8/XX/1999 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400255 21248170 6568 XXX Purchase Primary 8/XX/1999 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400255 21248203 7027 XXX Purchase Primary 8/XX/1999 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400255 21248204 21706 XXX Purchase Primary 8/XX/1999 NY $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 2.00051% exceeds the state maximum of 2%.
96400016 21247920 2798 XXX Refinance Cash-out - Other Investment 1/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400016 21247939 7027 XXX Refinance Cash-out - Other Investment 1/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400615 21230188 2798 XXX UTD UTD UTD 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400615 21230614 4967 XXX UTD UTD UTD 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400615 21230653 3934 XXX UTD UTD UTD 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400615 21230661 18330 XXX UTD UTD UTD 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400615 21230669 23933 XXX UTD UTD UTD 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400615 21230755 20780 XXX UTD UTD UTD 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400615 21230756 6579 XXX UTD UTD UTD 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400615 21230757 7028 XXX UTD UTD UTD 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400615 21230758 2645 XXX UTD UTD UTD 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2009
96400615 21230759 5010 XXX UTD UTD UTD 5/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 5/XX/2009
96400866 21252076 2798 XXX Refinance Cash-out - Other Primary 2/XX/2001 WV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400866 21252739 611 XXX Refinance Cash-out - Other Primary 2/XX/2001 WV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 2/XX/2004
96400866 21252947 7027 XXX Refinance Cash-out - Other Primary 2/XX/2001 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96400866 21252952 29403 XXX Refinance Cash-out - Other Primary 2/XX/2001 WV $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 3 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.
96400866 21252954 22050 XXX Refinance Cash-out - Other Primary 2/XX/2001 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 2/XX/2004
96400521 21228740 25677 XXX Purchase Primary 8/XX/2005 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400521 21228741 25688 XXX Purchase Primary 8/XX/2005 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 8/XX/2006
96400521 21228742 6302 XXX Purchase Primary 8/XX/2005 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2006
96401034 21232875 1267 XXX Purchase Primary 8/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.
96400241 21249161 7027 XXX Refinance Cash-out - Other Primary 2/XX/2004 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400241 21249162 25505 XXX Refinance Cash-out - Other Primary 2/XX/2004 AL $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400181 21234223 7027 XXX Refinance Cash-out - Other Primary 7/XX/2007 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400181 21234224 25685 XXX Refinance Cash-out - Other Primary 7/XX/2007 CT $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400181 21234226 6302 XXX Refinance Cash-out - Other Primary 7/XX/2007 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2008
96400181 21234227 22137 XXX Refinance Cash-out - Other Primary 7/XX/2007 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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
96400157 21229510 5445 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 ME $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400157 21229511 2641 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 ME $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $190.10. Unable to determine under disclosure due to missing Itemization of Amount Financed. 6/XX/2008
96400762 21280376 7027 XXX Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400762 21280377 25686 XXX Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 11/XX/2005
96400762 21280378 6302 XXX Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2005
96400762 21280380 2642 XXX Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2007
96401083 21230490 25685 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CT $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400165 21278585 7027 XXX Refinance Cash-out - Other Primary 9/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400165 21278586 1268 XXX Refinance Cash-out - Other Primary 9/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400165 21278587 25677 XXX Refinance Cash-out - Other Primary 9/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400165 21278588 28241 XXX Refinance Cash-out - Other Primary 9/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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) 8/XX/2009
96400388 21239250 2876 XXX Purchase Second Home 1/XX/2006 PR $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Security Instrument - Subject Lien not provided
96400388 21240018 7027 XXX Purchase Second Home 1/XX/2006 PR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400908 21252583 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400908 21282453 4967 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400908 21282503 5445 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400908 21282504 20780 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400908 21282505 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400908 21282507 1891 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 6/XX/2010
96400908 21282508 22050 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 6/XX/2011
96400908 21282509 2642 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2011
96400908 21282510 3366 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2011
96400414 21241197 7027 XXX Refinance Rate/Term Primary 5/XX/2007 AR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96400084 21229938 6568 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 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
96400084 21229965 5791 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400084 21229968 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400084 21229972 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2010
96400084 21282996 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400084 21282998 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400381 21231900 2876 XXX Refinance Rate/Term Primary 6/XX/1999 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Security Instrument - Subject Lien not provided
96400381 21231904 2798 XXX Refinance Rate/Term Primary 6/XX/1999 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400381 21232330 20780 XXX Refinance Rate/Term Primary 6/XX/1999 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400381 21232331 22137 XXX Refinance Rate/Term Primary 6/XX/1999 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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
96400381 21232332 2642 XXX Refinance Rate/Term Primary 6/XX/1999 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2002
96400381 21284898 2644 XXX Refinance Rate/Term Primary 6/XX/1999 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2002
96400753 21264361 3675 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/1998 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) RTC Error: Right to Cancel expiration date is blank. 6/XX/2001
96400753 21264597 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/1998 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96400753 21264598 25686 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/1998 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 6/XX/1999
96400753 21264599 6302 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/1998 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/1999
96400753 21264600 2647 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/1998 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information. 6/XX/2001
96400394 21247310 5445 XXX Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400394 21247311 7027 XXX Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400394 21247312 25688 XXX Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 7/XX/2008
96400394 21247313 6302 XXX Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2008
96400150 21230616 2798 XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400150 21230839 4924 XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400150 21231140 20780 XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400150 21231141 7027 XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400150 21231142 2642 XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2010
96400150 21231143 5010 XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 7/XX/2010
96400150 21231161 6555 XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400150 21231165 6568 XXX Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400695 21262403 7027 XXX Purchase Primary 12/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400695 21262404 6302 XXX Purchase Primary 12/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2006
96400418 21277262 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400418 21277365 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400418 21277366 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400418 21277369 2642 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2006
96400403 21246574 7027 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400403 21246575 25688 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 8/XX/2008
96400403 21246576 6302 XXX Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2008
96400488 21270989 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400488 21270990 25902 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400488 21270991 2641 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $60.20. TIL itemization did not disclose a courier fee of $60 as prepaid a finance charge 3/XX/2010
96400488 21308282 4924 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96401049 21254856 7027 XXX Refinance Rate/Term Primary 7/XX/2004 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400754 21264051 2798 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400754 21264201 1159 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FNMA Points and Fees  FNMA Points and Fees on subject loan of 5.44294% 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%).
96400754 21264202 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400754 21264203 25686 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 2/XX/2003
96400754 21264204 6302 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2003
96400844 21251171 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400844 21251604 611 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 8/XX/2007
96400844 21251605 613 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 8/XX/2007
96400844 21251659 6568 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400844 21251798 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400844 21251799 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400844 21251801 22050 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 8/XX/2007
96400844 21251802 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2007
96400844 21251803 5010 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 8/XX/2007
96400380 21232603 25158 XXX Refinance Cash-out - Other Primary 4/XX/2009 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400017 21225038 2798 XXX Refinance Cash-out - Other Primary 6/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400017 21225060 7027 XXX Refinance Cash-out - Other Primary 6/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400017 21225061 25806 XXX Refinance Cash-out - Other Primary 6/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)
96400397 21230293 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400397 21230294 2336 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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/XX/2012
96400397 21230295 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2009
96400935 21252735 2798 XXX UTD UTD Primary 9/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400935 21252903 20780 XXX UTD UTD Primary 9/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400935 21252904 6579 XXX UTD UTD Primary 9/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400935 21252905 7028 XXX UTD UTD Primary 9/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400935 21252907 23038 XXX UTD UTD Primary 9/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400935 21252908 2645 XXX UTD UTD Primary 9/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 9/XX/2008
96400935 21252909 3366 XXX UTD UTD Primary 9/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 9/XX/2008
96400935 21252917 6555 XXX UTD UTD Primary 9/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400935 21252918 4967 XXX UTD UTD Primary 9/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400935 21252943 3934 XXX UTD UTD Primary 9/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400756 21263755 1159 XXX Refinance Rate/Term Primary 3/XX/2004 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400756 21263756 7027 XXX Refinance Rate/Term Primary 3/XX/2004 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400756 21263757 25902 XXX Refinance Rate/Term Primary 3/XX/2004 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400882 21251402 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400882 21251865 20780 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400882 21251866 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400882 21251867 22050 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2007
96400882 21251868 2642 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2007
96400882 21251869 3366 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 4/XX/2007
96400633 21248329 2798 XXX Refinance Rate/Term Primary 3/XX/1998 WA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400633 21249639 20780 XXX Refinance Rate/Term Primary 3/XX/1998 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400633 21249640 2642 XXX Refinance Rate/Term Primary 3/XX/1998 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2001
96400524 21229186 2641 XXX Purchase Primary 12/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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. 12/XX/2007
96400835 21249474 7027 XXX Refinance Rate/Term Primary 11/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400835 21249475 25805 XXX Refinance Rate/Term Primary 11/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400256 21248129 3934 XXX Purchase Primary 6/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400256 21248140 7027 XXX Purchase Primary 6/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96400256 21248141 25686 XXX Purchase Primary 6/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 6/XX/2001
96400256 21248142 6302 XXX Purchase Primary 6/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2001
96400256 21248143 2641 XXX Purchase Primary 6/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $1,128.88. Unable to determine index utilized by Lender. The lowest index available in the lookback period is 6.970%. 6/XX/2001
96400256 21298014 6568 XXX Purchase Primary 6/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400077 21225066 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2001 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400077 21225105 1159 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2001 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400077 21225106 20780 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2001 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400077 21225107 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2001 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400077 21225108 2642 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2001 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2004
96400411 21229904 2798 XXX Refinance Cash-out - Other Primary 7/XX/2005 DE $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400411 21230240 7027 XXX Refinance Cash-out - Other Primary 7/XX/2005 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400411 21230241 2642 XXX Refinance Cash-out - Other Primary 7/XX/2005 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96400411 21230242 2644 XXX Refinance Cash-out - Other Primary 7/XX/2005 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96400404 21247960 2798 XXX Refinance Rate/Term Primary 8/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400404 21247999 7027 XXX Refinance Rate/Term Primary 8/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400404 21248000 23495 XXX Refinance Rate/Term Primary 8/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2007
96400404 21248001 2641 XXX Refinance Rate/Term Primary 8/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $9,108.78. Under disclosure is due to the lender utilizing an index value of 5.32% per the Final TIL, however the closest index available in the look-back period is 5.51%. 8/XX/2009
96400528 21231707 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400528 21232247 3934 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400528 21232264 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400528 21232265 2641 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $74.96. Unable to determine under disclosure due to missing itemization of amount financed. 12/XX/2010
96400528 21232266 2645 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2010
96400830 21227871 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400830 21227872 1268 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400830 21227873 25677 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400830 21227874 23495 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2007
96400830 21227875 23494 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2007
96400610 21259183 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400610 21260325 611 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 9/XX/2008
96400610 21260345 613 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 9/XX/2008
96400610 21260472 6568 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400610 21260668 20780 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400610 21260673 22050 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2008
96400610 21260674 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2008
96401078 21229121 2798 XXX Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401078 21229741 5445 XXX Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401078 21282981 7027 XXX Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400250 21280424 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400250 21280534 1159 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400250 21280535 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400250 21280536 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400250 21280537 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2009
96400250 21280538 5010 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 10/XX/2009
96400250 21280541 6568 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400973 21253304 2798 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400973 21253339 4967 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400973 21253371 6568 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400973 21253376 3934 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400973 21253380 23933 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400973 21253476 20780 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400973 21253477 6579 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400973 21253479 7028 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400973 21253480 23038 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400973 21253481 22271 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
96400973 21253482 2645 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2006
96400973 21253483 3366 XXX Refinance UTD Primary 8/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2006
96401044 21254897 7027 XXX Refinance Rate/Term Primary 1/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401044 21254898 2642 XXX Refinance Rate/Term Primary 1/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2007
96400907 21252094 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400907 21252358 6568 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400907 21252423 1159 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400907 21252425 20780 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400907 21252426 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400907 21252428 2642 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2010
96400907 21252430 5010 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 4/XX/2010
96400907 21303451 4924 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400902 21252079 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400902 21252830 5791 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400902 21252831 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400902 21252833 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400902 21252834 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2009
96400902 21252835 5010 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 10/XX/2009
96400902 21253055 6568 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400382 21248246 25807 XXX Purchase Primary 1/XX/2001 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Prepayment Penalty Ohio Prepayment Penalty: Maximum calculated prepay of $2,887.83 exceeds the state maximum of 1% of the original balance ($XXX).
96400382 21376216 6568 XXX Purchase Primary 1/XX/2001 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401105 21253256 2798 XXX Refinance UTD Primary 1/XX/2002 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401105 21253338 4967 XXX Refinance UTD Primary 1/XX/2002 GA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401105 21253345 3934 XXX Refinance UTD Primary 1/XX/2002 GA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401105 21253392 20780 XXX Refinance UTD Primary 1/XX/2002 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401105 21253393 6579 XXX Refinance UTD Primary 1/XX/2002 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96401105 21253394 7028 XXX Refinance UTD Primary 1/XX/2002 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401105 21253395 2645 XXX Refinance UTD Primary 1/XX/2002 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2005
96401105 21253396 3366 XXX Refinance UTD Primary 1/XX/2002 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2005
96400737 21231562 2798 XXX Refinance UTD Primary 2/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400737 21231802 4967 XXX Refinance UTD Primary 2/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400737 21231803 6568 XXX Refinance UTD Primary 2/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400737 21231809 3934 XXX Refinance UTD Primary 2/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400737 21231873 20780 XXX Refinance UTD Primary 2/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400737 21231875 6579 XXX Refinance UTD Primary 2/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400737 21231876 7028 XXX Refinance UTD Primary 2/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400737 21231877 5334 XXX Refinance UTD Primary 2/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400737 21231878 5681 XXX Refinance UTD Primary 2/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400737 21231879 2645 XXX Refinance UTD Primary 2/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2008
96400737 21231880 3366 XXX Refinance UTD Primary 2/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2008
96400609 21259547 611 XXX Refinance Cash-out - Other Primary 10/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 10/XX/2007
96400609 21259554 613 XXX Refinance Cash-out - Other Primary 10/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 10/XX/2007
96400609 21259606 2798 XXX Refinance Cash-out - Other Primary 10/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400609 21259649 6568 XXX Refinance Cash-out - Other Primary 10/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400609 21260116 20780 XXX Refinance Cash-out - Other Primary 10/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400609 21260118 7027 XXX Refinance Cash-out - Other Primary 10/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400609 21260119 22050 XXX Refinance Cash-out - Other Primary 10/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 10/XX/2007
96400609 21260120 2642 XXX Refinance Cash-out - Other Primary 10/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2007
96400609 21260122 5010 XXX Refinance Cash-out - Other Primary 10/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 10/XX/2007
96400609 21307306 4924 XXX Refinance Cash-out - Other Primary 10/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400554 21228859 2798 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400554 21228958 4967 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400554 21228969 3934 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400554 21229003 23933 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400554 21229011 20780 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400554 21229012 6579 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400554 21229013 7028 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400554 21229014 25805 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Prepayment Penalty Test Maryland Prepayment Penalty: Maximum calculated prepay of $6,497.70 exceeds the state maximum of 2 months interest calculated on 2/3 of the original balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law.
96400554 21229015 25686 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 2/XX/2006
96400554 21229016 6302 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2006
96400554 21229017 2645 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2008
96400554 21229018 3366 XXX Refinance UTD Primary 2/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2008
96400148 21248144 1159 XXX Refinance Rate/Term Primary 2/XX/2001 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400148 21248145 7027 XXX Refinance Rate/Term Primary 2/XX/2001 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400616 21230402 2798 XXX Refinance UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400616 21230920 20780 XXX Refinance UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400616 21230922 6579 XXX Refinance UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400616 21230924 7028 XXX Refinance UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400616 21230926 25685 XXX Refinance UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Connecticut Prepayment Penalty Test Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.
