EX-99.1 4 efc19-271_ex991s3.htm SCHEDULE 3 - EXCEPTION GRADES
Exception Grades
Run Date - 3/7/2019 1:38:29 PM

                                                Rating Agency Grades      
AMC Loan ID Customer Loan ID Seller Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory Exception Exception Detail Exception Information Compensating Factors Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Exception Remediation Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Final Loan Grade Compliance Initial Loan Grade Compliance Final Loan Grade Property Initial Loan Grade Property Final Loan Grade Originator QM ATR Status TPR QM ATR Status Is Curable
203209994 [Redacted] [Redacted] [Redacted] [Redacted] 04/18/2018 Credit Loan Package Documentation Application / Processing XXXXX XXXXXX Issue: The subject property is located in a XXXXX disaster that does not have a declared end date. Disaster Name: ___ Disaster Declaration Date: ___ An appraisal re-inspection is required due to the subject located in a XXXXX disaster area. Provide a re-inspection completed by the original appraiser on form XXXXX or XXXXX and include interior and exterior photos. The appraiser must certify the subject area and the subject property have both XXXXX XXXXX and XXXXX, the property is not XXXXX, and the appraiser must include a statement that the property is currently XXXXX. 442 dated 5/6/2018 with no damaged after declared disaster date 1/2/2018.. Reviewer Comment (2018-05-08): Exception has been waived with compensating factor. Reviewer Comment (2018-04-26): Appraisal dated XXXXX prior to declared disaster date of XXXXX. Exception remains. Seller Comment (2018-04-26): XXXXX incident date is XXXXX the appraisal has a completion date of XXXXX which is after the disaster incident date. This evidences that the property was not affected by the disaster.     05/08/2018 2 B 02/01/2018 CA Primary Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203209994 [Redacted] [Redacted] [Redacted] [Redacted] 04/18/2018 Compliance Compliance Federal Compliance TRID XXXXX 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/02/01/2018) TRID non-compliant. XXXXX XXXXX XXXXX on XXXXX XXXXX XXXXX are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows $XXXXX in XXXXX paid closing XXXXX, borrower's final CD shows $XXXXX. Provide a post-close CD correcting the XXXXX XXXXX XXXXX and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception Reviewer Comment (2018-05-11): Seller provided the PCCD with seller paid closing costs of XXXXX however they are inconsistent and do not match the sellers CD paid fees pf XXXXX. Exception remains. Reviewer Comment (2018-05-09): Seller states PCCD dated XXXXXwith accurate breakdown of seller paid fees has been uploaded for review. No document has been provided. Exception remains.     05/17/2018 1 A 02/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209994 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Miscellaneous Compliance Other Compliance Exception (Manual Add)   Provide documentation of the source of funds used to remit XXXXX payment in the amount of $XXXXX on XXXXX. If funds were the result of new XXXXX, provide documentation and add to recurring liabilities.   Reviewer Comment (2018-05-11): Seller provided a copy of he XXXXX statement for account XXXXX reflecting payment made 1/9/18 with source of funds. Reviewer Comment (2018-05-10): The Seller stated Statements were sent in trailing documents. The statement was not able to be located in the system please resend statements so the exception may be cleared Seller Comment (2018-05-10): Seller states Asset statement for XXXXX has been uploaded and reflects payments to IRS with remaining balance of XXXXX. The two large deposits are also sourced from XXXXX, which has also been provided. Although XXXXX shows a transfer of XXXXX from XXXXX on XXXXX this does not need to be sourced further as we have evidence of sufficient funds for the transfer in the account XXXXX 05/11/2018     1 A 02/01/2018 CA Primary Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209994 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Borrowers XXXXX XXXXX indicates a XXXXX XXXXX. Processor cert to verify identity prior to XXXXX XXXXX has not been provided. Required per lenders approval letter.   Reviewer Comment (2018-04-26): Seller provided the lenders cert for the fraud alter dated 1/2/2018. 04/26/2018     1 A 02/01/2018 CA Primary Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203209994 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance Federal XXXXX Disclosure Timing Test XXXXX Disclosure Rule: Creditor did not provide XXXXX Credit Score Disclosure within a reasonably practicable time after using credit score. Evidence of earlier borrower receipt has not been provided. Disclosure was provided at closing.