EX-99.60 61 ex99-60.htm MISSION RATING AGENCY GRADES DETAIL
 

CSMC 2021-NQM7 Trust ABS-15G

 

Exhibit 99.60

 

Exception Grade Detail

CSMC_2021-NQM7

Run Date - 10/20/2021 16:45:00 PM 

 

Loan ID Seller Loan ID Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose
XXXXXXX_2021-NQM7-1 433982345 [redacted] D B D B C A A A Closed finding-3634 44447.90625 44476.81181 Resolved 1 - Information A A Compliance TRID Charges That Cannot Increase Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,047.05.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/08/2021
Rescinded-null - Due Diligence Vendor-09/15/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,047.05.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-1 433982345 [redacted] D B D B C A A A Closed finding-3635 44447.90625 44476.81181 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($188.00) exceed the comparable charges ($146.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-09/08/2021
Open-Recording fee increased From $146 to $188 - Due Diligence Vendor-09/21/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($188.00) exceed the comparable charges ($146.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-1 433982345 [redacted] D B D B C A A A Closed finding-3529 44469.7 44476.81181 Resolved 1 - Information A A Compliance TRID Revised Loan Estimate Delivery Date and Changed Circumstances Date Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-09/30/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-1 433982345 [redacted] D B D B C A A A Closed FCRE6019 44444.93611 44469.72361 Acknowledged 2 - Non-Material D B Credit Missing Doc Citizenship Documentation Not Provided Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
Open-Borrower 1 Citizenship Documentation Is Missing Missing copy of ID for residency documents - Due Diligence Vendor-09/05/2021		   Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-1 433982345 [redacted] D B D B C A A A Closed finding-3631 44447.90625 44469.70347 Resolved 1 - Information A A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Resolved - Due Diligence Vendor-09/30/2021
Rescinded-  - Due Diligence Vendor-09/15/2021
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Resolved - Due Diligence Vendor-09/30/2021
 Rescinded-  - Due Diligence Vendor-09/15/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-1 433982345 [redacted] D B D B C A A A Closed finding-3632 44447.90625 44469.70347 Resolved 1 - Information A A Compliance Disclosure Consummation or Reimbursement Date Validation Test Resolved-Resolved - Due Diligence Vendor-09/30/2021
Rescinded-  - Due Diligence Vendor-09/15/2021
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Resolved - Due Diligence Vendor-09/30/2021
 Rescinded-  - Due Diligence Vendor-09/15/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-2 433982346 [redacted] D A D A D A A A Closed finding-3631 44447.96806 44476.81181 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-09/30/2021
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-2 433982346 [redacted] D A D A D A A A Closed finding-3632 44447.96806 44476.81181 Resolved 1 - Information C A Compliance Disclosure Consummation or Reimbursement Date Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-09/30/2021
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-2 433982346 [redacted] D A D A D A A A Closed finding-3635 44447.96806 44476.81181 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($310.00) exceed the comparable charges ($127.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-09/08/2021
Open-Loan Charges that increased are recording fees - Due Diligence Vendor-09/20/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($310.00) exceed the comparable charges ($127.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-2 433982346 [redacted] D A D A D A A A Closed FCOM1231 44445.57847 44476.81181 Resolved 1 - Information A A Compliance Missing Doc The Initial 1003 is Missing Resolved-Cleared - Due Diligence Vendor-10/07/2021
Rescinded-null - Due Diligence Vendor-10/06/2021
Open-The Initial 1003 is Missing - Due Diligence Vendor-09/06/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-2 433982346 [redacted] D A D A D A A A Closed FCOM4028 44445.56597 44449.92431 Resolved 1 - Information D A Compliance Missing Doc Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.7221000251
 - Due Diligence Vendor-09/10/2021
Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/06/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.[redacted]
 - Due Diligence Vendor-09/10/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-2 433982346 [redacted] D A D A D A A A Closed FCRE1145 44445.61042 44449.92431 Resolved 1 - Information D A Credit Missing Doc Title Document Missing Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.7221000251
 - Due Diligence Vendor-09/10/2021
Open-Missing Final Title - Due Diligence Vendor-09/06/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.[redacted]
 - Due Diligence Vendor-09/10/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-3 433982351 [redacted] D A A A D A A A Closed finding-3632 44447.9 44473.91111 Resolved 1 - Information C A Compliance Disclosure Consummation or Reimbursement Date Validation Test Resolved-Resolved - Due Diligence Vendor-09/30/2021
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Resolved - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-3 433982351 [redacted] D A A A D A A A Closed finding-3631 44447.9 44473.91111 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Resolved - Due Diligence Vendor-09/30/2021