96400616 21230927 2645 XXX Refinance UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 9/XX/2008
96400616 21231040 4967 XXX Refinance UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400616 21231110 3934 XXX Refinance UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400616 21376233 3366 XXX Refinance UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 9/XX/2008
96400163 21278471 7027 XXX Refinance Rate/Term Primary 4/XX/2005 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400163 21278472 23495 XXX Refinance Rate/Term Primary 4/XX/2005 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2006
96400163 21278473 6302 XXX Refinance Rate/Term Primary 4/XX/2005 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2006
96400930 21252997 2798 XXX Refinance Rate/Term Primary 1/XX/2008 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400930 21253101 6568 XXX Refinance Rate/Term Primary 1/XX/2008 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400930 21253120 25158 XXX Refinance Rate/Term Primary 1/XX/2008 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400930 21253122 20780 XXX Refinance Rate/Term Primary 1/XX/2008 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400930 21253123 7027 XXX Refinance Rate/Term Primary 1/XX/2008 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400930 21253124 2642 XXX Refinance Rate/Term Primary 1/XX/2008 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2011
96400930 21303608 4924 XXX Refinance Rate/Term Primary 1/XX/2008 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400857 21252503 7027 XXX Refinance Cash-out - Other Primary 5/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400857 21252504 24490 XXX Refinance Cash-out - Other Primary 5/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400857 21252506 22137 XXX Refinance Cash-out - Other Primary 5/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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
96400858 21252315 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400858 21252328 6568 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400858 21252418 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400858 21252419 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400858 21252420 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2010
96400858 21252421 5010 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 1/XX/2010
96400858 21302843 4924 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400746 21268419 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400746 21269396 6568 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400746 21269695 5445 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400746 21269696 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400746 21269697 22050 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 6/XX/2008
96400746 21269698 3366 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2008
96400299 21240372 6555 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400299 21240413 5791 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400299 21240415 7027 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400299 21240416 25573 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400299 21240417 23495 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2007
96400299 21240418 6302 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2007
96400299 21240419 2641 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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% 12/XX/2009
96400970 21253509 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 IA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400970 21253612 20780 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 IA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400970 21253613 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 IA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400970 21253614 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 IA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2008
96401073 21228444 1159 XXX Refinance Cash-out - Other Primary 2/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96401073 21228446 2647 XXX Refinance Cash-out - Other Primary 2/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2007
96401073 21228449 3934 XXX Refinance Cash-out - Other Primary 2/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400166 21279391 2798 XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400166 21279437 1159 XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400166 21279438 20780 XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400166 21279439 7027 XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400166 21279440 1268 XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400166 21279441 25677 XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400166 21279442 22051 XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400166 21279444 2642 XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2009
96400166 21279445 5010 XXX Refinance Cash-out - Other Primary 4/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 4/XX/2009
96400373 21232581 1159 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400373 21232582 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400373 21232583 25677 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400373 21232584 25899 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400373 21232585 25688 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 1/XX/2002
96400373 21232586 6302 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2002
96400726 21248422 3934 XXX Purchase Primary 7/XX/1998 GA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400726 21248435 25686 XXX Purchase Primary 7/XX/1998 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 7/XX/1999
96400726 21248436 6302 XXX Purchase Primary 7/XX/1998 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/1999
96400726 21248437 2641 XXX Purchase Primary 7/XX/1998 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $450.31. Unable to determine under disclosure due to missing Itemization of Amount Financed. 7/XX/1999
96400083 21229560 5791 XXX Refinance Rate/Term Primary 5/XX/2006 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400083 21229561 20780 XXX Refinance Rate/Term Primary 5/XX/2006 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400083 21229562 25686 XXX Refinance Rate/Term Primary 5/XX/2006 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 5/XX/2007
96400083 21229563 6302 XXX Refinance Rate/Term Primary 5/XX/2006 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2007
96400083 21229565 2642 XXX Refinance Rate/Term Primary 5/XX/2006 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2009
96400083 21252848 2641 XXX Refinance Rate/Term Primary 5/XX/2006 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $1,085.25. Payment streams do not match the loan amount, interest collection method and other terms of the note. 5/XX/2009
96400372 21226923 2798 XXX Refinance Cash-out - Other Primary 8/XX/2002 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400372 21226926 7027 XXX Refinance Cash-out - Other Primary 8/XX/2002 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 1 months prior to consummation. A lookback was performed to determine this application date.
96400372 21226927 21706 XXX Refinance Cash-out - Other Primary 8/XX/2002 NY $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.
96400372 21226928 25573 XXX Refinance Cash-out - Other Primary 8/XX/2002 NY $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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 7.00000% contracts for a prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.
96401039 21254454 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401039 21255013 1159 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96401039 21255014 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401039 21255015 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401039 21255016 25902 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401039 21255018 22050 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2004
96401039 21255019 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2004
96401039 21255044 611 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 3/XX/2004
96400019 21225076 2798 XXX Refinance Cash-out - Other Primary 10/XX/2001 KY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400019 21225090 1159 XXX Refinance Cash-out - Other Primary 10/XX/2001 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400019 21225091 7027 XXX Refinance Cash-out - Other Primary 10/XX/2001 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401052 21261419 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96401052 21261421 23495 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2002
96401052 21261422 23494 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2002
96400738 21264476 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400738 21267479 5445 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400738 21267480 25158 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400738 21267481 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400738 21267482 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400738 21267483 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2010
96400515 21277963 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OK $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400515 21278147 611 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OK $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 3/XX/2007
96400515 21278172 613 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OK $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 3/XX/2007
96400515 21278433 1159 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400515 21278434 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400515 21278435 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400515 21278436 22050 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2007
96400515 21278437 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2007
96400515 21278439 5010 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 3/XX/2007
96400515 21311495 28240 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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) 3/XX/2007
96400412 21230740 2798 XXX Refinance UTD Primary 7/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400412 21231038 4967 XXX Refinance UTD Primary 7/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400412 21231062 3934 XXX Refinance UTD Primary 7/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400412 21231371 20780 XXX Refinance UTD Primary 7/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400412 21231372 6579 XXX Refinance UTD Primary 7/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400412 21231373 7028 XXX Refinance UTD Primary 7/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400412 21231374 5334 XXX Refinance UTD Primary 7/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400412 21231375 5681 XXX Refinance UTD Primary 7/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400412 21231376 2645 XXX Refinance UTD Primary 7/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2008
96400412 21231377 3366 XXX Refinance UTD Primary 7/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2008
96400177 21280140 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 WV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400177 21280221 5445 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400177 21280222 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400177 21280223 29403 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 WV $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 3 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.
96400550 21228655 7027 XXX Purchase Second Home 8/XX/1999 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400550 21228656 2641 XXX Purchase Second Home 8/XX/1999 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%.
96400398 21230415 2798 XXX Refinance UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400398 21230637 4967 XXX Refinance UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400398 21230767 6568 XXX Refinance UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400398 21230771 3934 XXX Refinance UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400398 21230784 20780 XXX Refinance UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400398 21230785 6579 XXX Refinance UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400398 21230786 7028 XXX Refinance UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400398 21230787 2645 XXX Refinance UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/2009
96400398 21230788 5010 XXX Refinance UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 10/XX/2009
96400398 21283941 23038 XXX Refinance UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400976 21253210 2798 XXX UTD UTD UTD 3/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400976 21253387 6555 XXX UTD UTD UTD 3/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400976 21253388 4967 XXX UTD UTD UTD 3/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400976 21253390 3934 XXX UTD UTD UTD 3/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400976 21253398 18330 XXX UTD UTD UTD 3/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400976 21253463 20780 XXX UTD UTD UTD 3/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400976 21253464 6579 XXX UTD UTD UTD 3/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400976 21253465 7028 XXX UTD UTD UTD 3/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400976 21253466 2645 XXX UTD UTD UTD 3/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2002
96400976 21253467 3366 XXX UTD UTD UTD 3/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2002
96400090 21231225 3934 XXX Refinance Cash-out - Debt Consolidation Second Home 3/XX/2008 MS $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400090 21231323 5445 XXX Refinance Cash-out - Debt Consolidation Second Home 3/XX/2008 MS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400407 21230476 2798 XXX UTD UTD Primary 8/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400407 21230841 613 XXX UTD UTD Primary 8/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 8/XX/2006
96400407 21230890 4967 XXX UTD UTD Primary 8/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400407 21230973 3934 XXX UTD UTD Primary 8/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400407 21230978 23933 XXX UTD UTD Primary 8/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400407 21230986 20780 XXX UTD UTD Primary 8/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400407 21230987 6579 XXX UTD UTD Primary 8/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400407 21230988 7028 XXX UTD UTD Primary 8/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400407 21230989 22051 XXX UTD UTD Primary 8/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400407 21230990 2645 XXX UTD UTD Primary 8/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2006
96400822 21249104 25158 XXX Purchase Primary 3/XX/2010 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400822 21249106 1274 XXX Purchase Primary 3/XX/2010 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400822 21249108 1285 XXX Purchase Primary 3/XX/2010 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.
96400822 21249109 1294 XXX Purchase Primary 3/XX/2010 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.
96400822 21249110 1325 XXX Purchase Primary 3/XX/2010 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.
96400822 21249111 1271 XXX Purchase Primary 3/XX/2010 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96400822 21249113 3353 XXX Purchase Primary 3/XX/2010 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 3/XX/2011
96400822 21249114 25686 XXX Purchase Primary 3/XX/2010 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 3/XX/2011
96400822 21249222 1323 XXX Purchase Primary 3/XX/2010 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.
96400822 21249281 2641 XXX Purchase Primary 3/XX/2010 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing itemization of amount financed. 3/XX/2011
96400828 21248793 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 WI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400828 21249087 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96400828 21249088 25910 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 WI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Wisconsin Prepayment Penalty Wisconsin Prepayment Penalty: Maximum prepay allowed per state is 60 days interest calculated on 80% of the original loan amount ($XXX). Loan contracts for maximum calculated prepay of $3,360.00, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.
96400904 21252141 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 KY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400904 21253085 1159 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400904 21253086 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400904 21253087 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400904 21253088 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2010
96400904 21253089 5010 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 1/XX/2010
96400739 21267303 3934 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MN $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400739 21267320 5445 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96401085 21250082 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401085 21250327 6568 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401085 21250426 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401085 21250428 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401085 21250430 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2010
96401085 21250433 2644 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2010
96401085 21250435 5010 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 8/XX/2010
96401079 21229390 2798 XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401079 21229678 5791 XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401079 21229679 20780 XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401079 21229680 2642 XXX Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2009
96400654 21240359 3934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400654 21252877 25686 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 11/XX/2007
96400654 21252878 6302 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2007
96400654 21252879 2645 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 11/XX/2009
96400879 21251385 1159 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400879 21251386 25677 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400879 21251387 25898 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400879 21251388 2641 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. TIL itemization did not disclose $25 email fee or $50 payoff statement fee as prepaid finance charges 8/XX/2010
96400836 21299073 25806 XXX Refinance Cash-out - Other Primary 3/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400708 21240024 7027 XXX Refinance Cash-out - Other Primary 1/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400708 21240025 2642 XXX Refinance Cash-out - Other Primary 1/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2007
96400708 21277212 4967 XXX Refinance Cash-out - Other Primary 1/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400818 21248285 2641 XXX Purchase Primary 6/XX/2009 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. TIL Itemization only disclosed origination charges in the amount of $XXX, however, final HUD reflects $XXX. 6/XX/2010
96400710 21227697 2798 XXX Refinance UTD Primary 6/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400710 21228089 5791 XXX Refinance UTD Primary 6/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400710 21228091 20780 XXX Refinance UTD Primary 6/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400710 21277443 2642 XXX Refinance UTD Primary 6/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2008
96400400 21230884 7027 XXX Purchase Primary 9/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400400 21230885 25677 XXX Purchase Primary 9/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400400 21230887 23495 XXX Purchase Primary 9/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2007
96400400 21230888 6302 XXX Purchase Primary 9/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2007
96400240 21240382 7027 XXX Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400240 21240383 25677 XXX Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400823 21248905 25158 XXX Purchase Primary 4/XX/2010 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400823 21248906 1271 XXX Purchase Primary 4/XX/2010 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96400823 21248907 25686 XXX Purchase Primary 4/XX/2010 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 4/XX/2011
96400823 21248908 6302 XXX Purchase Primary 4/XX/2010 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2011
96400378 21228042 2798 XXX Refinance UTD Primary 9/XX/2008 IL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400378 21228064 5791 XXX Refinance UTD Primary 9/XX/2008 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400378 21228065 20171 XXX Refinance UTD Primary 9/XX/2008 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. 9/XX/2011
96400378 21228067 7027 XXX Refinance UTD Primary 9/XX/2008 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401074 21228700 7027 XXX Purchase Primary 12/XX/2007 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400829 21227624 2798 XXX Purchase Primary 5/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400829 21227645 3934 XXX Purchase Primary 5/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400829 21227671 6577 XXX Purchase Primary 5/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400829 21227672 7027 XXX Purchase Primary 5/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400829 21227674 3366 XXX Purchase Primary 5/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2008
96400829 21227683 5445 XXX Purchase Primary 5/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400829 21273812 4967 XXX Purchase Primary 5/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400547 21247531 7027 XXX Purchase Primary 8/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400598 21257928 2798 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400598 21264424 20780 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400598 21264425 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400598 21264428 2642 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2010
96400598 21264430 5010 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 2/XX/2010
96400715 21264883 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400715 21265625 6568 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400715 21266969 5445 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400715 21266970 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400715 21266971 25677 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400715 21266972 25500 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Virginia Prepayment Penalty Virginia Prepayment Penalty: Maximum calculated prepay of $2,126.49 exceeds the state maximum for owner-occupied properties of 2% of the prepaid balance $XXX. Prepay language states prepay will not exceed maximum permitted by applicable law.
96400764 21280425 5445 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400764 21280426 25158 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400764 21280428 21706 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NY $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 New York Late Charge Percent Testing New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.
96400764 21280429 25573 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NY $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400379 21228423 5791 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400379 21228425 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400379 21228429 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2011
96400888 21265602 2798 XXX Purchase Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400888 21265825 7027 XXX Purchase Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400888 21265826 23495 XXX Purchase Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2007
96400888 21265827 6302 XXX Purchase Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2007
96400888 21265847 3934 XXX Purchase Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400897 21267509 2798 XXX Refinance Rate/Term Primary 9/XX/2003 DE $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400897 21268336 7027 XXX Refinance Rate/Term Primary 9/XX/2003 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400897 21268337 1268 XXX Refinance Rate/Term Primary 9/XX/2003 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400897 21268338 25677 XXX Refinance Rate/Term Primary 9/XX/2003 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400897 21268339 28241 XXX Refinance Rate/Term Primary 9/XX/2003 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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) 9/XX/2006
96400900 21268860 2798 XXX Refinance Rate/Term Primary 7/XX/2003 IL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400900 21269255 20780 XXX Refinance Rate/Term Primary 7/XX/2003 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400900 21269257 7027 XXX Refinance Rate/Term Primary 7/XX/2003 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400900 21269258 2642 XXX Refinance Rate/Term Primary 7/XX/2003 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2006
96400421 21277630 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400421 21283835 1159 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400421 21283836 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400421 21283837 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400421 21283839 22050 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2005
96400421 21283841 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2005
96400421 21283842 3365 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 7/XX/2005
96400421 21290810 25807 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Prepayment Penalty Ohio Prepayment Penalty: Maximum calculated prepay of $4,184.51 exceeds the state maximum of 1% of the original balance ($XXX).
96400306 21263851 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400306 21281959 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400306 21281961 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400306 21281964 25677 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400306 21281983 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2010
96400306 21282511 29403 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 3 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.
96400306 21282512 25686 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 1/XX/2008
96400306 21282513 6302 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2008
96400306 21308337 4924 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 WV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400889 21265197 2798 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 KS $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400889 21268247 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 KS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400889 21268248 25491 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 KS $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400675 21255600 23495 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 IA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2005
96400675 21305717 23494 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 IA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2005
96400698 21261924 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400698 21262424 5445 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400698 21262426 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400698 21262427 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400698 21262428 24490 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400698 21262430 2642 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2009
96400698 21307760 4924 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400518 21228351 2798 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400518 21228361 2864 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400518 21228431 20780 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400518 21228432 6579 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400518 21228433 7028 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/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.
96400518 21228434 25686 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 3/XX/2006
96400518 21228435 6302 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2006
96400518 21228436 3366 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2006
96400518 21228437 4967 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400518 21228448 3934 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400518 21228450 18330 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400518 21228474 18330 XXX Purchase UTD 3/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400091 21231361 2641 XXX Purchase Primary 1/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $286.62. TIL Itemization did not disclose $395.00 Attorney Fee as a Prepaid Finance Charge. 1/XX/2007
96400840 21250237 2798 XXX UTD UTD UTD 2/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400840 21250477 6555 XXX UTD UTD UTD 2/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400840 21250478 4967 XXX UTD UTD UTD 2/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400840 21250491 3934 XXX UTD UTD UTD 2/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400840 21250492 18330 XXX UTD UTD UTD 2/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400840 21250509 20780 XXX UTD UTD UTD 2/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400840 21250510 6579 XXX UTD UTD UTD 2/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400840 21250511 7028 XXX UTD UTD UTD 2/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400840 21250513 22051 XXX UTD UTD UTD 2/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400840 21250514 2645 XXX UTD UTD UTD 2/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2007
96400840 21250515 3366 XXX UTD UTD UTD 2/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2007
96400391 21228125 2641 XXX Purchase Primary 1/XX/2005 PR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $890.08. TIL itemization did not disclose an Attorney fee of $875 and a Flood Cert Fee for $15 as prepaid finance charges. 1/XX/2006
96400544 21388856 3829 XXX $XXX Loan Review Complete 07/08/2021 Loan Package Documentation Loan File Compliance open 3 (Missing Doc) Incomplete loan images/file File contains only post-closing documentation.
96400703 21225455 20780 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400703 21225456 6579 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400703 21225457 7028 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400703 21225458 25686 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 10/XX/2007
96400703 21225459 6302 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2007
96400703 21225460 2645 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/2009
96400703 21225461 3366 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 10/XX/2009
96400703 21225464 18330 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400703 21225472 2798 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400703 21267187 4967 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400703 21267193 6568 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400703 21267199 3934 XXX UTD UTD UTD 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401077 21280515 7027 XXX Purchase Primary 12/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401077 21280516 25688 XXX Purchase Primary 12/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 12/XX/2006
96401077 21280517 6306 XXX Purchase Primary 12/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 12/XX/2006
96400932 21253077 2798 XXX Refinance Cash-out - Other Primary 9/XX/2008 OK $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400932 21253364 6568 XXX Refinance Cash-out - Other Primary 9/XX/2008 OK $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400932 21253368 1159 XXX Refinance Cash-out - Other Primary 9/XX/2008 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400932 21253369 7027 XXX Refinance Cash-out - Other Primary 9/XX/2008 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400508 21277213 2798 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400508 21277228 20780 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400508 21277229 7027 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400508 21277230 24490 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400508 21277231 2642 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2008
96400508 21277233 3934 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400508 21310957 4924 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400176 21280029 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400176 21280095 6568 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400176 21280096 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400176 21280097 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400176 21280098 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2009
96400176 21280099 5010 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 7/XX/2009
96400510 21276846 2798 XXX Refinance Cash-out - Other Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400510 21277639 20780 XXX Refinance Cash-out - Other Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400510 21277640 7027 XXX Refinance Cash-out - Other Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400510 21277641 25806 XXX Refinance Cash-out - Other Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400510 21277644 2642 XXX Refinance Cash-out - Other Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2009
96400154 21247930 2798 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400154 21247963 7027 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400154 21247964 25823 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400154 21247965 25688 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 9/XX/2006
96400154 21247966 6306 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 9/XX/2006
96400154 21247967 2641 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 9/XX/2008
96400154 21247968 2647 XXX Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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). 9/XX/2008
96400369 21241475 2798 XXX Refinance UTD UTD 5/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400369 21246586 20643 XXX Refinance UTD UTD 5/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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. High Cost testing is incomplete due to inability to capture illegible fees
96400369 21246587 7027 XXX Refinance UTD UTD 5/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400369 21246590 2645 XXX Refinance UTD UTD 5/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2009
96400369 21246591 3366 XXX Refinance UTD UTD 5/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2009
96400369 21246614 3934 XXX Refinance UTD UTD 5/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400369 21246625 18330 XXX Refinance UTD UTD 5/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400369 21297702 1159 XXX Refinance UTD UTD 5/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400043 21253617 2798 XXX Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400043 21254110 4967 XXX Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400043 21254124 20780 XXX Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400043 21254125 6579 XXX Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400043 21254126 7028 XXX Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400043 21254127 2645 XXX Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 6/XX/2007
96400043 21254295 3934 XXX Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400043 21254344 23933 XXX Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400043 21384031 3366 XXX Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 6/XX/2007
96400564 21256946 3934 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/1999 MD $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400389 21250257 2798 XXX UTD UTD Primary 8/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400389 21250390 4967 XXX UTD UTD Primary 8/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400389 21250405 3934 XXX UTD UTD Primary 8/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400389 21250484 20780 XXX UTD UTD Primary 8/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400389 21250485 6579 XXX UTD UTD Primary 8/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400389 21250486 7028 XXX UTD UTD Primary 8/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400389 21250487 2645 XXX UTD UTD Primary 8/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2008
96400389 21250488 3366 XXX UTD UTD Primary 8/XX/2005 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2008
96400651 21251092 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400651 21251688 4967 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400651 21251714 3934 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400651 21251731 23933 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400651 21251749 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400651 21251750 2336 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 7/XX/2013
96400651 21251751 2645 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2010
96400651 21251752 3366 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2010
96400021 21225164 2798 XXX Refinance UTD Primary 12/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400021 21225231 4967 XXX Refinance UTD Primary 12/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400021 21225232 3934 XXX Refinance UTD Primary 12/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400021 21225233 20780 XXX Refinance UTD Primary 12/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400021 21225234 6579 XXX Refinance UTD Primary 12/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400021 21225235 7028 XXX Refinance UTD Primary 12/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400021 21225236 2645 XXX Refinance UTD Primary 12/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2010
96400021 21225237 3366 XXX Refinance UTD Primary 12/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2010
96401045 21255287 7027 XXX Refinance Rate/Term Primary 3/XX/2004 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401045 21255288 25688 XXX Refinance Rate/Term Primary 3/XX/2004 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 3/XX/2005
96401045 21255289 6306 XXX Refinance Rate/Term Primary 3/XX/2004 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 3/XX/2005
96400855 21252496 2641 XXX Refinance Cash-out - Other Primary 10/XX/2004 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Under disclosure due to index used at approval 1.522%, while index available in look-back is 1.595% 10/XX/2008
96400393 21247080 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400393 21247081 1267 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96400393 21247082 25688 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 3/XX/2008
96400393 21247083 6306 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 3/XX/2008
96400842 21251742 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400842 21251771 6568 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400842 21251786 4967 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400842 21251818 6555 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400842 21251860 1159 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400842 21251861 20780 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400842 21251862 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400842 21251863 2645 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2007
96400526 21227758 4967 XXX Purchase Second Home 1/XX/2011 NY $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400526 21227761 3934 XXX Purchase Second Home 1/XX/2011 NY $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400526 21227762 23933 XXX Purchase Second Home 1/XX/2011 NY $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400526 21227787 7027 XXX Purchase Second Home 1/XX/2011 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96400526 21227788 21688 XXX Purchase Second Home 1/XX/2011 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA (2010) - Balloon Amount Due on Final HUD-1 Inaccurate RESPA (2010): Balloon amount due on Final HUD-1 does not match actual balloon amount.
96400526 21227790 25677 XXX Purchase Second Home 1/XX/2011 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400526 21227791 1271 XXX Purchase Second Home 1/XX/2011 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96400526 21227792 1327 XXX Purchase Second Home 1/XX/2011 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
96400526 21227793 1332 XXX Purchase Second Home 1/XX/2011 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).
96400526 21227794 3353 XXX Purchase Second Home 1/XX/2011 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. 1/XX/2012
96401084 21250616 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401084 21250758 6568 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401084 21251056 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401084 21251057 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401084 21251058 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2010
96401087 21249818 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401087 21250245 6555 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96401087 21250267 1159 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96401087 21250268 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401087 21250269 22051 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401087 21250270 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2010
96400712 21228005 5445 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400712 21228008 5606 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 GA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 3 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.
96400747 21269269 3934 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400747 21269321 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400747 21269322 2645 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2007
96400747 21310527 6576 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 KS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400370 21229365 2798 XXX Purchase UTD 2/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400370 21229708 5445 XXX Purchase UTD 2/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400370 21229709 7027 XXX Purchase UTD 2/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400370 21229710 25686 XXX Purchase UTD 2/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 3/XX/2007
96400370 21229711 6302 XXX Purchase UTD 2/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2007
96400370 21229712 3366 XXX Purchase UTD 2/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2007
96400370 21229718 4967 XXX Purchase UTD 2/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400370 21229721 3934 XXX Purchase UTD 2/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400370 21229723 18330 XXX Purchase UTD 2/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400834 21249008 7027 XXX Purchase Primary 8/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400834 21249009 23495 XXX Purchase Primary 8/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2006
96400834 21249010 6302 XXX Purchase Primary 8/XX/2005 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2006
96400913 21270814 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400913 21271210 22271 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
96401072 21228379 1268 XXX Refinance Rate/Term Primary 11/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401072 21228380 22064 XXX Refinance Rate/Term Primary 11/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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%.
96400915 21274437 2798 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 MO $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400915 21275987 20780 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400915 21275990 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400915 21275993 2642 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 2/XX/2007
96400903 21252041 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400903 21252632 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400903 21252633 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400903 21252634 24490 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400903 21252636 1891 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 11/XX/2009
96400903 21252637 2642 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2010
96400903 21252638 5010 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 11/XX/2010
96400903 21252652 4967 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400236 21228092 7027 XXX Refinance Rate/Term Primary 6/XX/2007 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400251 21280395 2798 XXX Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400251 21280563 613 XXX Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 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. 7/XX/2008
96400251 21280737 20780 XXX Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400251 21280742 22050 XXX Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2008
96400251 21280743 2642 XXX Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96400251 21312514 611 XXX Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 7/XX/2008
96400251 21312580 7027 XXX Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400833 21248863 6568 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400833 21248958 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400833 21248977 5791 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400833 21248978 23495 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2006
96400833 21248979 6302 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2006
96400752 21263273 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400752 21263575 4967 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400752 21263844 5445 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400752 21263845 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400752 21263846 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400752 21263847 22051 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400752 21263850 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2008
96400527 21228878 2798 XXX UTD UTD UTD 12/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400527 21229055 18330 XXX UTD UTD UTD 12/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400527 21229059 3934 XXX UTD UTD UTD 12/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400527 21229071 4967 XXX UTD UTD UTD 12/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400527 21229095 20780 XXX UTD UTD UTD 12/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400527 21229096 6579 XXX UTD UTD UTD 12/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400527 21229097 7028 XXX UTD UTD UTD 12/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400527 21229098 22137 XXX UTD UTD UTD 12/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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
96400527 21229099 2645 XXX UTD UTD UTD 12/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2009
96400527 21229100 3366 XXX UTD UTD UTD 12/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2009
96400375 21247725 20729 XXX Purchase Primary 5/XX/2009 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400375 21247726 2210 XXX Purchase Primary 5/XX/2009 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400375 21247727 2214 XXX Purchase Primary 5/XX/2009 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.
96400493 21231565 2864 XXX Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400493 21231689 5445 XXX Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400493 21231690 2641 XXX Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $624.15. Unable to determine under disclosure due to missing Itemization of Amount Financed. 6/XX/2008
96400659 21227717 2831 XXX Purchase Primary 11/XX/2002 UT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Mortgage Insurance Certificate not provided
96400659 21227781 2641 XXX Purchase Primary 11/XX/2002 UT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Fees are under disclosed $225.54 and fees match the HUD. Unable to verify the reason for the under disclosure due to missing Itemization. 11/XX/2003
96400659 21227797 29149 XXX Purchase Primary 11/XX/2002 UT $XXX Loan Review Complete 06/15/2021 Disclosure Missing Document Credit open 3 FHA Informed Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)
96400605 21258117 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 LA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400605 21259537 6555 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 LA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400605 21260121 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400605 21260123 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400605 21260124 22050 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2006
96400605 21260125 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2006
96400605 21260127 3366 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2006
96400916 21270931 2798 XXX Refinance Cash-out - Other Primary 11/XX/2005 MO $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400916 21272322 611 XXX Refinance Cash-out - Other Primary 11/XX/2005 MO $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 11/XX/2008
96400916 21272325 613 XXX Refinance Cash-out - Other Primary 11/XX/2005 MO $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 11/XX/2008
96400916 21272379 6568 XXX Refinance Cash-out - Other Primary 11/XX/2005 MO $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400916 21272623 20780 XXX Refinance Cash-out - Other Primary 11/XX/2005 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400916 21272624 7027 XXX Refinance Cash-out - Other Primary 11/XX/2005 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400916 21272625 22050 XXX Refinance Cash-out - Other Primary 11/XX/2005 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 11/XX/2008
96400916 21272626 2642 XXX Refinance Cash-out - Other Primary 11/XX/2005 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2008
96400916 21272628 5010 XXX Refinance Cash-out - Other Primary 11/XX/2005 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 11/XX/2008
96400186 21236769 2798 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400186 21238159 25677 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400186 21238160 25688 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 7/XX/2007
96400186 21238161 6306 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2007
96400186 21238162 2641 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 7/XX/2009
96400186 21238165 3365 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 7/XX/2009
96400186 21376070 4924 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400195 21238889 6568 XXX Refinance Rate/Term Primary 3/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400195 21239024 7027 XXX Refinance Rate/Term Primary 3/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400195 21239025 25677 XXX Refinance Rate/Term Primary 3/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400195 21239026 2641 XXX Refinance Rate/Term Primary 3/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $204.41. Unable to determine under disclosure due to Itemization of Amount Financed reflecting prepaid finance charge as a lump sum. 3/XX/2010
96400175 21280027 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400175 21280109 6568 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400175 21280114 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400175 21280115 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400175 21280116 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2009
96400175 21280117 5010 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 8/XX/2009
96400175 21311965 4924 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400543 21227576 20780 XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400543 21227578 1267 XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
96400543 21227579 3366 XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2005
96400543 21227581 3934 XXX Purchase Primary 7/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400635 21248621 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/1999 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400988 21223357 3934 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400988 21223382 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400988 21223383 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2008
96400988 21263655 28240 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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) 10/XX/2008
96400988 21376071 4924 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400499 21232091 1159 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FNMA Points and Fees  FNMA Points and Fees on subject loan of 5.01452% 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%).
96400499 21232092 6302 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2005
96400499 21232161 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400499 21232163 25688 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 11/XX/2005
96400499 21284627 4924 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400860 21252289 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400860 21252409 6568 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400860 21252432 6555 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400860 21252436 613 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 7/XX/2008
96400860 21252663 5445 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400860 21252664 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400860 21252665 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400860 21252666 1973 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400860 21252667 1976 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400860 21252668 6589 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400860 21252672 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96400860 21379168 4924 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400519 21228569 2864 XXX Purchase Primary 7/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400519 21228729 20780 XXX Purchase Primary 7/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400252 21280992 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400252 21280995 1891 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 3/XX/2008
96400252 21280996 25688 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 3/XX/2006
96400252 21280997 6306 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 3/XX/2006
96400252 21312589 5712 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 3 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.
96400507 21270842 2798 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400507 21271750 4967 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400507 21273545 1159 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400507 21273546 20780 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400507 21273547 7027 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400507 21273550 23038 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400507 21273552 1974 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400507 21273553 1977 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400507 21273555 6589 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400507 21273556 22050 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 11/XX/2007
96400507 21273557 2642 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2007
96400507 21273558 3366 XXX Refinance Cash-out - Other Primary 11/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 11/XX/2007
96400183 21234138 2798 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400183 21235510 3934 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400183 21236635 7027 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96400183 21236636 23495 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2006
96400183 21236637 23494 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2006
96400183 21236638 2641 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $87.61. TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects
$XXX.		 7/XX/2008
96400824 21248549 2798 XXX Refinance Rate/Term Primary 12/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400824 21248732 7027 XXX Refinance Rate/Term Primary 12/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400824 21248733 22064 XXX Refinance Rate/Term Primary 12/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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%.
96400931 21252433 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400931 21253141 20780 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400931 21253142 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400931 21253143 2642 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2011
96400063 21250688 1159 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400063 21250689 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400063 21250690 1974 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400063 21250691 1977 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400063 21250692 6589 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400063 21300704 4924 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400244 21249408 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400244 21250609 20780 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400244 21250610 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400244 21250611 2642 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2009
96400244 21250612 5010 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 12/XX/2009
96400487 21264513 2798 XXX Refinance Cash-out - Other Primary 10/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400487 21265052 1159 XXX Refinance Cash-out - Other Primary 10/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96401051 21260974 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401051 21261452 20780 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401051 21261453 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401051 21261454 22051 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401051 21261455 2642 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2006
96400092 21231504 2798 XXX Purchase Primary 12/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400092 21231673 5445 XXX Purchase Primary 12/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400092 21231674 7027 XXX Purchase Primary 12/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400092 21231676 2641 XXX Purchase Primary 12/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $962.20. Unable to determine under disclosure due to missing itemization of amount financed. 12/XX/2007
96400486 21264628 7027 XXX Refinance Rate/Term Primary 8/XX/2006 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400486 21264629 1268 XXX Refinance Rate/Term Primary 8/XX/2006 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400486 21264630 25677 XXX Refinance Rate/Term Primary 8/XX/2006 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400486 21264631 25688 XXX Refinance Rate/Term Primary 8/XX/2006 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 8/XX/2007
96400486 21264632 6306 XXX Refinance Rate/Term Primary 8/XX/2006 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 8/XX/2007
96400964 21227267 7027 XXX Refinance Cash-out - Other Primary 8/XX/2007 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400964 21227268 25677 XXX Refinance Cash-out - Other Primary 8/XX/2007 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400964 21227269 25688 XXX Refinance Cash-out - Other Primary 8/XX/2007 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 7/XX/2008
96400964 21227270 6306 XXX Refinance Cash-out - Other Primary 8/XX/2007 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 7/XX/2008
96401086 21249867 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401086 21250028 4924 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96401086 21250247 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401086 21250248 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401086 21250249 24490 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401086 21250250 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2010
96401086 21250255 6568 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400500 21231061 2798 XXX Refinance UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400500 21231360 4967 XXX Refinance UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400500 21231363 3934 XXX Refinance UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400500 21231364 18330 XXX Refinance UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400500 21231404 20780 XXX Refinance UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400500 21231405 6579 XXX Refinance UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400500 21231406 7028 XXX Refinance UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400500 21231407 23038 XXX Refinance UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400500 21231408 26032 XXX Refinance UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 California Prepayment Penalty California Prepayment Penalty: Maximum prepay allowed is 6 months interest calculated on 80% of the original balance ($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.
96400500 21231409 2645 XXX Refinance UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/2008
96400500 21231410 3366 XXX Refinance UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 10/XX/2008
96400088 21230358 5791 XXX Refinance Cash-out - Other Primary 1/XX/2009 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400088 21230363 20780 XXX Refinance Cash-out - Other Primary 1/XX/2009 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400088 21230374 2641 XXX Refinance Cash-out - Other Primary 1/XX/2009 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Itemization did not disclose the $625 Attorney fee as a prepaid finance charge. 1/XX/2012
96400088 21230375 2642 XXX Refinance Cash-out - Other Primary 1/XX/2009 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2012
96400088 21251609 6568 XXX Refinance Cash-out - Other Primary 1/XX/2009 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400740 21267694 1159 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400740 21267695 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400740 21267696 25505 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Alabama Prepayment Penalty Alabama Prepayment Penalty: A prepayment penalty is not permitted under the Consumer Credit Act.