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Resolved - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-3 433982351 [redacted] D A A A D A A A Closed finding-3634 44447.9 44473.91111 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $890.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/08/2021
Resolved-Resolved - Due Diligence Vendor-09/30/2021
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $890.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Fee that increased was the Appraisal fee. - Due Diligence Vendor-09/20/2021		   Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $890.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/08/2021
 Resolved-Resolved - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-3 433982351 [redacted] D A A A D A A A Closed finding-3635 44447.9 44473.91042 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($300.00) exceed the comparable charges ($165.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-09/08/2021
Resolved-Resolved - Due Diligence Vendor-09/30/2021		   Resolved-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($300.00) exceed the comparable charges ($165.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-09/08/2021
 Resolved-Resolved - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-3 433982351 [redacted] D A A A D A A A Closed FCOM1271 44442.66319 44469.71181 Resolved 1 - Information D A Compliance Missing Doc CHARM Booklet is Missing Resolved-Document received clears findings - Due Diligence Vendor-09/30/2021
Open-CHARM Booklet is Missing - Due Diligence Vendor-09/03/2021		   Resolved-Document received clears findings - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-4 433982347 [redacted] D A A A D A A A Closed FCOM1268 44441.86181 44476.88958 Resolved 1 - Information D A Compliance Missing Doc ARM Disclosure is Missing Resolved-Document loaded up clears finding - Due Diligence Vendor-10/07/2021
Open-ARM Disclosure is Missing - Due Diligence Vendor-09/02/2021		   Resolved-Document loaded up clears finding - Due Diligence Vendor-10/07/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Refinance Cash Out - Other
XXXXXXX_2021-NQM7-4 433982347 [redacted] D A A A D A A A Closed FCOM1271 44441.86181 44476.88889 Resolved 1 - Information D A Compliance Missing Doc CHARM Booklet is Missing Resolved-Document received clears finding - Due Diligence Vendor-10/07/2021
Open-CHARM Booklet is Missing - Due Diligence Vendor-09/02/2021		   Resolved-Document received clears finding - Due Diligence Vendor-10/07/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Refinance Cash Out - Other
XXXXXXX_2021-NQM7-4 433982347 [redacted] D A A A D A A A Closed FCOM1231 44441.86111 44469.69167 Resolved 1 - Information D A Compliance Missing Doc The Initial 1003 is Missing Resolved-Document loaded clears finding - Due Diligence Vendor-09/30/2021
Open-The Initial 1003 is Missing - Due Diligence Vendor-09/02/2021		   Resolved-Document loaded clears finding - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Refinance Cash Out - Other
XXXXXXX_2021-NQM7-5 433982353 [redacted] D A D A C A A A Closed finding-3631 44447.91736 44476.81181 Resolved 1 - Information A A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-10/07/2021
Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-10/07/2021
 Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-5 433982353 [redacted] D A D A C A A A Closed finding-3632 44447.91736 44476.81181 Resolved 1 - Information A A Compliance Disclosure Consummation or Reimbursement Date Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-10/07/2021
Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-10/07/2021
 Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-5 433982353 [redacted] D A D A C A A A Closed finding-3635 44447.91736 44476.81181 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($165.00) exceed the comparable charges ($95.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-09/08/2021
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($165.00) exceed the comparable charges ($95.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Recording Fee went up  - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($165.00) exceed the comparable charges ($95.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-5 433982353 [redacted] D A D A C A A A Closed FCRE4293 44441.82847 44473.88819 Resolved 1 - Information D A Credit Missing Doc File does not contain all required Asset Statement(s) Resolved-Document received clears finding - Due Diligence Vendor-10/04/2021
Open-Per the Underwriting Analysis on page 786 of the loan file, the borrower refinanced departure residence at [redacted] and used the proceeds for the purchase of the subject property.  Missing the Closing Disclosure reflecting the amount of proceeds received.  - Due Diligence Vendor-09/02/2021		   Resolved-Document received clears finding - Due Diligence Vendor-10/04/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-6 433982358 [redacted] C A A A C A A A Closed finding-3631 44447.91319 44476.81042 Resolved 1 - Information A A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-10/07/2021
Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-10/07/2021
 Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-6 433982358 [redacted] C A A A C A A A Closed finding-3632 44447.91319 44476.81042 Resolved 1 - Information A A Compliance Disclosure Consummation or Reimbursement Date Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-10/07/2021
Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-10/07/2021
 Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-6 433982358 [redacted] C A A A C A A A Closed finding-3634 44447.91319 44476.81042 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $135.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/08/2021
Open-Rate lock does not cover 2nd increase of points on [redacted]  Lock expires [redacted] - Due Diligence Vendor-09/20/2021
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $135.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). We were able to confirm rate lock and initial increase in points with Revised LER> However during rate lock period and prior to expiration points increased again by $135.00. No explanation or COC for additional change in fee. - Due Diligence Vendor-09/16/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $135.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-7 433982356 [redacted] D B D B A A A A Closed FCRE6019 44441.81042 44469.72361 Acknowledged 2 - Non-Material D B Credit Missing Doc Citizenship Documentation Not Provided Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/02/2021		   Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-8 433982357 [redacted] D B D B C A B B Closed finding-3632 44447.89514 44476.81181 Resolved 1 - Information A A Compliance Disclosure Consummation or Reimbursement Date Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-10/07/2021
Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-10/07/2021
 Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-8 433982357 [redacted] D B D B C A B B Closed finding-3631 44447.89514 44476.81042 Resolved 1 - Information A A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-10/07/2021
Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-10/07/2021
 Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-8 433982357 [redacted] D B D B C A B B Closed finding-3634 44447.89514 44476.81042 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $87.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/08/2021
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $87.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Confirmed discount points increased from $0 on initial LE to $2087.50 on final CD.  Transfer taxes also increased by $87.50 between the two documents.  No COC provided to address the fee increases.
This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $87.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The Rate lock cured the points increase, but there was also an increase in Transfer Taxes with no COC.   
This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,175.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).  - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $87.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-8 433982357 [redacted] D B D B C A B B Closed FCRE6019 44443.78681 44469.72361 Acknowledged 2 - Non-Material D B Credit Missing Doc Citizenship Documentation Not Provided Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/04/2021		   Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-8 433982357 [redacted] D B D B C A B B Closed FVAL1039 44454.79236 44454.79236 Acknowledged 2 - Non-Material B B Property Value Appraised value unsupported Acknowledged-Appraisal Value could not be supported. AVM value lower by 10% and Desk Review value was inconclusive. Used Contract Purchase Price to establish LTV value. - Due Diligence Vendor-09/15/2021   Acknowledged-Appraisal Value could not be supported. AVM value lower by 10% and Desk Review value was inconclusive. Used Contract Purchase Price to establish LTV value. - Due Diligence Vendor-09/15/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-9 433982360 [redacted] D B D B A A A A Closed FCRE6019 44443.93403 44469.72361 Acknowledged 2 - Non-Material D B Credit Missing Doc Citizenship Documentation Not Provided Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/04/2021		   Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-10 433982359 [redacted] D B D B D A A A Closed finding-3631 44447.88542 44476.81042 Resolved 1 - Information A A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-10/07/2021
Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-10/07/2021
 Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-10 433982359 [redacted] D B D B D A A A Closed finding-3632 44447.88542 44476.81042 Resolved 1 - Information A A Compliance Disclosure Consummation or Reimbursement Date Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-10/07/2021
Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-10/07/2021
 Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-10 433982359 [redacted] D B D B D A A A Closed finding-3634 44447.88542 44476.81042 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $250.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/08/2021
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $250.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Appraisal fee increased by $250 on final CD  This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $250.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The rate lock cleared the points increase.  However an appraial fee went up with no COC in file

This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,425.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).  - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $250.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-10 433982359 [redacted] D B D B D A A A Closed finding-3635 44447.88542 44476.81042 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($200.00) exceed the comparable charges ($150.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-09/08/2021
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($200.00) exceed the comparable charges ($150.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Confirmed appraisal fee increased by $250 between initial LE and final CD.  No COC provided to address the fee increase.   - Due Diligence Vendor-09/08/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($200.00) exceed the comparable charges ($150.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-09/08/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-10 433982359 [redacted] D B D B D A A A Closed FCOM1271 44440.93056 44476.80486 Resolved 1 - Information D A Compliance Missing Doc CHARM Booklet is Missing Resolved-Document uploaded clears findings - Due Diligence Vendor-10/07/2021
Open-CHARM Booklet is Missing ARM Disclosure in file but CHARM booklet missing - Due Diligence Vendor-09/01/2021		   Resolved-Document uploaded clears findings - Due Diligence Vendor-10/07/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-10 433982359 [redacted] D B D B D A A A Closed FCRE6019 44440.92917 44469.72361 Acknowledged 2 - Non-Material D B Credit Missing Doc Citizenship Documentation Not Provided Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
Open-Borrower 1 Citizenship Documentation Is Missing Missing residency documentation - Due Diligence Vendor-09/01/2021		   Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-10 433982359 [redacted] D B D B D A A A Closed FCRE6914 44440.92917 44469.72361 Acknowledged 2 - Non-Material D B Credit Missing Doc Borrower 2 Citizenship Documentation Not Provided Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
Open-Borrower 2 Citizenship Documentation Is Missing Missing residency documentation - Due Diligence Vendor-09/01/2021		   Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-11 433982362 [redacted] D B D B A A A A Closed FCRE6019 44444.70972 44469.72361 Acknowledged 2 - Non-Material D B Credit Missing Doc Citizenship Documentation Not Provided Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/05/2021		   Acknowledged-Form in file used for verification in lieu of formal documents - Due Diligence Vendor-09/30/2021
       "ATR Risk: Non-QM Lender did not document all ATR UW Factors" "ATR Risk: Non-QM Lender did not document all ATR UW Factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-12 433982352 [redacted] D A D A A A A A Closed FCRE1145 44442.67014 44449.91528 Resolved 1 - Information D A Credit Missing Doc Title Document Missing Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.7221000109
 - Due Diligence Vendor-09/10/2021
Open-Title Document is missing - Due Diligence Vendor-09/03/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.[redacted]
 - Due Diligence Vendor-09/10/2021
       "ATR/QM: Exempt" "ATR/QM: Exempt" [redacted] [redacted] Investment Purchase NA
XXXXXXX_2021-NQM7-13 433982361 [redacted] A A A A A A A A             A A                   "ATR/QM: Exempt" "ATR/QM: Exempt" [redacted] [redacted] Investment Purchase NA
XXXXXXX_2021-NQM7-14 433962262 [redacted] D A C A D A A A Closed FCRE6843 44454.9875 44477.84653 Resolved 1 - Information C A Credit Assets Asset General Resolved-Document received clears finding - Due Diligence Vendor-10/08/2021
Open-Foreign assets are not converted and asset owner is not identified. - Due Diligence Vendor-09/15/2021		   Resolved-Document received clears finding - Due Diligence Vendor-10/08/2021
       "ATR/QM: Exempt" "ATR/QM: Exempt" [redacted] [redacted] Investment Purchase NA
XXXXXXX_2021-NQM7-14 433962262 [redacted] D A C A D A A A Closed FCRE1194 44455.00625 44468.99306 Resolved 1 - Information C A Credit Eligibility Audited LTV Exceeds Guideline LTV Resolved-Uploaded rate sheet and guidelines cures finding - Due Diligence Vendor-09/29/2021
Open-Max LTV for Foreign National without US Credit is 70% - Due Diligence Vendor-09/16/2021		   Resolved-Uploaded rate sheet and guidelines cures finding - Due Diligence Vendor-09/29/2021
       "ATR/QM: Exempt" "ATR/QM: Exempt" [redacted] [redacted] Investment Purchase NA
XXXXXXX_2021-NQM7-14 433962262 [redacted] D A C A D A A A Closed FCOM4028 44454.92222 44462.80417 Resolved 1 - Information D A Compliance Missing Doc Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing evidence of Mortgage recording Copy of security instrument is not recorded. - Due Diligence Vendor-09/15/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "ATR/QM: Exempt" "ATR/QM: Exempt" [redacted] [redacted] Investment Purchase NA
XXXXXXX_2021-NQM7-15 433962260 [redacted] D A C A D A A A Closed FCRE1194 44461.87431 44468.99236 Resolved 1 - Information C A Credit Eligibility Audited LTV Exceeds Guideline LTV Resolved-New updated guidelines cure finding - Due Diligence Vendor-09/29/2021
Open-Current LTV is [redacted] - Due Diligence Vendor-09/23/2021
Open-FN no credit LTV is 70% - Due Diligence Vendor-09/22/2021		   Resolved-New updated guidelines cure finding - Due Diligence Vendor-09/29/2021
       "ATR/QM: Exempt" "ATR/QM: Exempt" [redacted] [redacted] Investment Purchase NA
XXXXXXX_2021-NQM7-15 433962260 [redacted] D A C A D A A A Closed FCOM4028 44458.84444 44462.80417 Resolved 1 - Information D A Compliance Missing Doc Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/19/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "ATR/QM: Exempt" "ATR/QM: Exempt" [redacted] [redacted] Investment Purchase NA
XXXXXXX_2021-NQM7-16 433962308 [redacted] D B D B D A A A Closed FCOM4028 44453.86181 44462.79931 Resolved 1 - Information D A Compliance Missing Doc Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/14/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-16 433962308 [redacted] D B D B D A A A Closed FCRE1145 44454.77639 44462.79931 Resolved 1 - Information D A Credit Missing Doc Title Document Missing Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing final title - Due Diligence Vendor-09/15/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-16 433962308 [redacted] D B D B D A A A Closed FCRE9387 44454.79444 44454.80278 Acknowledged 2 - Non-Material B B Credit Eligibility Loan amount exceeds maximum allowed per program guidelines Acknowledged-Lender Granted Exception for Loan Amount of [redacted]