96400014 21227206 2336 XXX Refinance Rate/Term Primary 4/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 3/XX/2010
96400014 21227207 26133 XXX Refinance Rate/Term Primary 4/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 South Carolina Home Loan (No Tangible Net Benefit) South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. 3/XX/2010
96400014 21227208 25686 XXX Refinance Rate/Term Primary 4/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 4/XX/2005
96400014 21227209 6302 XXX Refinance Rate/Term Primary 4/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2005
96400014 21227210 2645 XXX Refinance Rate/Term Primary 4/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 4/XX/2007
96401089 21251523 2798 XXX Refinance Cash-out - Other Primary 5/XX/2008 LA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401089 21251754 1159 XXX Refinance Cash-out - Other Primary 5/XX/2008 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96401089 21251755 20780 XXX Refinance Cash-out - Other Primary 5/XX/2008 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401089 21251756 7027 XXX Refinance Cash-out - Other Primary 5/XX/2008 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401089 21251758 2642 XXX Refinance Cash-out - Other Primary 5/XX/2008 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2011
96401089 21387866 6555 XXX Refinance Cash-out - Other Primary 5/XX/2008 LA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400963 21262690 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400963 21264239 5445 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400963 21264240 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400963 21264241 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400963 21264243 1891 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 8/XX/2008
96400963 21264244 22050 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 8/XX/2009
96400963 21264246 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2009
96400963 21307849 611 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 8/XX/2009
96400413 21250170 3934 XXX Refinance Cash-out - Other Primary 2/XX/2007 TX $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400413 21250316 1159 XXX Refinance Cash-out - Other Primary 2/XX/2007 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400413 21250318 6336 XXX Refinance Cash-out - Other Primary 2/XX/2007 TX $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 (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.)
96400413 21250320 2642 XXX Refinance Cash-out - Other Primary 2/XX/2007 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2010
96400989 21224187 2798 XXX Purchase Primary 8/XX/2004 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400989 21224193 25686 XXX Purchase Primary 8/XX/2004 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 8/XX/2005
96400989 21224194 6302 XXX Purchase Primary 8/XX/2004 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2005
96401055 21260503 1159 XXX Refinance Cash-out - Other Primary 7/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96401055 21260506 25806 XXX Refinance Cash-out - Other Primary 7/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400384 21240760 2816 XXX Purchase Primary 7/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Case Number Assignment not provided
96400384 21240761 2843 XXX Purchase Primary 7/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: HUD/VA 92900-A not provided
96400384 21240768 29149 XXX Purchase Primary 7/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Disclosure Missing Document Credit open 3 FHA Informed Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)
96400384 21240818 6580 XXX Purchase Primary 7/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400495 21232296 25688 XXX Purchase Primary 1/XX/2005 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 1/XX/2006
96400495 21232544 2641 XXX Purchase Primary 1/XX/2005 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing Itemization of amount financed. 1/XX/2006
96401081 21229952 5791 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 UT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401081 21229953 20780 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 UT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401081 21229954 2642 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 UT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 2/XX/2011
96400655 21226153 2798 XXX Purchase Primary 11/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400655 21226163 1159 XXX Purchase Primary 11/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400655 21226164 1268 XXX Purchase Primary 11/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400655 21226165 25677 XXX Purchase Primary 11/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400655 21226166 25902 XXX Purchase Primary 11/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400655 21226168 6302 XXX Purchase Primary 11/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2004
96400655 21268928 7027 XXX Purchase Primary 11/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400655 21268929 25688 XXX Purchase Primary 11/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 11/XX/2004
96400751 21263201 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400751 21263569 20780 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400751 21263570 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400751 21263572 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2008
96400082 21229590 2798 XXX Refinance Cash-out - Other Investment 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400082 21229725 7027 XXX Refinance Cash-out - Other Investment 7/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400087 21230036 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 AZ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400087 21230318 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401076 21280478 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401076 21280479 1268 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96401076 21280480 25677 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400060 21250144 2798 XXX Purchase Primary 1/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400060 21250261 7027 XXX Purchase Primary 1/XX/2005 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400406 21229898 2798 XXX Refinance Cash-out - Other Investment 12/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400406 21230256 20780 XXX Refinance Cash-out - Other Investment 12/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400758 21264048 7027 XXX Refinance Rate/Term Primary 10/XX/2004 IA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400758 21264049 25725 XXX Refinance Rate/Term Primary 10/XX/2004 IA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400235 21227986 5445 XXX Refinance Cash-out - Other Primary 8/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400235 21227987 20780 XXX Refinance Cash-out - Other Primary 8/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400235 21227988 2642 XXX Refinance Cash-out - Other Primary 8/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2009
96400235 21280477 6568 XXX Refinance Cash-out - Other Primary 8/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400246 21250253 2798 XXX Refinance UTD Primary 8/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400246 21250393 4967 XXX Refinance UTD Primary 8/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400246 21250410 3934 XXX Refinance UTD Primary 8/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400246 21250466 20780 XXX Refinance UTD Primary 8/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400246 21250467 6579 XXX Refinance UTD Primary 8/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400246 21250468 7028 XXX Refinance UTD Primary 8/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400246 21250469 22051 XXX Refinance UTD Primary 8/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400246 21250470 2645 XXX Refinance UTD Primary 8/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2010
96400246 21250471 5010 XXX Refinance UTD Primary 8/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 8/XX/2010
96400707 21226805 2798 XXX Refinance Cash-out - Other Primary 11/XX/2002 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400707 21226814 20780 XXX Refinance Cash-out - Other Primary 11/XX/2002 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400707 21226815 2642 XXX Refinance Cash-out - Other Primary 11/XX/2002 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2005
96400707 21270561 2647 XXX Refinance Cash-out - Other Primary 11/XX/2002 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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). 11/XX/2005
96400707 21270898 7027 XXX Refinance Cash-out - Other Primary 11/XX/2002 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400243 21249211 1159 XXX Refinance Rate/Term Primary 2/XX/2007 ME $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400243 21249212 7027 XXX Refinance Rate/Term Primary 2/XX/2007 ME $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400604 21259778 20780 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400604 21259779 7027 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400604 21259780 22050 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. 5/XX/2005
96400604 21259781 2642 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2005
96400604 21259782 2647 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information. 5/XX/2005
96400604 21259830 611 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 5/XX/2005
96400604 21259835 613 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 5/XX/2005
96400604 21259891 3675 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) RTC Error: Right to Cancel expiration date is blank. 5/XX/2005
96400604 21259897 6568 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400604 21259935 2798 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400604 21307089 4924 XXX Refinance Rate/Term Primary 5/XX/2002 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400967 21249257 2798 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400967 21249796 20780 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400967 21249797 7027 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400967 21249799 22050 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 8/XX/2009
96400967 21249800 2642 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2009
96400967 21249801 3366 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2009
96400967 21249815 4967 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400967 21249825 3934 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400607 21258553 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400607 21260613 1159 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400607 21260614 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400607 21260615 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400607 21260616 1974 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400607 21260617 1977 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400607 21260619 6589 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400607 21260620 22050 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 8/XX/2007
96400607 21260621 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2007
96400607 21307365 611 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 8/XX/2007
96400607 21307368 613 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 8/XX/2007
96400509 21277378 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400509 21277379 22050 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2008
96400509 21277380 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96400509 21310973 613 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 7/XX/2008
96400509 21310978 611 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 7/XX/2008
96400602 21258519 2798 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400602 21258771 6568 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400602 21258819 5445 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400602 21258820 1159 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400602 21258821 20780 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400602 21258822 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400602 21258823 2642 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 2/XX/2012
96400748 21262698 2798 XXX Refinance Cash-out - Other Primary 4/XX/2000 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400748 21263355 20780 XXX Refinance Cash-out - Other Primary 4/XX/2000 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400748 21263360 2165 XXX Refinance Cash-out - Other Primary 4/XX/2000 NC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 North Carolina Home Loan (Impermissible Prepayment Penalty) North Carolina Home Loan: First lien mortgage loan less than $150,000 contains an impermissible prepayment penalty.
96400748 21263361 22064 XXX Refinance Cash-out - Other Primary 4/XX/2000 NC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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%.
96400748 21263362 22050 XXX Refinance Cash-out - Other Primary 4/XX/2000 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2003
96400748 21263363 2642 XXX Refinance Cash-out - Other Primary 4/XX/2000 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2003
96400748 21263364 3365 XXX Refinance Cash-out - Other Primary 4/XX/2000 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 4/XX/2003
96400748 21263406 613 XXX Refinance Cash-out - Other Primary 4/XX/2000 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 4/XX/2003
96400748 21308049 4924 XXX Refinance Cash-out - Other Primary 4/XX/2000 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400038 21253857 2798 XXX Refinance UTD UTD 1/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400038 21254618 20780 XXX Refinance UTD UTD 1/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400038 21254619 6579 XXX Refinance UTD UTD 1/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400038 21254620 7028 XXX Refinance UTD UTD 1/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400038 21254622 25806 XXX Refinance UTD UTD 1/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)
96400038 21254623 2645 XXX Refinance UTD UTD 1/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2003
96400038 21254624 3366 XXX Refinance UTD UTD 1/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2003
96400038 21254659 4967 XXX Refinance UTD UTD 1/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400038 21254708 3934 XXX Refinance UTD UTD 1/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400038 21254709 18330 XXX Refinance UTD UTD 1/XX/2000 OH $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400363 21249271 7027 XXX Purchase Primary 8/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400401 21228790 2798 XXX UTD UTD UTD 12/XX/2004 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400401 21228815 4967 XXX UTD UTD UTD 12/XX/2004 MD $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400401 21228820 3934 XXX UTD UTD UTD 12/XX/2004 MD $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400401 21228823 18330 XXX UTD UTD UTD 12/XX/2004 MD $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400401 21228838 20780 XXX UTD UTD UTD 12/XX/2004 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400401 21228839 6579 XXX UTD UTD UTD 12/XX/2004 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400401 21228840 7028 XXX UTD UTD UTD 12/XX/2004 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400401 21228841 25805 XXX UTD UTD UTD 12/XX/2004 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400401 21228842 2645 XXX UTD UTD UTD 12/XX/2004 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 12/XX/2007
96400401 21228843 3366 XXX UTD UTD UTD 12/XX/2004 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2007
96400401 21282429 23038 XXX UTD UTD UTD 12/XX/2004 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400532 21226708 2798 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400532 21226721 3934 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400532 21226735 20780 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400532 21226736 6579 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400532 21226737 7028 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400532 21226738 25686 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 7/XX/2008
96400532 21226739 6302 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2008
96400532 21226740 2645 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2010
96400532 21226741 3366 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2010
96400532 21270075 4967 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400514 21277894 5445 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400514 21277895 1159 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400514 21277896 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400514 21277897 22050 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2008
96400514 21277898 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2008
96400514 21311269 611 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 OK $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 3/XX/2008
96400514 21311271 613 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 OK $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 3/XX/2008
96400859 21252009 2798 XXX UTD UTD Primary 7/XX/2003 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400859 21252129 4967 XXX UTD UTD Primary 7/XX/2003 MA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400859 21252136 3934 XXX UTD UTD Primary 7/XX/2003 MA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400859 21252231 20780 XXX UTD UTD Primary 7/XX/2003 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400859 21252232 6579 XXX UTD UTD Primary 7/XX/2003 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400859 21252233 7028 XXX UTD UTD Primary 7/XX/2003 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400859 21252234 25815 XXX UTD UTD Primary 7/XX/2003 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400859 21252235 2645 XXX UTD UTD Primary 7/XX/2003 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2007
96400859 21252237 3366 XXX UTD UTD Primary 7/XX/2003 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2007
96400517 21228420 2798 XXX Refinance UTD Primary 3/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400517 21228558 2864 XXX Refinance UTD Primary 3/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400517 21228567 4967 XXX Refinance UTD Primary 3/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400517 21228568 3934 XXX Refinance UTD Primary 3/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400517 21228606 20780 XXX Refinance UTD Primary 3/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400517 21228607 6579 XXX Refinance UTD Primary 3/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400517 21228608 7028 XXX Refinance UTD Primary 3/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/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.
96400517 21228609 25686 XXX Refinance UTD Primary 3/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 3/XX/2006
96400517 21228610 6302 XXX Refinance UTD Primary 3/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2006
96400517 21228611 2645 XXX Refinance UTD Primary 3/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2008
96400517 21228612 3366 XXX Refinance UTD Primary 3/XX/2005 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2008
96400681 21258177 1159 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400599 21258140 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400599 21258145 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2010
96401038 21254353 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401038 21254470 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401038 21254471 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401038 21254472 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2008
96400029 21251887 2798 XXX Refinance Rate/Term Primary 1/XX/2000 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400029 21252074 7027 XXX Refinance Rate/Term Primary 1/XX/2000 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400029 21252075 2645 XXX Refinance Rate/Term Primary 1/XX/2000 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2003
96400061 21250604 7027 XXX Purchase Primary 10/XX/2005 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400061 21250605 25688 XXX Purchase Primary 10/XX/2005 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 10/XX/2006
96400061 21250606 6306 XXX Purchase Primary 10/XX/2005 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 10/XX/2006
96400061 21300655 2641 XXX Purchase Primary 10/XX/2005 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects
$XXX.		 10/XX/2006
96400741 21268113 7027 XXX Purchase Primary 1/XX/2006 AR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400741 21268114 25688 XXX Purchase Primary 1/XX/2006 AR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 1/XX/2007
96400741 21268115 6306 XXX Purchase Primary 1/XX/2006 AR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 1/XX/2007
96400878 21251172 2798 XXX Refinance Cash-out - Debt Consolidation UTD 3/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400878 21251533 2336 XXX Refinance Cash-out - Debt Consolidation UTD 3/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 3/XX/2010
96400878 21251534 25686 XXX Refinance Cash-out - Debt Consolidation UTD 3/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 3/XX/2005
96400878 21251535 6302 XXX Refinance Cash-out - Debt Consolidation UTD 3/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2005
96400878 21251536 2645 XXX Refinance Cash-out - Debt Consolidation UTD 3/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2007
96400878 21251537 3366 XXX Refinance Cash-out - Debt Consolidation UTD 3/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2007
96400878 21251545 4967 XXX Refinance Cash-out - Debt Consolidation UTD 3/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400878 21251553 18330 XXX Refinance Cash-out - Debt Consolidation UTD 3/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400878 21251628 3934 XXX Refinance Cash-out - Debt Consolidation UTD 3/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400878 21301819 7027 XXX Refinance Cash-out - Debt Consolidation UTD 3/XX/2004 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400387 21228279 2798 XXX Refinance Cash-out - Other Primary 12/XX/2005 PR $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400387 21228406 4924 XXX Refinance Cash-out - Other Primary 12/XX/2005 PR $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400147 21240717 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400147 21295896 5010 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 6/XX/2002
96400613 21231423 3934 XXX Refinance Cash-out - Other Primary 8/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400613 21231580 6555 XXX Refinance Cash-out - Other Primary 8/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400613 21231592 5791 XXX Refinance Cash-out - Other Primary 8/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400613 21231593 1159 XXX Refinance Cash-out - Other Primary 8/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400613 21231594 7027 XXX Refinance Cash-out - Other Primary 8/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400613 21231595 23495 XXX Refinance Cash-out - Other Primary 8/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96400613 21231596 23494 XXX Refinance Cash-out - Other Primary 8/XX/2007 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96400555 21231833 7027 XXX Purchase Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400555 21231834 23495 XXX Purchase Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2006
96400237 21228155 5791 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400237 21228157 22107 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400044 21255490 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400044 21255491 24490 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400044 21255492 25688 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 6/XX/2004
96400044 21255493 6306 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 6/XX/2004
96401104 21253118 2798 XXX Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401104 21253523 3934 XXX Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401104 21253524 23933 XXX Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96401104 21253531 4967 XXX Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401104 21253549 2876 XXX Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 3 Missing Document: Security Instrument - Subject Lien not provided
96401104 21253660 20780 XXX Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401104 21253661 6579 XXX Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96401104 21253662 7028 XXX Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401104 21253663 2645 XXX Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2006
96401104 21253664 3366 XXX Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2006
96401043 21254790 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401043 21254791 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401043 21254792 5705 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 3 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.
96401043 21254793 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2007
96400169 21279911 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400169 21279974 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400169 21279975 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400169 21279976 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2006
96400742 21265500 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400742 21267744 6568 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400742 21267842 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400742 21267843 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400742 21267845 22050 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2008
96400742 21267846 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96400742 21267847 3366 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2008
96400047 21256015 3934 XXX Purchase Primary 12/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400534 21240387 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400534 21240533 6568 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400534 21240546 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400534 21240547 25677 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400534 21240548 23495 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2005
96400534 21240549 6302 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2005
96400003 21250589 2798 XXX Refinance Rate/Term Primary 8/XX/1997 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400003 21250777 20780 XXX Refinance Rate/Term Primary 8/XX/1997 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400003 21250778 7027 XXX Refinance Rate/Term Primary 8/XX/1997 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400003 21250779 2645 XXX Refinance Rate/Term Primary 8/XX/1997 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2000
96400003 21250780 3366 XXX Refinance Rate/Term Primary 8/XX/1997 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2000
96400003 21250936 3934 XXX Refinance Rate/Term Primary 8/XX/1997 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400171 21280060 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400171 21280107 2336 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 3/XX/2013
96400171 21311857 4924 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400171 21311953 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400571 21257529 25677 XXX Purchase Primary 6/XX/2006 AR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400757 21263779 2798 XXX Purchase Primary 9/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400757 21264325 7027 XXX Purchase Primary 9/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400757 21264326 25573 XXX Purchase Primary 9/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400757 21264327 25688 XXX Purchase Primary 9/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 9/XX/2005
96400757 21264328 6306 XXX Purchase Primary 9/XX/2004 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 9/XX/2005
96400000 21229026 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400000 21229263 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400000 21229264 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400000 21229265 25497 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400000 21229266 2641 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Unable to determine under disclosure due to missing TIL Itemization of Amount Financed. 11/XX/2003
96400000 21229267 2645 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 11/XX/2003
96400000 21229276 3934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2000 SC $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400159 21229040 2798 XXX Refinance Rate/Term Primary 5/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400159 21229610 7027 XXX Refinance Rate/Term Primary 5/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400159 21229611 5334 XXX Refinance Rate/Term Primary 5/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400159 21229612 5681 XXX Refinance Rate/Term Primary 5/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400159 21282786 20171 XXX Refinance Rate/Term Primary 5/XX/2006 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. 5/XX/2009
96400143 21248705 1159 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FNMA Points and Fees  FNMA Points and Fees on subject loan of 7.64031% 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%).
96400143 21248706 25688 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 12/XX/2005
96400143 21248707 6302 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 12/XX/2005
96400934 21252738 2798 XXX UTD UTD UTD 5/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400934 21252906 4967 XXX UTD UTD UTD 5/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400934 21252919 6568 XXX UTD UTD UTD 5/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400934 21252920 3934 XXX UTD UTD UTD 5/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400934 21252930 18330 XXX UTD UTD UTD 5/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400934 21252984 20780 XXX UTD UTD UTD 5/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400934 21252985 6579 XXX UTD UTD UTD 5/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400934 21252986 7028 XXX UTD UTD UTD 5/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400934 21252987 2645 XXX UTD UTD UTD 5/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2006
96400934 21252989 3366 XXX UTD UTD UTD 5/XX/2003 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2006
96400533 21228999 7027 XXX Refinance Cash-out - Other Primary 7/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400485 21264206 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400696 21259902 2798 XXX Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400696 21262990 6568 XXX Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400696 21263156 20780 XXX Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400696 21263157 7027 XXX Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400696 21263158 2642 XXX Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2009
96400696 21263159 5010 XXX Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 1/XX/2009
96400005 21250987 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400005 21251144 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400005 21251145 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400005 21251147 2645 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/2005
96400005 21251148 3366 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 10/XX/2005
96400005 21251207 4967 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400005 21251225 3934 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400005 21251228 23933 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400164 21278570 1159 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400164 21278571 20780 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400164 21278572 22051 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400164 21278573 22050 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2007
96400164 21278574 2642 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2007
96400164 21311427 611 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 4/XX/2007
96400164 21311428 613 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 4/XX/2007
96400568 21256628 611 XXX Purchase Primary 8/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 8/XX/2008
96400568 21257057 5791 XXX Purchase Primary 8/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400568 21257060 3365 XXX Purchase Primary 8/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 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.		 8/XX/2008
96400064 21250620 28240 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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) 9/XX/2009
96400064 21300798 2864 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MO $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400736 21249591 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400736 21249793 4967 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400736 21249857 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400736 21249858 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400736 21249859 23038 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400736 21249860 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2010
96400736 21249861 5010 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 7/XX/2010
96400304 21248105 2798 XXX Refinance UTD Investment 2/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400304 21248952 23933 XXX Refinance UTD Investment 2/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400304 21248980 4967 XXX Refinance UTD Investment 2/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400304 21249064 5445 XXX Refinance UTD Investment 2/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400304 21249065 20780 XXX Refinance UTD Investment 2/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400304 21249066 6579 XXX Refinance UTD Investment 2/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400304 21249067 7028 XXX Refinance UTD Investment 2/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400238 21227997 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 NE $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400238 21228280 20780 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 NE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400238 21228281 22050 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 NE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2010
96400238 21228282 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 NE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2010
96400238 21228312 611 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 NE $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 9/XX/2010
96400395 21247248 7027 XXX Purchase Second Home 7/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400078 21224986 20780 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400078 21224987 25568 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 MO $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400078 21224988 2642 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2011
96400078 21264315 7027 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400078 21264316 25677 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400301 21239865 7027 XXX Purchase Primary 9/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400145 21248302 3934 XXX Purchase Primary 6/XX/1997 MO $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400145 21248322 7027 XXX Purchase Primary 6/XX/1997 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96400145 21248323 25677 XXX Purchase Primary 6/XX/1997 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400145 21248324 25569 XXX Purchase Primary 6/XX/1997 MO $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Missouri Prepayment Penalty ARM Missouri Prepayment Penalty: A prepayment penalty is not permissible on an adjustable rate loan.
96400145 21248325 23495 XXX Purchase Primary 6/XX/1997 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/1998
96400145 21248326 6302 XXX Purchase Primary 6/XX/1997 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/1998
96401033 21232248 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401033 21232249 25677 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401033 21232250 25573 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401033 21232251 25688 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 8/XX/2006
96401033 21232252 6306 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 8/XX/2006
96400190 21238136 7027 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400634 21248359 2798 XXX Refinance Rate/Term Primary 4/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400634 21248501 7027 XXX Refinance Rate/Term Primary 4/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400634 21248502 25902 XXX Refinance Rate/Term Primary 4/XX/2003 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400001 21248090 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400001 21248091 25688 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 1/XX/2007
96400001 21248092 6306 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 1/XX/2007
96400146 21248433 2798 XXX Purchase UTD 2/XX/1988 OK $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400146 21248440 3934 XXX Purchase UTD 2/XX/1988 OK $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400146 21248441 18330 XXX Purchase UTD 2/XX/1988 OK $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400146 21248448 7027 XXX Purchase UTD 2/XX/1988 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/1988 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96400035 21252174 2798 XXX Refinance UTD UTD 10/XX/2004 HI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400035 21252369 4967 XXX Refinance UTD UTD 10/XX/2004 HI $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400035 21252387 3934 XXX Refinance UTD UTD 10/XX/2004 HI $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400035 21252390 18330 XXX Refinance UTD UTD 10/XX/2004 HI $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400035 21252447 20780 XXX Refinance UTD UTD 10/XX/2004 HI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400035 21252448 6579 XXX Refinance UTD UTD 10/XX/2004 HI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400035 21252449 7028 XXX Refinance UTD UTD 10/XX/2004 HI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400035 21252450 2645 XXX Refinance UTD UTD 10/XX/2004 HI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/2007
96400035 21252451 3366 XXX Refinance UTD UTD 10/XX/2004 HI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 10/XX/2007
96400035 21383227 23038 XXX Refinance UTD UTD 10/XX/2004 HI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400496 21231769 3934 XXX Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400496 21231830 2647 XXX Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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). 4/XX/2007
96400614 21230791 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400614 21231181 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400614 21231182 5010 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 5/XX/2009
96400018 21225069 2798 XXX Purchase Primary 8/XX/2006 AL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400018 21225078 7027 XXX Purchase Primary 8/XX/2006 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400018 21225079 1268 XXX Purchase Primary 8/XX/2006 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400018 21225080 25677 XXX Purchase Primary 8/XX/2006 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400018 21225081 25505 XXX Purchase Primary 8/XX/2006 AL $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400018 21225082 25686 XXX Purchase Primary 8/XX/2006 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 8/XX/2007
96400018 21225083 6302 XXX Purchase Primary 8/XX/2006 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2007
96400298 21240139 2864 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400298 21240300 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400298 21240302 25805 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Prepayment Penalty Test Maryland Prepayment Penalty: Maximum calculated prepay of $24,865.05 exceeds the state maximum of 2 months interest calculated on 2/3 of the original balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law.
96400298 21240303 23495 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2007
96400298 21240304 6302 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2007
96400298 21240305 2641 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $1,374.26. Unable to determine under disclosure due to missing Itemization of Amount Financed. 8/XX/2009
96400611 21230051 4967 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400611 21230087 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400611 21230088 25677 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400611 21230089 2336 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 7/XX/2012
96400611 21230091 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2009
96400714 21264489 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400714 21265647 5445 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400714 21265650 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400714 21265652 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400714 21265653 6302 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2006
96400714 21265655 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96400714 21308389 4924 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400557 21232967 7027 XXX Refinance Rate/Term Primary 1/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400557 21232968 25677 XXX Refinance Rate/Term Primary 1/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400557 21232969 25807 XXX Refinance Rate/Term Primary 1/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400557 21232970 23495 XXX Refinance Rate/Term Primary 1/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2007
96400557 21232971 23494 XXX Refinance Rate/Term Primary 1/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2007
96400529 21247378 1268 XXX Refinance Rate/Term Primary 9/XX/2009 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400529 21247379 25677 XXX Refinance Rate/Term Primary 9/XX/2009 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400529 21247380 1974 XXX Refinance Rate/Term Primary 9/XX/2009 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400529 21247381 1977 XXX Refinance Rate/Term Primary 9/XX/2009 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400529 21247382 6590 XXX Refinance Rate/Term Primary 9/XX/2009 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400972 21253156 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 LA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400972 21253746 6555 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 LA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400972 21253747 611 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 LA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 9/XX/2007
96400972 21253784 1159 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400972 21253787 20780 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400972 21253788 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400972 21253789 22050 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2007
96400972 21253790 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2007
96400153 21230760 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400153 21231105 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400153 21231106 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400153 21231107 25813 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400153 21231108 2645 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2008
96400153 21231109 3366 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2008
96400153 21231166 4967 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400153 21231174 3934 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 NH $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400027 21252762 2798 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400027 21253511 5791 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400027 21253512 20780 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400027 21253513 7027 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400027 21253514 22271 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
96400027 21253515 2642 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2009
96400027 21253516 5010 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 5/XX/2009
96400846 21251729 2864 XXX Refinance Rate/Term Primary 1/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400846 21252085 25677 XXX Refinance Rate/Term Primary 1/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400575 21257893 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400575 21258270 5445 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400575 21258271 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400575 21258272 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400575 21258273 25677 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400575 21258275 20744 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Ability to Repay Not Verified Maryland SB270: Borrower’s ability to repay not verified with reliable documentation.
96400575 21258276 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2011
96400575 21258373 6568 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401069 21280322 2798 XXX Refinance Cash-out - Other Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401069 21280693 6555 XXX Refinance Cash-out - Other Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96401069 21280784 5445 XXX Refinance Cash-out - Other Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
96401069 21280785 1159 XXX Refinance Cash-out - Other Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96401069 21280786 20780 XXX Refinance Cash-out - Other Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401069 21280787 7027 XXX Refinance Cash-out - Other Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401069 21280788 22051 XXX Refinance Cash-out - Other Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401069 21280789 2642 XXX Refinance Cash-out - Other Primary 9/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2008
96400371 21248360 6576 XXX Refinance Rate/Term Primary 8/XX/2008 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400371 21248361 1268 XXX Refinance Rate/Term Primary 8/XX/2008 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400371 21385977 17815 XXX Refinance Rate/Term Primary 8/XX/2008 IN $XXX Loan Review Complete 06/15/2021 Missing Document General Credit open 3 Incomplete Document: Note - Subject Lien is incomplete 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.
96400875 21251409 5440 XXX Purchase Primary 4/XX/2011 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
96400875 21251410 1268 XXX Purchase Primary 4/XX/2011 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400875 21251411 1271 XXX Purchase Primary 4/XX/2011 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96400875 21251418 29149 XXX Purchase Primary 4/XX/2011 FL $XXX Loan Review Complete 06/15/2021 Disclosure Missing Document Credit open 3 FHA Informed Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)
96400531 21240346 1268 XXX Purchase Primary 6/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400531 21240347 25677 XXX Purchase Primary 6/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400302 21240079 2798 XXX Purchase Primary 12/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400302 21240236 7027 XXX Purchase Primary 12/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400302 21240237 25677 XXX Purchase Primary 12/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400158 21229037 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400158 21229379 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400158 21229380 1973 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Unable to test Bill of Rights disclosure due to missing information.
96400158 21229381 1976 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Unable to test Consumer Caution notice due to missing information.
96400158 21229382 6589 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400158 21229383 22050 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 8/XX/2008
96400158 21229384 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96400158 21229385 2644 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96400158 21229388 611 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 8/XX/2008
96400827 21248657 2798 XXX Refinance Rate/Term Primary 9/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400827 21248826 7027 XXX Refinance Rate/Term Primary 9/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400827 21248827 22064 XXX Refinance Rate/Term Primary 9/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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%.
96400884 21266961 5445 XXX Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400884 21266962 20780 XXX Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400884 21266963 7027 XXX Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400884 21266964 2642 XXX Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2010
96400884 21267017 3934 XXX Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400719 21280071 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 WV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400719 21280184 20780 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400719 21280185 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400719 21280186 2642 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 WV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2007
96400612 21230443 5791 XXX Refinance Rate/Term Primary 4/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400612 21230444 20780 XXX Refinance Rate/Term Primary 4/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400612 21230446 2641 XXX Refinance Rate/Term Primary 4/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Under disclosure is due to Daily Simple Interest calculating an additional $35.62 that is added to the final payment. 4/XX/2011
96400612 21230485 2642 XXX Refinance Rate/Term Primary 4/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2011
96400189 21238221 2798 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400189 21238316 6576 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400189 21238317 7027 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400189 21238318 2641 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $15,517.86. Under disclosure is due to lender utilizing an index value of 4.34% per the Approval, however the lowest index value available in the lookback period is 4.49%. 10/XX/2009
96400502 21231466 2798 XXX Purchase Primary 8/XX/2002 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400502 21231522 6568 XXX Purchase Primary 8/XX/2002 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400502 21231524 3934 XXX Purchase Primary 8/XX/2002 NC $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400502 21231708 6555 XXX Purchase Primary 8/XX/2002 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400502 21231719 20780 XXX Purchase Primary 8/XX/2002 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400502 21231722 6579 XXX Purchase Primary 8/XX/2002 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400502 21231724 7028 XXX Purchase Primary 8/XX/2002 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400502 21231726 22064 XXX Purchase Primary 8/XX/2002 NC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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%.
96400502 21231727 3366 XXX Purchase Primary 8/XX/2002 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2003
96400502 21284735 4924 XXX Purchase Primary 8/XX/2002 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400885 21267009 3934 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400885 21267418 5445 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400885 21267419 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400885 21267420 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400885 21267421 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2008
96400885 21378994 4924 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 AZ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400893 21265690 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400893 21265828 6555 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400893 21265843 4967 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400893 21267872 5445 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400893 21267873 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400893 21267874 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400893 21267875 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96400893 21310104 6568 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400652 21251274 2798 XXX Refinance Cash-out - Other Primary 11/XX/2005 CO $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400652 21251643 611 XXX Refinance Cash-out - Other Primary 11/XX/2005 CO $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 11/XX/2008
96400652 21251646 613 XXX Refinance Cash-out - Other Primary 11/XX/2005 CO $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 11/XX/2008
96400652 21251788 20780 XXX Refinance Cash-out - Other Primary 11/XX/2005 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400652 21251789 7027 XXX Refinance Cash-out - Other Primary 11/XX/2005 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400652 21251790 22050 XXX Refinance Cash-out - Other Primary 11/XX/2005 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 11/XX/2008
96400652 21251791 2642 XXX Refinance Cash-out - Other Primary 11/XX/2005 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2008
96400535 21225353 4967 XXX Refinance Rate/Term Primary 5/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400535 21225355 3934 XXX Refinance Rate/Term Primary 5/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400535 21225357 25688 XXX Refinance Rate/Term Primary 5/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 5/XX/2005
96400535 21225358 6302 XXX Refinance Rate/Term Primary 5/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 5/XX/2005
96400535 21225359 2645 XXX Refinance Rate/Term Primary 5/XX/2004 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2007
96400962 21261673 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 KY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400962 21262412 1159 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400962 21262414 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400962 21262415 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400962 21262416 25810 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 KY $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400962 21262417 22050 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 1/XX/2005
96400962 21262418 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2005
96400962 21262435 611 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 KY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 1/XX/2005
96400962 21262438 613 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 KY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 1/XX/2005
96400962 21307840 4924 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 KY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400156 21229289 6568 XXX Refinance Rate/Term Primary 2/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400156 21229299 5445 XXX Refinance Rate/Term Primary 2/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400156 21229300 20780 XXX Refinance Rate/Term Primary 2/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400156 21229301 7027 XXX Refinance Rate/Term Primary 2/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400156 21229302 2642 XXX Refinance Rate/Term Primary 2/XX/2005 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 2/XX/2008
96401047 21254968 7027 XXX Refinance Rate/Term Primary 5/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400142 21226983 20780 XXX Refinance Rate/Term Primary 11/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400142 21226984 2165 XXX Refinance Rate/Term Primary 11/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 North Carolina Home Loan (Impermissible Prepayment Penalty) North Carolina Home Loan: First lien mortgage loan less than $150,000 contains an impermissible prepayment penalty.
96400142 21226985 5705 XXX Refinance Rate/Term Primary 11/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 3 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.