Compensating Factors: Pride of ownership - newly remodeled, Excellent credit history for PWE [redacted] cs Full Doc

see page 648 - Due Diligence Vendor-09/15/2021		   Acknowledged-Lender Granted Exception for Loan Amount of[redacted]

Compensating Factors: Pride of ownership - newly remodeled, Excellent credit history for PWE [redacted] cs Full Doc

see page 648 - Due Diligence Vendor-09/15/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-17 433962311 [redacted] D A A A D A A A Closed FCOM4028 44454.79167 44462.79931 Resolved 1 - Information D A Compliance Missing Doc Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/15/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-18 433962305 [redacted] A A A A A A A A             A A                   "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-19 433962309 [redacted] D A D A D A A A Closed FCOM4028 44458.64306 44462.79931 Resolved 1 - Information D A Compliance Missing Doc Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/19/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-19 433962309 [redacted] D A D A D A A A Closed FCRE1145 44459.52986 44462.79931 Resolved 1 - Information D A Credit Missing Doc Title Document Missing Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing Final Title Policy - Due Diligence Vendor-09/20/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-20 433962307 [redacted] D A D A A A A A Closed FCRE1145 44455.68681 44462.79931 Resolved 1 - Information D A Credit Missing Doc Title Document Missing Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing Final Title Policy - Due Diligence Vendor-09/16/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Refinance Cash Out - Other
XXXXXXX_2021-NQM7-21 433962314 [redacted] D A D A A A A A Closed FCRE1145 44459.65208 44462.79931 Resolved 1 - Information D A Credit Missing Doc Title Document Missing Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing final title - Due Diligence Vendor-09/20/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-22 433962303 [redacted] D B D B D A A A Closed FCOM4028 44456.23264 44462.79931 Resolved 1 - Information D A Compliance Missing Doc Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/17/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-22 433962303 [redacted] D B D B D A A A Closed FCRE1145 44456.65833 44462.79931 Resolved 1 - Information D A Credit Missing Doc Title Document Missing Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing Final Title Policy - Due Diligence Vendor-09/17/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-22 433962303 [redacted] D B D B D A A A Closed FCRE1199 44456.23403 44456.23403 Acknowledged 2 - Non-Material B B Credit Eligibility Audited Loan Amount is greater than Guideline Minimum Loan Amount Acknowledged-Exception: loan amount over [redacted] at [redacted] - Due Diligence Vendor-09/17/2021   Acknowledged-Exception: loan amount over [redacted] at [redacted] - Due Diligence Vendor-09/17/2021
   759 Fico Score, DTI at 25%, Over 12 months cash reserves   "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-23 433962304 [redacted] D B D B D A A A Closed FCRE8611 44462.73125 44481.80278 Acknowledged 2 - Non-Material C B Credit Income/Employment Income/Employment General Acknowledged-No P&L Tax returns only Exception  - Due Diligence Vendor-10/12/2021
Open-missing YTD P&L (per guidelines ytd P&L Dated within 60 days) - Due Diligence Vendor-09/23/2021		   Acknowledged-No P&L Tax returns only Exception  - Due Diligence Vendor-10/12/2021
   Compensating factors is DTI under 43%, LTV 69%, Fico 772 Rebuttal Doc dated 7/28/21   "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Refinance Cash Out - Other
XXXXXXX_2021-NQM7-23 433962304 [redacted] D B D B D A A A Closed FCOM4028 44456.69167 44462.79931 Resolved 1 - Information D A Compliance Missing Doc Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/17/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Refinance Cash Out - Other