96400142 21226986 2642 XXX Refinance Rate/Term Primary 11/XX/1999 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2002
96400905 21252577 2798 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400905 21252708 6568 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400905 21252740 20780 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400905 21252741 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400905 21252742 2642 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2010
96400905 21252743 5010 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 2/XX/2010
96400383 21240832 2816 XXX Purchase Primary 11/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Case Number Assignment not provided
96400383 21240834 2843 XXX Purchase Primary 11/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: HUD/VA 92900-A not provided
96400383 21240879 6580 XXX Purchase Primary 11/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400383 21240880 7027 XXX Purchase Primary 11/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400383 21240881 6302 XXX Purchase Primary 11/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 11/XX/2006
96400383 21241014 29149 XXX Purchase Primary 11/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Disclosure Missing Document Credit open 3 FHA Informed Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)
96400711 21227757 2798 XXX Refinance Cash-out - Other Primary 9/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400711 21227805 5445 XXX Refinance Cash-out - Other Primary 9/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400012 21247400 5445 XXX Refinance Rate/Term Primary 8/XX/2007 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400012 21247401 7027 XXX Refinance Rate/Term Primary 8/XX/2007 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400162 21261644 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400162 21262606 5445 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400162 21262607 1159 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FNMA Points and Fees  FNMA Points and Fees on subject loan of 5.25315% 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%).
96400162 21262608 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400162 21262609 22051 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401057 21264296 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400632 21225950 2798 XXX Purchase Primary 3/XX/1990 VI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400632 21225968 7027 XXX Purchase Primary 3/XX/1990 VI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400632 21225969 2641 XXX Purchase Primary 3/XX/1990 VI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Fees are under disclosed $452.01 and fees match the HUD. Unable to verify the reason for the under disclosure due to missing Itemization. 3/XX/1991
96400007 21251649 5445 XXX Purchase Primary 3/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400028 21251178 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400028 21251616 1159 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400028 21251617 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400028 21251618 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400028 21251619 25902 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400028 21251621 22050 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. 11/XX/2004
96400028 21251622 2642 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2004
96400028 21302348 611 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 11/XX/2004
96400028 21302350 613 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 11/XX/2004
96400553 21229324 25500 XXX Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Virginia Prepayment Penalty Virginia Prepayment Penalty: Maximum calculated prepay of $6,218.46 exceeds the state maximum for owner-occupied properties of 2% of the prepaid balance $XXX. Prepay language states prepay will not exceed maximum permitted by applicable law.
96400553 21229325 25688 XXX Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 8/XX/2005
96400553 21282220 6306 XXX Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2005
96400759 21280270 7027 XXX Refinance Cash-out - Other Primary 1/XX/2009 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.
96400759 21280272 25677 XXX Refinance Cash-out - Other Primary 1/XX/2009 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400895 21268178 20171 XXX Refinance Cash-out - Other Primary 1/XX/1994 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. 1/XX/1997
96400895 21268179 20172 XXX Refinance Cash-out - Other Primary 1/XX/1994 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. 1/XX/1997
96400895 21268183 20780 XXX Refinance Cash-out - Other Primary 1/XX/1994 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/1994 used as disbursement date for compliance testing.
96400895 21268184 25685 XXX Refinance Cash-out - Other Primary 1/XX/1994 CT $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Connecticut Prepayment Penalty Test Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.
96400895 21310263 2642 XXX Refinance Cash-out - Other Primary 1/XX/1994 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/1994, prior to three (3) business days from transaction date of 01/XX/1994. 1/XX/1997
96400917 21270974 2798 XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400917 21271118 6568 XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400917 21273159 20780 XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400917 21273160 7027 XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400917 21273163 2642 XXX Refinance Rate/Term Primary 9/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2008
96400979 21254448 2798 XXX Refinance UTD UTD 5/XX/2003 NM $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400979 21254474 4967 XXX Refinance UTD UTD 5/XX/2003 NM $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400979 21254499 6568 XXX Refinance UTD UTD 5/XX/2003 NM $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400979 21254500 3934 XXX Refinance UTD UTD 5/XX/2003 NM $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400979 21254503 18330 XXX Refinance UTD UTD 5/XX/2003 NM $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400979 21254634 20780 XXX Refinance UTD UTD 5/XX/2003 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400979 21254635 6579 XXX Refinance UTD UTD 5/XX/2003 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400979 21254636 7028 XXX Refinance UTD UTD 5/XX/2003 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400979 21254637 23038 XXX Refinance UTD UTD 5/XX/2003 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400979 21254638 2645 XXX Refinance UTD UTD 5/XX/2003 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2006
96400979 21254639 3366 XXX Refinance UTD UTD 5/XX/2003 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2006
96400856 21252462 5445 XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400856 21252463 3365 XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 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.		 4/XX/2008
96400856 21252481 611 XXX Purchase Primary 4/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 4/XX/2008
96400513 21277753 2798 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400513 21277790 1159 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400513 21277791 20780 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400513 21277792 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400513 21277793 25806 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)
96400513 21277794 2642 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2009
96400513 21277795 5010 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 2/XX/2009
96400513 21311297 4924 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided
96400541 21227530 3934 XXX Purchase Primary 12/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400541 21227535 20780 XXX Purchase Primary 12/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400541 21227536 6579 XXX Purchase Primary 12/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400541 21227537 7028 XXX Purchase Primary 12/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400541 21227538 3366 XXX Purchase Primary 12/XX/2004 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 12/XX/2005
96400032 21251808 613 XXX Purchase Primary 2/XX/2006 NM $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties TIL appears to be final but not signed nor initialed by borrower. 2/XX/2007
96400032 21251824 5445 XXX Purchase Primary 2/XX/2006 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400032 21251825 25158 XXX Purchase Primary 2/XX/2006 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400032 21251826 7027 XXX Purchase Primary 2/XX/2006 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400032 21251827 1268 XXX Purchase Primary 2/XX/2006 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400032 21251828 25677 XXX Purchase Primary 2/XX/2006 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400032 21251829 3365 XXX Purchase Primary 2/XX/2006 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 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/XX/2007
96400542 21227597 613 XXX Purchase Primary 8/XX/2007 NV $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties TIL appears to be Final, not signed or initialed by Borrower 8/XX/2008
96400542 21227627 5445 XXX Purchase Primary 8/XX/2007 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400542 21227628 25677 XXX Purchase Primary 8/XX/2007 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400542 21272886 3365 XXX Purchase Primary 8/XX/2007 NV $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 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. 8/XX/2008
96400392 21246979 7027 XXX Purchase Primary 3/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400392 21246980 25677 XXX Purchase Primary 3/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400392 21246981 25688 XXX Purchase Primary 3/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 3/XX/2008
96400392 21246982 6302 XXX Purchase Primary 3/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2008
96400366 21228582 7027 XXX Purchase Investment 2/XX/2007 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400366 21228583 26273 XXX Purchase Investment 2/XX/2007 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Alternate Prepayment Penalty SMLA Testing Ohio Prepayment Penalty: Loan prepay term of 36 months exceeds state maximum of 24 months. (applies only to Second Mortgage Loan Act registrants)
96400743 21267400 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400743 21268456 611 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 7/XX/2008
96400743 21268954 5445 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400743 21268955 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400743 21268956 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400743 21268957 22050 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2008
96400743 21268958 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96400865 21252570 2798 XXX Refinance UTD Primary 10/XX/2003 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400865 21252657 20780 XXX Refinance UTD Primary 10/XX/2003 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400865 21252658 6579 XXX Refinance UTD Primary 10/XX/2003 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400865 21252659 7028 XXX Refinance UTD Primary 10/XX/2003 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400865 21252660 2645 XXX Refinance UTD Primary 10/XX/2003 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 10/XX/2006
96400865 21252661 3366 XXX Refinance UTD Primary 10/XX/2003 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 10/XX/2006
96400865 21252722 4967 XXX Refinance UTD Primary 10/XX/2003 NJ $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400865 21252729 6568 XXX Refinance UTD Primary 10/XX/2003 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400865 21252730 3934 XXX Refinance UTD Primary 10/XX/2003 NJ $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400826 21248838 5445 XXX Refinance Cash-out - Other Primary 12/XX/2007 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400826 21248839 7027 XXX Refinance Cash-out - Other Primary 12/XX/2007 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400826 21248840 23495 XXX Refinance Cash-out - Other Primary 12/XX/2007 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2008
96400826 21248841 23494 XXX Refinance Cash-out - Other Primary 12/XX/2007 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2008
96400569 21257106 3934 XXX Purchase Primary 11/XX/2003 TX $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400184 21236665 7027 XXX Refinance Cash-out - Home Improvement Investment 4/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400185 21237655 6306 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2007
96400185 21237656 2641 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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. 5/XX/2009
96400185 21237781 6568 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400025 21250929 2798 XXX Purchase Primary 9/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400025 21251060 3934 XXX Purchase Primary 9/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400025 21251203 7027 XXX Purchase Primary 9/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400025 21251204 3366 XXX Purchase Primary 9/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 9/XX/2004
96400572 21258538 7027 XXX Purchase Primary 9/XX/2006 RI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400551 21229158 7027 XXX Purchase Second Home 11/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401054 21262979 3934 XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401054 21263167 1159 XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96401054 21263168 7027 XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401054 21307525 4924 XXX Refinance Rate/Term Primary 3/XX/2004 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400978 21255401 2798 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400978 21257096 20780 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400978 21257101 22050 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 6/XX/2006
96400978 21257105 2642 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2006
96400978 21304736 613 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 6/XX/2006
96401070 21226617 7027 XXX Refinance Rate/Term Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400573 21257448 2798 XXX Refinance Cash-out - Other Primary 12/XX/2006 IA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400573 21257911 7027 XXX Refinance Cash-out - Other Primary 12/XX/2006 IA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400504 21268949 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400504 21270012 1159 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400504 21270013 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400504 21270014 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400504 21270015 1268 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400504 21270016 25677 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400504 21270019 22050 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 10/XX/2008
96400504 21270021 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2008
96400504 21270022 5010 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 10/XX/2008
96400504 21310483 611 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 10/XX/2008
96400504 21310488 613 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 10/XX/2008
96400505 21268834 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400505 21269412 611 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 8/XX/2009
96400505 21269783 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400505 21269785 1891 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 8/XX/2008
96400505 21269797 22050 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 8/XX/2009
96400505 21311390 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400505 21311391 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2009
96400239 21249666 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400239 21249816 6568 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400239 21249851 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400239 21249852 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400239 21249853 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2009
96400239 21249854 5010 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 7/XX/2009
96400239 21299339 4924 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400649 21251964 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400649 21255042 6568 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400649 21255432 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 0 months prior to consummation. A lookback was performed to determine this application date.
96400649 21255433 5010 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 1/XX/2010
96400656 21226318 2798 XXX Purchase Primary 6/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400656 21226415 1159 XXX Purchase Primary 6/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FNMA Points and Fees  FNMA Points and Fees on subject loan of 5.10831% 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%).
96400656 21226416 7027 XXX Purchase Primary 6/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400656 21226417 25807 XXX Purchase Primary 6/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Prepayment Penalty Ohio Prepayment Penalty: Maximum calculated prepay of $3,213.00 exceeds the state maximum of 1% of the original balance ($XXX).
96400656 21226418 23495 XXX Purchase Primary 6/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2005
96400656 21226419 6302 XXX Purchase Primary 6/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 6/XX/2005
96400410 21230335 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400410 21230442 6568 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400410 21230532 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400410 21230533 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2007
96401041 21254799 7027 XXX Purchase Primary 8/XX/2003 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401041 21254800 25688 XXX Purchase Primary 8/XX/2003 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 8/XX/2004
96401041 21254801 6306 XXX Purchase Primary 8/XX/2003 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 8/XX/2004
96400709 21227765 7027 XXX Refinance Cash-out - Other Primary 5/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400709 21227766 25807 XXX Refinance Cash-out - Other Primary 5/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Prepayment Penalty Ohio Prepayment Penalty: Maximum calculated prepay of $1,800.00 exceeds the state maximum of 1% of the original balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law.
96400912 21269837 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400912 21270699 6568 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400912 21270728 4967 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400912 21271059 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400912 21271060 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400912 21271061 22271 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
96400912 21271062 22050 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2006
96400912 21271063 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2006
96400912 21271064 3366 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2006
96400415 21274203 20780 XXX Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400415 21274204 2642 XXX Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2009
96400717 21280086 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400717 21280254 1159 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400717 21280255 20780 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400717 21280256 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400717 21280257 2642 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2007
96400881 21251577 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 UT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400881 21251689 1159 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 UT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400881 21251690 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 UT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400881 21251692 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 UT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400881 21251693 22050 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 UT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. 1/XX/2005
96400881 21251694 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 UT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2005
96400881 21251727 611 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 UT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 1/XX/2005
96400881 21251781 6568 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 UT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400482 21241060 2798 XXX Refinance Rate/Term Primary 6/XX/1993 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400482 21241201 22050 XXX Refinance Rate/Term Primary 6/XX/1993 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 5/XX/1996
96400482 21241202 3366 XXX Refinance Rate/Term Primary 6/XX/1993 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/1996
96400906 21253111 2798 XXX Refinance Cash-out - Other Primary 3/XX/2007 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400906 21253255 6568 XXX Refinance Cash-out - Other Primary 3/XX/2007 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400906 21253566 20780 XXX Refinance Cash-out - Other Primary 3/XX/2007 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400906 21253567 7027 XXX Refinance Cash-out - Other Primary 3/XX/2007 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400906 21253569 23495 XXX Refinance Cash-out - Other Primary 3/XX/2007 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2008
96400906 21253570 22050 XXX Refinance Cash-out - Other Primary 3/XX/2007 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2010
96400906 21253571 2642 XXX Refinance Cash-out - Other Primary 3/XX/2007 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2010
96400906 21253572 3366 XXX Refinance Cash-out - Other Primary 3/XX/2007 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2010
96400906 21303436 22271 XXX Refinance Cash-out - Other Primary 3/XX/2007 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
96400073 21258803 3934 XXX Refinance Cash-out - Other Primary 1/XX/2008 SC $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400073 21259082 7027 XXX Refinance Cash-out - Other Primary 1/XX/2008 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400073 21259083 2336 XXX Refinance Cash-out - Other Primary 1/XX/2008 SC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 1/XX/2014
96400539 21227423 2864 XXX Refinance Cash-out - Other Primary 7/XX/2007 IA $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400843 21251103 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400843 21251543 6568 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400843 21251556 20780 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400843 21251558 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400843 21251559 1268 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400843 21251560 25677 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400843 21251561 2642 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2009
96400843 21251562 5010 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 12/XX/2009
96400901 21252352 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400901 21252608 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400901 21252609 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400901 21252610 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2009
96400901 21252611 5010 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 8/XX/2009
96400901 21252616 6568 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 DE $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400367 21228654 3934 XXX Refinance Rate/Term Primary 8/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400367 21228803 25158 XXX Refinance Rate/Term Primary 8/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400367 21228804 7027 XXX Refinance Rate/Term Primary 8/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400367 21228806 2641 XXX Refinance Rate/Term Primary 8/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $219.95. Unable to determine under disclosure due to missing itemization of amount financed. 8/XX/2010
96401102 21252613 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401102 21252964 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401102 21252966 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401102 21252967 20787 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401102 21252968 22214 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 (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.
96401102 21252969 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2010
96400765 21280350 7027 XXX Refinance Cash-out - Debt Consolidation Investment 8/XX/1999 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400933 21254397 7027 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400933 21254398 24490 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400933 21254401 1891 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 10/XX/2011
96400933 21254402 20804 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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
96400933 21254403 6413 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400192 21238769 2798 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400192 21238886 7027 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400192 21292727 25677 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400192 21292728 23495 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2008
96400192 21292778 6568 XXX Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400191 21238141 6568 XXX Purchase Primary 11/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400191 21238254 7027 XXX Purchase Primary 11/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400191 21238255 23495 XXX Purchase Primary 11/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2007
96400191 21238256 2641 XXX Purchase Primary 11/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $7,134.89. Under disclosure is due to the Lender utilizing an index value of 4.897% per the Approval, however the lowest index value available in the lookback period is 4.99667%. 11/XX/2007
96400303 21240617 5445 XXX Purchase Second Home 3/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400303 21240618 7027 XXX Purchase Second Home 3/XX/2008 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400911 21270298 7027 XXX Purchase Primary 1/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400911 21270299 25688 XXX Purchase Primary 1/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 1/XX/2007
96400911 21270300 6306 XXX Purchase Primary 1/XX/2006 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 1/XX/2007
96400188 21238045 2798 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400188 21240754 7027 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400188 21240755 25677 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400188 21240756 2641 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $30,641.19. Under disclosure is due to the lender utilizing an index value of 4.11% per the Approval, however the lowest index value available in the lookback period is 4.34%. 10/XX/2009
96400194 21238967 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400194 21238968 25677 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400194 21238969 23494 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2008
96400194 21238970 2641 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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%. 2/XX/2010
96400193 21238787 5791 XXX Refinance Rate/Term Investment 2/XX/2007 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400193 21238789 7027 XXX Refinance Rate/Term Investment 2/XX/2007 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400193 21238790 1469 XXX Refinance Rate/Term Investment 2/XX/2007 CO $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. 2/XX/2008
96400193 21238819 6555 XXX Refinance Rate/Term Investment 2/XX/2007 CO $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400193 21387708 28247 XXX Refinance Rate/Term Investment 2/XX/2007 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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). 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.
96400869 21239669 5445 XXX Refinance Rate/Term Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400869 21239670 7027 XXX Refinance Rate/Term Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400869 21239671 25688 XXX Refinance Rate/Term Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 6/XX/2007
96400869 21239672 6306 XXX Refinance Rate/Term Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 6/XX/2007
96400503 21231544 2798 XXX UTD UTD UTD 7/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400503 21231636 20780 XXX UTD UTD UTD 7/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400503 21231637 6579 XXX UTD UTD UTD 7/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400503 21231638 7028 XXX UTD UTD UTD 7/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400503 21231639 2645 XXX UTD UTD UTD 7/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2004
96400503 21231641 3366 XXX UTD UTD UTD 7/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2004
96400503 21231660 4967 XXX UTD UTD UTD 7/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400503 21231667 3934 XXX UTD UTD UTD 7/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400503 21231668 18330 XXX UTD UTD UTD 7/XX/2001 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
96400059 21240655 6568 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400059 21240710 25688 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 5/XX/2004
96400059 21240711 6306 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 5/XX/2004
96400059 21240712 22050 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. 5/XX/2006
96400059 21240716 611 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 5/XX/2006
96400374 21247796 7027 XXX Refinance Rate/Term Primary 10/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400374 21247797 1973 XXX Refinance Rate/Term Primary 10/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400374 21247798 1976 XXX Refinance Rate/Term Primary 10/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400374 21247799 6589 XXX Refinance Rate/Term Primary 10/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400374 21247800 25688 XXX Refinance Rate/Term Primary 10/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 10/XX/2004
96400374 21247801 6306 XXX Refinance Rate/Term Primary 10/XX/2003 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 10/XX/2004
96400167 21279846 2798 XXX Refinance Rate/Term Primary 2/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400167 21279862 20780 XXX Refinance Rate/Term Primary 2/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400167 21279863 7027 XXX Refinance Rate/Term Primary 2/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400167 21279864 22051 XXX Refinance Rate/Term Primary 2/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400167 21279865 2642 XXX Refinance Rate/Term Primary 2/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2009
96400013 21247372 5445 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400013 21247373 1159 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FNMA Points and Fees  FNMA Points and Fees on subject loan of 5.91900% 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%).
96400013 21247374 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401053 21261082 7027 XXX Refinance Cash-out - Other Primary 3/XX/2004 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401053 21261083 25568 XXX Refinance Cash-out - Other Primary 3/XX/2004 MO $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Missouri Prepayment Penalty Missouri Prepayment Penalty: Maximum calculated prepay of $4,980.00 exceeds the state maximum of 2% of the prepaid balance ($XXX).
96401053 21261086 6302 XXX Refinance Cash-out - Other Primary 3/XX/2004 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 3/XX/2005
96400678 21255611 7027 XXX Purchase Primary 3/XX/2005 MS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400678 21255612 24415 XXX Purchase Primary 3/XX/2005 MS $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Mississippi Late Charge Percent and Amount Testing > $100,000 Mississippi Late Charge: Note late charge of 5.00000% exceeds state maximum of 4% or $5, whichever is greater.
96400678 21255613 23495 XXX Purchase Primary 3/XX/2005 MS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2006
96400678 21255614 23494 XXX Purchase Primary 3/XX/2005 MS $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2006
96400396 21229495 2798 XXX Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400396 21230247 20780 XXX Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400396 21230251 22050 XXX Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2010
96400396 21230252 2641 XXX Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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. 9/XX/2010
96400396 21230253 2642 XXX Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2010
96400396 21230682 611 XXX Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 9/XX/2010
96400420 21277670 3934 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400420 21277673 1159 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400420 21277674 25806 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)
96400045 21256855 1159 XXX Refinance Rate/Term Primary 4/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400045 21256856 25677 XXX Refinance Rate/Term Primary 4/XX/2005 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400603 21258184 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2000 AL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400603 21260785 1159 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2000 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400603 21260788 1268 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2000 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400603 21260790 22050 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2000 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2003
96400603 21260791 2642 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2000 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2003
96400603 21260925 613 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2000 AL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 4/XX/2003
96400937 21253575 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400937 21254286 5445 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400937 21254287 20780 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400937 21254288 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400937 21254289 22050 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2008
96400937 21254292 2642 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2008
96400937 21254293 5010 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 3/XX/2008
96400937 21254376 613 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 3/XX/2008
96400552 21229251 7027 XXX Purchase Second Home 12/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400254 21241438 2798 XXX Purchase Primary 4/XX/1999 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400254 21241473 4967 XXX Purchase Primary 4/XX/1999 FL $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400254 21241501 3934 XXX Purchase Primary 4/XX/1999 FL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400254 21245621 7027 XXX Purchase Primary 4/XX/1999 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 0 months prior to consummation. A lookback was performed to determine this application date.
96400254 21245623 25686 XXX Purchase Primary 4/XX/1999 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 4/XX/2000
96400254 21245627 6302 XXX Purchase Primary 4/XX/1999 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2000
96400254 21297451 23038 XXX Purchase Primary 4/XX/1999 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400399 21246632 5445 XXX Purchase Second Home 6/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400399 21246633 7027 XXX Purchase Second Home 6/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400247 21250042 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400247 21250665 6555 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400247 21250670 6568 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400247 21250757 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400247 21250759 22271 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Late Charge Grace Period Testing Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
96400247 21250760 20745 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2008 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400390 21249498 2864 XXX Purchase Primary 8/XX/2006 AL $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400390 21249578 7027 XXX Purchase Primary 8/XX/2006 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400390 21249579 23495 XXX Purchase Primary 8/XX/2006 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2007
96400968 21249437 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400968 21250096 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400968 21250106 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2010
96400968 21250107 5010 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 10/XX/2010
96400968 21250183 1891 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 10/XX/2009
96400618 21226954 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400618 21226958 25686 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 2/XX/2008
96400618 21226959 6302 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2008
96400821 21248605 25688 XXX Purchase Primary 10/XX/2005 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 10/XX/2006
96400821 21248606 6302 XXX Purchase Primary 10/XX/2005 WI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2006
96400242 21249454 1159 XXX Refinance Rate/Term Primary 12/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400242 21249456 7027 XXX Refinance Rate/Term Primary 12/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400242 21249457 25677 XXX Refinance Rate/Term Primary 12/XX/2006 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401075 21280454 25686 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 9/XX/2008
96401075 21280455 4929 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2010
96401042 21254545 1268 XXX Purchase Primary 10/XX/2003 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400178 21232434 3934 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 CO $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400178 21286928 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 CO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400187 21237824 6576 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400187 21237827 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400187 21237828 2641 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $7,805.76. 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%. 9/XX/2009
96400187 21237850 2647 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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). 9/XX/2009
96400187 21237933 6568 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400408 21229052 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400408 21229394 3934 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400408 21229651 5445 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400408 21229652 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400408 21229653 25686 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 1/XX/2007
96400408 21282715 6568 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400676 21255479 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 MN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400152 21231000 2798 XXX UTD UTD Primary 5/XX/2005 MN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400152 21231026 4967 XXX UTD UTD Primary 5/XX/2005 MN $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400152 21231031 3934 XXX UTD UTD Primary 5/XX/2005 MN $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400152 21231191 20780 XXX UTD UTD Primary 5/XX/2005 MN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400152 21231192 6579 XXX UTD UTD Primary 5/XX/2005 MN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400152 21231193 7028 XXX UTD UTD Primary 5/XX/2005 MN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400152 21231195 2645 XXX UTD UTD Primary 5/XX/2005 MN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 5/XX/2008
96400152 21231196 3366 XXX UTD UTD Primary 5/XX/2005 MN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 5/XX/2008
96400657 21227910 6576 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400657 21227911 7027 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400657 21227912 23495 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2005
96400657 21227913 6302 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 10/XX/2005
96400657 21227914 6419 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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. 10/XX/2005
96400657 21227915 2641 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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. 10/XX/2005
96400020 21225147 2798 XXX Refinance Cash-out - Other Primary 2/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400020 21225167 1159 XXX Refinance Cash-out - Other Primary 2/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400020 21225168 7027 XXX Refinance Cash-out - Other Primary 2/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400658 21226433 2798 XXX Purchase Primary 1/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400658 21226479 7027 XXX Purchase Primary 1/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400658 21226480 25902 XXX Purchase Primary 1/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400658 21226481 23495 XXX Purchase Primary 1/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2006
96400658 21226482 6302 XXX Purchase Primary 1/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2006
96400658 21269050 4924 XXX Purchase Primary 1/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400516 21228642 3934 XXX Purchase Primary 1/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400516 21228645 5791 XXX Purchase Primary 1/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400516 21228646 6302 XXX Purchase Primary 1/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1/XX/2007
96400653 21251223 2798 XXX Refinance Cash-out - Other Primary 3/XX/1998 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400653 21251295 613 XXX Refinance Cash-out - Other Primary 3/XX/1998 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 3/XX/2001
96400653 21251374 20780 XXX Refinance Cash-out - Other Primary 3/XX/1998 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400653 21251375 7027 XXX Refinance Cash-out - Other Primary 3/XX/1998 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400653 21251376 2642 XXX Refinance Cash-out - Other Primary 3/XX/1998 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2001
96400653 21302344 22050 XXX Refinance Cash-out - Other Primary 3/XX/1998 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 3/XX/2001
96400548 21248415 2798 XXX Purchase Primary 4/XX/2006 IL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400548 21248449 25686 XXX Purchase Primary 4/XX/2006 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 4/XX/2007
96400548 21248450 6302 XXX Purchase Primary 4/XX/2006 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2007
96400248 21250228 2798 XXX Refinance UTD Primary 9/XX/2002 AL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400248 21250463 4967 XXX Refinance UTD Primary 9/XX/2002 AL $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400248 21250475 3934 XXX Refinance UTD Primary 9/XX/2002 AL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400248 21250494 20780 XXX Refinance UTD Primary 9/XX/2002 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400248 21250495 6579 XXX Refinance UTD Primary 9/XX/2002 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400248 21250496 7028 XXX Refinance UTD Primary 9/XX/2002 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400248 21250497 2645 XXX Refinance UTD Primary 9/XX/2002 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 9/XX/2005
96400248 21250498 3366 XXX Refinance UTD Primary 9/XX/2002 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 9/XX/2005
96400248 21300886 23038 XXX Refinance UTD Primary 9/XX/2002 AL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400538 21239784 5445 XXX Purchase Primary 10/XX/2007 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400566 21255632 2798 XXX Refinance Cash-out - Other Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400566 21257008 611 XXX Refinance Cash-out - Other Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 9/XX/2007
96400566 21257036 6555 XXX Refinance Cash-out - Other Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400566 21257054 6568 XXX Refinance Cash-out - Other Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400566 21257143 20780 XXX Refinance Cash-out - Other Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400566 21257144 7027 XXX Refinance Cash-out - Other Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400566 21257145 6302 XXX Refinance Cash-out - Other Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 9/XX/2005
96400566 21257146 28240 XXX Refinance Cash-out - Other Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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) 9/XX/2007
96400566 21257147 22050 XXX Refinance Cash-out - Other Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 9/XX/2007
96400566 21257150 2642 XXX Refinance Cash-out - Other Primary 9/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2007
96400825 21248785 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400825 21248786 25568 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MO $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Missouri Prepayment Penalty Missouri Prepayment Penalty: Maximum calculated prepay of $5,100.00 exceeds the state maximum of 2% of the prepaid balance ($XXX).
96401082 21230009 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401082 21230010 25677 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401082 21230011 25902 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96401082 21283346 2864 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400173 21280017 2798 XXX Refinance Rate/Term Primary 1/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400173 21280069 20780 XXX Refinance Rate/Term Primary 1/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400173 21280070 2642 XXX Refinance Rate/Term Primary 1/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2006
96400173 21280072 4967 XXX Refinance Rate/Term Primary 1/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400173 21312078 7027 XXX Refinance Rate/Term Primary 1/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400173 21312079 22050 XXX Refinance Rate/Term Primary 1/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 1/XX/2006
96400173 21312085 611 XXX Refinance Rate/Term Primary 1/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 1/XX/2006
96400173 21312088 613 XXX Refinance Rate/Term Primary 1/XX/2003 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 1/XX/2006
96400006 21250840 2816 XXX Purchase Primary 6/XX/1998 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Case Number Assignment not provided
96400006 21250841 2831 XXX Purchase Primary 6/XX/1998 NJ $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Mortgage Insurance Certificate not provided
96400006 21250926 29149 XXX Purchase Primary 6/XX/1998 NJ $XXX Loan Review Complete 06/15/2021 Disclosure Missing Document Credit open 3 FHA Informed Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)
96400006 21250975 6580 XXX Purchase Primary 6/XX/1998 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400006 21250977 2641 XXX Purchase Primary 6/XX/1998 NJ $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 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. 6/XX/1999
96400024 21251271 611 XXX Purchase Primary 2/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 2/XX/2008
96400024 21251360 7027 XXX Purchase Primary 2/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400024 21251361 25677 XXX Purchase Primary 2/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400024 21251362 3365 XXX Purchase Primary 2/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 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. 2/XX/2008
96400385 21241190 2864 XXX Purchase Primary 4/XX/2009 FL $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400385 21248709 2641 XXX Purchase Primary 4/XX/2009 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $100.88. Underdisclosed due to lender TIL shows incorrect MI payment stream. 4/XX/2010
96400010 21249986 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400010 21250091 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400010 21250092 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400010 21250093 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2010
96400010 21250094 5010 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 1/XX/2010
96400010 21250117 6555 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400975 21253174 2798 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 MO $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400975 21253175 2864 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 MO $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400975 21254165 1159 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400975 21254166 20780 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400975 21254167 7027 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400975 21254168 2642 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 MO $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 2/XX/2005
96400022 21225345 20780 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400022 21225346 7027 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400022 21225347 25677 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400022 21225348 25685 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CT $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Connecticut Prepayment Penalty Test Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.
96400022 21225349 22050 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 12/XX/2007
96400022 21225350 2642 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CT $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2007
96400022 21225360 2798 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400022 21264893 611 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 12/XX/2007
96400022 21265192 6568 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CT $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400522 21247653 1159 XXX Purchase Primary 7/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FNMA Points and Fees  FNMA Points and Fees on subject loan of 5.86167% 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%).
96400522 21247654 25688 XXX Purchase Primary 7/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 7/XX/2007
96400522 21247655 6306 XXX Purchase Primary 7/XX/2006 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2007
96400530 21227992 7027 XXX Purchase Primary 6/XX/2006 VI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400530 21227993 2641 XXX Purchase Primary 6/XX/2006 VI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $749.65. Fees are under disclosed $749.65 and fees match the HUD. Unable to verify the reason for the under disclosure due to missing Itemization. 6/XX/2007
96400699 21262612 2798 XXX Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400699 21263333 20780 XXX Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400699 21263334 7027 XXX Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400699 21263335 22051 XXX Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400699 21263336 2642 XXX Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2010
96400704 21225476 2798 XXX UTD UTD Primary 1/XX/1999 WA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400704 21225490 3934 XXX UTD UTD Primary 1/XX/1999 WA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400704 21225491 4967 XXX UTD UTD Primary 1/XX/1999 WA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400704 21225495 20780 XXX UTD UTD Primary 1/XX/1999 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400704 21225496 6579 XXX UTD UTD Primary 1/XX/1999 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400704 21225497 7028 XXX UTD UTD Primary 1/XX/1999 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400704 21225498 2645 XXX UTD UTD Primary 1/XX/1999 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 1/XX/2002
96400704 21225499 3366 XXX UTD UTD Primary 1/XX/1999 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 1/XX/2002
96400704 21267749 23038 XXX UTD UTD Primary 1/XX/1999 WA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400039 21280510 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400039 21280592 6568 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400039 21280600 23933 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400039 21280611 1159 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400039 21280612 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400039 21280613 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400039 21280614 28240 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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) 7/XX/2010
96400039 21280615 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2010
96400039 21280616 5010 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 OK $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 7/XX/2010
96400570 21256817 25158 XXX Refinance Rate/Term Primary 9/XX/2010 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400570 21256819 1274 XXX Refinance Rate/Term Primary 9/XX/2010 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400570 21256821 1325 XXX Refinance Rate/Term Primary 9/XX/2010 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA (2010) – Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.
96400570 21256822 25677 XXX Refinance Rate/Term Primary 9/XX/2010 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400570 21257498 2641 XXX Refinance Rate/Term Primary 9/XX/2010 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $778.07. Unable to determine cause of under disclosure due to missing itemization of amount financed. 9/XX/2013
96400570 21306547 1277 XXX Refinance Rate/Term Primary 9/XX/2010 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400570 21306548 18362 XXX Refinance Rate/Term Primary 9/XX/2010 VA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400570 21306555 4924 XXX Refinance Rate/Term Primary 9/XX/2010 VA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400819 21248454 25158 XXX Purchase Primary 12/XX/2013 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400819 21248455 6514 XXX Purchase Primary 12/XX/2013 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400819 21248456 5438 XXX Purchase Primary 12/XX/2013 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400819 21248457 5428 XXX Purchase Primary 12/XX/2013 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.