XXXXXXX_2021-NQM7-23 433962304 [redacted] D B D B D A A A Closed FCRE1145 44456.7625 44462.79931 Resolved 1 - Information D A Credit Missing Doc Title Document Missing Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing Final Title Policy - Due Diligence Vendor-09/17/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Refinance Cash Out - Other
XXXXXXX_2021-NQM7-24 433962315 [redacted] D A D A D A A A Closed finding-3415 44459.76528 44476.81528 Resolved 1 - Information C A Compliance Points & Fees High-Cost Mortgage Date the Rate Was Set Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-09/23/2021
Open-This loan failed the date the rate was set validation test. ( 12 CFR §1026.32(1)(i)(A), (C) )This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. - Due Diligence Vendor-09/20/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-24 433962315 [redacted] D A D A D A A A Closed finding-3346 44459.76528 44476.81528 Resolved 1 - Information C A Compliance Points & Fees Higher-Priced Mortgage Loan Date the Rate Was Set Validation Test Resolved-Cleared - Due Diligence Vendor-10/07/2021
Resolved-Resolved - Due Diligence Vendor-09/23/2021
Open-This loan failed the date the rate was set validation test. ( 12 CFR §226.35(a)(1) as enacted in 2008  and amended in  2013 )This loan did not provide the date the rate was set, which is required for the Higher-Priced Mortgage Loan Finding. - Due Diligence Vendor-09/20/2021		   Resolved-Cleared - Due Diligence Vendor-10/07/2021
 Resolved-Resolved - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-24 433962315 [redacted] D A D A D A A A Closed FCOM4028 44459.69792 44462.79931 Resolved 1 - Information D A Compliance Missing Doc Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/20/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-24 433962315 [redacted] D A D A D A A A Closed FCRE1145 44459.74653 44462.79931 Resolved 1 - Information D A Credit Missing Doc Title Document Missing Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing final title - Due Diligence Vendor-09/20/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Primary Residence Purchase NA
XXXXXXX_2021-NQM7-25 433962312 [redacted] D A D A D A A A Closed FCRE1347 44454.59861 44482.82708 Resolved 1 - Information D A Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Resolved-Verbal VOE provided clears findings - Due Diligence Vendor-09/30/2021
Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/15/2021		   Resolved-Verbal VOE provided clears findings - Due Diligence Vendor-09/30/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Second Home Purchase NA
XXXXXXX_2021-NQM7-25 433962312 [redacted] D A D A D A A A Closed FCRE1437 44454.59861 44482.82708 Resolved 1 - Information C A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved-Documents provided Co borrower WVOE clears findings - Due Diligence Vendor-09/30/2021
Open-Income and Employment Do Not Meet Guidelines Missing borrower 2 WVOE - Due Diligence Vendor-09/23/2021
Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-09/15/2021		   Resolved-Documents provided Co borrower WVOE clears findings - Due Diligence Vendor-09/30/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Second Home Purchase NA
XXXXXXX_2021-NQM7-25 433962312 [redacted] D A D A D A A A Closed FCRE1363 44454.59861 44482.82708 Resolved 1 - Information D A Credit Missing Doc Borrower 2 WVOE Missing Resolved-WVOE provided clears findings - Due Diligence Vendor-09/30/2021
Open-Borrower 2 WVOE Missing - Due Diligence Vendor-09/15/2021		   Resolved-WVOE provided clears findings - Due Diligence Vendor-09/30/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Second Home Purchase NA
XXXXXXX_2021-NQM7-25 433962312 [redacted] D A D A D A A A Closed FCOM4028 44453.975 44462.79931 Resolved 1 - Information D A Compliance Missing Doc Missing evidence Mortgage/Deed of Trust will be recorded Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/14/2021		   Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.

 - Due Diligence Vendor-09/23/2021
       "Non-QM: Lender documented all ATR UW factors" "Non-QM: Lender documented all ATR UW factors" [redacted] [redacted] Second Home Purchase NA