96400819 21248460 1271 XXX Purchase Primary 12/XX/2013 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
96400483 21232168 25688 XXX Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 10/XX/2004
96400483 21232169 6306 XXX Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2004
96400679 21255849 1159 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400679 21255852 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401035 21253781 2798 XXX Refinance Rate/Term Primary 7/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401035 21254320 20780 XXX Refinance Rate/Term Primary 7/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401035 21254321 7027 XXX Refinance Rate/Term Primary 7/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401035 21254322 22050 XXX Refinance Rate/Term Primary 7/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 7/XX/2005
96401035 21254323 2642 XXX Refinance Rate/Term Primary 7/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2005
96401035 21254412 611 XXX Refinance Rate/Term Primary 7/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 7/XX/2005
96401035 21254414 613 XXX Refinance Rate/Term Primary 7/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 7/XX/2005
96401035 21304646 4924 XXX Refinance Rate/Term Primary 7/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400141 21226031 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/1998 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400141 21226032 25677 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/1998 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400141 21226033 25807 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/1998 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400172 21280068 2798 XXX Refinance Rate/Term Primary 7/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400172 21293106 20780 XXX Refinance Rate/Term Primary 7/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400172 21293107 7027 XXX Refinance Rate/Term Primary 7/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400172 21293108 2336 XXX Refinance Rate/Term Primary 7/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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. 7/XX/2012
96400172 21293111 2642 XXX Refinance Rate/Term Primary 7/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2009
96400172 21293112 2647 XXX Refinance Rate/Term Primary 7/XX/2006 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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). 7/XX/2009
96400497 21231480 2798 XXX Refinance Cash-out - Other Primary 8/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400497 21232025 7027 XXX Refinance Cash-out - Other Primary 8/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400497 21232026 25805 XXX Refinance Cash-out - Other Primary 8/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Maryland Prepayment Penalty Test Maryland Prepayment Penalty: Maximum calculated prepay of $4,840.00 exceeds the state maximum of 2 months interest calculated on 2/3 of the original balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law.
96400497 21232027 25688 XXX Refinance Cash-out - Other Primary 8/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 8/XX/2006
96400497 21232028 6302 XXX Refinance Cash-out - Other Primary 8/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 8/XX/2006
96400497 21232029 22050 XXX Refinance Cash-out - Other Primary 8/XX/2005 MD $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. 8/XX/2008
96400036 21253672 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400036 21254284 6568 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400036 21254675 5791 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400036 21254676 20780 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400036 21254677 7027 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400036 21254682 2642 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2009
96400036 21303155 4924 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400036 21303450 6302 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status Unable to determine if loan file contains CHARM Booklet due to missing information. 11/XX/2007
96401106 21253484 2798 XXX UTD UTD Primary 7/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401106 21253900 3934 XXX UTD UTD Primary 7/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401106 21253905 6568 XXX UTD UTD Primary 7/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401106 21253925 4967 XXX UTD UTD Primary 7/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401106 21253927 6555 XXX UTD UTD Primary 7/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96401106 21254075 20780 XXX UTD UTD Primary 7/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401106 21254076 6579 XXX UTD UTD Primary 7/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96401106 21254077 7028 XXX UTD UTD Primary 7/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401106 21254078 2645 XXX UTD UTD Primary 7/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 7/XX/2007
96401106 21254079 3366 XXX UTD UTD Primary 7/XX/2004 IN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2007
96400705 21225930 2798 XXX Refinance Rate/Term Investment 6/XX/2000 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400705 21268268 4924 XXX Refinance Rate/Term Investment 6/XX/2000 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400563 21255350 2798 XXX Refinance Cash-out - Other Primary 6/XX/2006 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400680 21256726 25677 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400040 21280801 25902 XXX Refinance Cash-out - Other Primary 5/XX/2007 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400880 21251854 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400880 21252035 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400880 21252038 6302 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 4/XX/2004
96400880 21252039 2645 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 4/XX/2006
96400880 21252040 3366 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 4/XX/2006
96400880 21252043 4967 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400880 21252047 3934 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 FL $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400026 21251316 5445 XXX Purchase Primary 5/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400026 21251317 1268 XXX Purchase Primary 5/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400026 21301526 3365 XXX Purchase Primary 5/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed nor dated by borrower so cannot confirm that borrower received. 5/XX/2008
96400026 21301529 611 XXX Purchase Primary 5/XX/2007 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 5/XX/2008
96400011 21247236 5445 XXX Refinance UTD Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400011 21247237 20780 XXX Refinance UTD Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400011 21247238 6579 XXX Refinance UTD Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400011 21247239 7028 XXX Refinance UTD Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400011 21247240 3678 XXX Refinance UTD Primary 7/XX/2007 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 1 (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.
96400015 21227727 2864 XXX Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400015 21227752 25677 XXX Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400015 21227753 2210 XXX Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400015 21227754 2214 XXX Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.
96400031 21251767 7027 XXX Purchase Primary 8/XX/2003 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400031 21251768 2641 XXX Purchase Primary 8/XX/2003 LA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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 $906.82. Under disclosure is due to the lender’s TIL reflecting MI being in force for 74 months, however based on the loan amount and appraised value the MI would be in force for 103 months. 8/XX/2004
96400606 21258751 2798 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400606 21259030 6568 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400606 21259123 5445 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400606 21259124 20780 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400606 21259125 7027 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400606 21259126 1974 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400606 21259129 1977 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400606 21259130 6589 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400606 21259131 2642 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 7/XX/2008
96400070 21255376 2798 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400070 21257626 7027 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400070 21257627 25677 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400070 21257628 1974 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400070 21257629 1977 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400070 21257630 6589 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400070 21257631 25688 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 10/XX/2007
96400070 21257632 6306 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 10/XX/2007
96400982 21252772 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400982 21252773 25902 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400512 21277718 2798 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400512 21277986 20780 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400512 21277987 25806 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)
96400512 21277988 2642 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2008
96400512 21311380 22050 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 10/XX/2008
96400512 21311382 611 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 10/XX/2008
96400512 21311384 613 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 10/XX/2008
96400749 21263885 2798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400749 21263896 611 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 8/XX/2008
96400749 21263897 613 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 8/XX/2008
96400749 21264054 5445 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400749 21264055 20780 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400749 21264056 7027 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400749 21264057 22050 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 8/XX/2008
96400749 21264058 2642 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 8/XX/2008
96400749 21264059 5010 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 8/XX/2008
96401103 21253185 2798 XXX UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401103 21253310 20780 XXX UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401103 21253311 6579 XXX UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96401103 21253312 7028 XXX UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401103 21253313 2645 XXX UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 8/XX/2007
96401103 21253314 3366 XXX UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 8/XX/2007
96401103 21253344 4967 XXX UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96401103 21253351 6568 XXX UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96401103 21253360 3934 XXX UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96401103 21253365 23933 XXX UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400308 21264103 2798 XXX Refinance Cash-out - Other Primary 6/XX/2006 ID $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400308 21264229 6568 XXX Refinance Cash-out - Other Primary 6/XX/2006 ID $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400308 21264727 20780 XXX Refinance Cash-out - Other Primary 6/XX/2006 ID $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400308 21264729 7027 XXX Refinance Cash-out - Other Primary 6/XX/2006 ID $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400308 21264730 25677 XXX Refinance Cash-out - Other Primary 6/XX/2006 ID $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400308 21264731 6223 XXX Refinance Cash-out - Other Primary 6/XX/2006 ID $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.
96400308 21264732 2642 XXX Refinance Cash-out - Other Primary 6/XX/2006 ID $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 6/XX/2009
96400721 21280388 5445 XXX Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400721 21280389 3365 XXX Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. 3/XX/2010
96400898 21268381 2798 XXX Refinance Cash-out - Other Primary 1/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400898 21269191 613 XXX Refinance Cash-out - Other Primary 1/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 1/XX/2008
96400898 21269317 2864 XXX Refinance Cash-out - Other Primary 1/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400898 21269446 6555 XXX Refinance Cash-out - Other Primary 1/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400898 21269477 20780 XXX Refinance Cash-out - Other Primary 1/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400898 21269478 7027 XXX Refinance Cash-out - Other Primary 1/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400898 21269481 2642 XXX Refinance Cash-out - Other Primary 1/XX/2005 FL $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2008
96401080 21229619 2798 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401046 21255507 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401046 21255508 23495 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2005
96400990 21224229 2798 XXX Purchase Primary 2/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400990 21224959 1159 XXX Purchase Primary 2/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FNMA Points and Fees  FNMA Points and Fees on subject loan of 6.45833% 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%).
96400990 21224960 7027 XXX Purchase Primary 2/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400990 21224962 25902 XXX Purchase Primary 2/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400990 21224963 23495 XXX Purchase Primary 2/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/XX/2006
96400990 21224964 6302 XXX Purchase Primary 2/XX/2005 TN $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 2/XX/2006
96400876 21251497 3934 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2009 OR $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400876 21251586 29150 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2009 OR $XXX Loan Review Complete 06/15/2021 Document Error General Credit open 3 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)
96400601 21262816 2798 XXX Refinance Cash-out - Other Primary 12/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400601 21263155 4967 XXX Refinance Cash-out - Other Primary 12/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400601 21263525 20780 XXX Refinance Cash-out - Other Primary 12/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400601 21263527 7027 XXX Refinance Cash-out - Other Primary 12/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400601 21263533 2642 XXX Refinance Cash-out - Other Primary 12/XX/2007 GA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 12/XX/2010
96401071 21226730 7027 XXX Refinance Cash-out - Home Improvement Investment 1/XX/2007 HI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401071 21269991 5791 XXX Refinance Cash-out - Home Improvement Investment 1/XX/2007 HI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400368 21241081 2633 XXX Purchase Primary 11/XX/2009 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2010
96400368 21241082 2634 XXX Purchase Primary 11/XX/2009 NC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 11/XX/2010
96400674 21254528 2864 XXX Purchase Primary 10/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Insurance Insurance Documentation Credit open 3 Missing Document: Mortgage Insurance Certificate (MIC) not provided
96400674 21255569 20780 XXX Purchase Primary 10/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400674 21255570 7027 XXX Purchase Primary 10/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400674 21255571 25688 XXX Purchase Primary 10/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. 10/XX/2005
96400674 21305377 6306 XXX Purchase Primary 10/XX/2004 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. 10/XX/2005
96400402 21230703 4967 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400402 21230789 23038 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400832 21228199 25688 XXX Purchase Primary 8/XX/2005 PR $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. 8/XX/2006
96400093 21231343 2831 XXX Purchase Primary 7/XX/2002 TX $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Mortgage Insurance Certificate not provided
96400093 21231755 3934 XXX Purchase Primary 7/XX/2002 TX $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400093 21232056 1159 XXX Purchase Primary 7/XX/2002 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400093 21232057 7027 XXX Purchase Primary 7/XX/2002 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400971 21253755 2798 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400971 21253931 20780 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400971 21253934 7027 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400971 21253937 1267 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.
96400971 21253939 1268 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
96400971 21253941 2642 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 KY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 9/XX/2008
96400617 21230605 2798 XXX UTD UTD Primary 2/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400617 21230806 6555 XXX UTD UTD Primary 2/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400617 21230815 4967 XXX UTD UTD Primary 2/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400617 21230984 3934 XXX UTD UTD Primary 2/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400617 21231070 20780 XXX UTD UTD Primary 2/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400617 21231073 6579 XXX UTD UTD Primary 2/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400617 21231074 7028 XXX UTD UTD Primary 2/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400617 21231078 2645 XXX UTD UTD Primary 2/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2006
96400617 21231079 3366 XXX UTD UTD Primary 2/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2006
96400617 21231094 26272 XXX UTD UTD Primary 2/XX/2003 OH $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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)
96401037 21253949 2798 XXX Refinance Cash-out - Other Primary 10/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96401037 21255058 611 XXX Refinance Cash-out - Other Primary 10/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 10/XX/2005
96401037 21255059 613 XXX Refinance Cash-out - Other Primary 10/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 10/XX/2005
96401037 21255372 1159 XXX Refinance Cash-out - Other Primary 10/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96401037 21255373 20780 XXX Refinance Cash-out - Other Primary 10/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401037 21255374 7027 XXX Refinance Cash-out - Other Primary 10/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96401037 21255375 22050 XXX Refinance Cash-out - Other Primary 10/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 10/XX/2005
96401037 21255377 2642 XXX Refinance Cash-out - Other Primary 10/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 10/XX/2005
96401037 21255379 5010 XXX Refinance Cash-out - Other Primary 10/XX/2002 SC $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 10/XX/2005
96400074 21258183 2798 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400074 21260041 611 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Borrower signature not dated. 4/XX/2008
96400074 21260057 613 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Compliance open 2 (Doc Error) TIL Error: Final TIL not signed by all required parties 4/XX/2008
96400074 21260103 6555 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400074 21260115 6568 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400074 21260275 1159 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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%).
96400074 21260277 20780 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400074 21260278 7027 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400074 21260279 1974 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400074 21260280 1977 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 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.
96400074 21260282 6589 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.
96400074 21260283 22050 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. 4/XX/2008
96400074 21260284 2642 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2008
96400074 21260285 5010 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 MI $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 4/XX/2008
96400877 21250617 2798 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400877 21251363 2816 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Case Number Assignment not provided
96400877 21251365 2831 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: FHA Mortgage Insurance Certificate not provided
96400877 21251367 2843 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Government Documentation Credit open 3 Missing Document: HUD/VA 92900-A not provided
96400877 21251405 4967 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400877 21251406 3934 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400877 21251427 29149 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Disclosure Missing Document Credit open 3 FHA Informed Consumer Choice Disclosure is missing. Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)
96400877 21251434 20780 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400877 21251435 6580 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400877 21251436 6579 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400877 21251437 7028 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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/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.
96400877 21251438 25686 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. 7/XX/2003
96400877 21251439 6302 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 7/XX/2003
96400877 21251440 3366 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 7/XX/2003
96400877 21251452 23092 XXX Purchase Primary 7/XX/2002 PA $XXX Loan Review Complete 06/15/2021 FHA MIP Document Error Compliance open 3 Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.
96400864 21252176 2798 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400864 21252716 3934 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400864 21252721 4967 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400864 21252748 6555 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.
96400864 21253034 20780 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400864 21253035 6579 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400864 21253036 7028 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400864 21253037 23038 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.
96400864 21253038 26032 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance State Compliance Compliance open 2 California Prepayment Penalty California Prepayment Penalty: Maximum prepay allowed is 6 months interest calculated on 80% of the original balance ($4,609.60). Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.
96400864 21253039 2645 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 2/XX/2007
96400864 21253040 3366 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 2/XX/2007
96400009 21249807 2798 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400009 21249926 20780 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400009 21249927 7027 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400009 21249928 2642 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 1/XX/2010
96400009 21249929 5010 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. 1/XX/2010
96400009 21249941 6568 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400009 21299588 4924 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NY $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Valuation: Appraisal not provided.
96400501 21231797 4967 XXX Refinance UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Property - Appraisal General Appraisal Requirements Compliance open 2 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.
96400501 21231813 2798 XXX Refinance UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400501 21231846 6568 XXX Refinance UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400501 21231868 3934 XXX Refinance UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400501 21231984 20780 XXX Refinance UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400501 21231985 6579 XXX Refinance UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 3 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.
96400501 21231986 7028 XXX Refinance UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400501 21231987 2645 XXX Refinance UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. 3/XX/2007
96400501 21231988 3366 XXX Refinance UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 TILA - Final TIL Missing Missing Final TIL. 3/XX/2007
96400409 21229244 2798 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NM $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400409 21229735 6568 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NM $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400409 21229810 5445 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
96400409 21229811 25158 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400409 21229814 7027 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400409 21229816 4929 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 3/XX/2010
96400409 21229854 24490 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 NM $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400305 21227759 2798 XXX Refinance Rate/Term Primary 3/XX/1998 TX $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400305 21227803 6568 XXX Refinance Rate/Term Primary 3/XX/1998 TX $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Closing / Title Credit open 2 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver
96400305 21227807 3934 XXX Refinance Rate/Term Primary 3/XX/1998 TX $XXX Loan Review Complete 06/15/2021 Compliance Miscellaneous Compliance Compliance open 2 (Doc Error) Initial GFE not provided
96400305 21227808 23933 XXX Refinance Rate/Term Primary 3/XX/1998 TX $XXX Loan Review Complete 06/15/2021 Legal / Regulatory / Compliance Title / Lien Defect Credit open 3 Final Title Policy is missing. No evidence of title in file.
96400305 21227824 20780 XXX Refinance Rate/Term Primary 3/XX/1998 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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.
96400305 21227825 23081 XXX Refinance Rate/Term Primary 3/XX/1998 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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.
96400305 21227826 28240 XXX Refinance Rate/Term Primary 3/XX/1998 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 (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) 4/XX/2001
96400305 21227827 2642 XXX Refinance Rate/Term Primary 3/XX/1998 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. 4/XX/2001
96400305 21227828 2647 XXX Refinance Rate/Term Primary 3/XX/1998 TX $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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). 4/XX/2001
96400180 21232910 2798 XXX Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Loan Package Documentation Application / Processing Credit open 3 Missing Document: Missing Final 1003
96400180 21232943 2641 XXX Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 06/15/2021 Compliance Federal Compliance Compliance open 2 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. Closing instructions indicate the Index used was 1.277%. The closest Index available in our look-back period is 1.355% 11/XX/2007
96400831 21362433 1303 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2015 GA $XXX Loan Review Complete 06/14/2021 Compliance Federal Compliance Compliance open 2 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 Sufficient Cure provided