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/01/2018 CA Primary Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203209994 [Redacted] [Redacted] [Redacted] [Redacted] 05/11/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy XXXXX Findings: All conditions were not met   AUS findings do not include sufficient assets (XXXXX). Per lender approval letter, provide updated AUS findings including XXXXX funds. File has gift letter for $99,024 as well as proof gift was sent directly to title company. LP was not ran with gift as source of assets. LP cannot be re-ran at this point with the gift, but ok to accept since we have both gift letter and proof of receipt. Compensating factors: 732 FICO, 69% LTV, reserves Reviewer Comment (2018-05-15): XXXXX elected to waive based on compensating factors. File has gift letter for XXXXXas well as proof gift was sent directly to title company. LP was not ran with gift as source of assets. LP cannot be re-ran at this point with the gift, but ok to accept since we have both gift letter and proof of receipt. Compensating factors: 732 FICO, XXXXX LTV, reserves Reviewer Comment (2018-05-11): Please provided corrected /updated Lender approval without subject to AUS inclusion of gift funds. Exception remains. Seller Comment (2018-05-11): This loan has LP feedback and XXXXX does not require gifts to be disclosed on their feedback. Further, gifts were sent directly to title and accurately documented on file with gift letter and letter of receipt from title agency. Borrowers were never in receipt of gift funds.     05/15/2018 2 B 02/01/2018 CA Primary Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203209995 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance State Compliance xxxxx xxxxx Disclosure and Waiver Status Test XXXXX State Disclosure: Borrower not provided Impound Disclosure. XXXXX State Disclosure was not located in the file   Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-04-24): XXXXX has elected to waive the exception. 02/21/2019     1 A 02/01/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203209995 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final XXXXX) Final Closing Disclosure provided on XXXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception Reviewer Comment (2018-05-10): Escalated Seller Comment (2018-05-10): XXXXX We do not apply credits to specific charges but we do employ a general policy that provides a waterfall of how lender credits are applied to a loan. We apply lender credit (as a whole) to any settlement charges first, then any remainder is applied (as a whole) to any finance charges, and then if any remains beyond that we apply to other charges such as escrows and taxes. There is no specific allocation to a fee, just an underlying approach so we can calculate APR accordingly and with purpose. Reviewer Comment (2018-05-07): This exception is related to the XXXXX tolerance violation. Receipt of corrected CD's and copy of LOE sent to borrower in reference to credits of specific fees would be remediation for exception. (XXXXX) Seller Comment (2018-05-07): This appears to be related to the prior two findings (XXXXX) and if those are accepted this should be resolved as well.     05/17/2018 2 B 02/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209995 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Post Close Closing Disclosure Total Of Payments Test Non-Resindable Transactions TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Total of Payments of XXXXX disclosed on the Final Closing Disclosure dated XXXXX is inaccurate by more than XXXXX compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of XXXXX provided on XXXXX. (Post-Close XXXXX) PCCD reflects increases in loan costs in Section B resulting in TOP disclosed at closing to become inaccurate. Provide evidence/explanation of event occurring after closing resulting in increase in borrower paid loan costs for review. Otherwise, LOE, refund check for XXXXX, updated PCCD, proof of delivery required to cure TOP under disclosure.   Reviewer Comment (2018-05-18): XXXXX has reviewed the issue and on this particular loan agrees that it can be cleared. Reviewer Comment (2018-05-10): Escalated Reviewer Comment (2018-05-03): The Top on the PCCD when tested against final fees - a refund of XXXXXis required or a corrected PCCD, LOX and proof of delivery. Exception remains Seller Comment (2018-05-03): The only increase is due to the increase in the Lender's Title insurance fee from XXXXX The final settlement statement (uploaded) shows that the Lender's Title Insurance Premium Fee is XXXXX on the settlement statement. However, the fee input on this file was performed by the closing agent, so the closing agent incorrectly under disclosed the fee on our CD since the LTP should have been disclosed at the full amount on the CD with a credit in section L to show the discounted amount instead of just showing XXXXXin section B. The closing agent's error was then caught and corrected by our closer in funding. The full undiscounted amount for LTP in section B was re-disclosed at XXXXX, and the simultaneous credit of XXXXXin section L on pg 5 of the final CD was applied to show the actual discount. (XXXXX). In this case, the net aggregate sum of that fee is the same as what's showing on the settlement statement after the discount (XXXXX), so we are still in compliance. 05/18/2018     1 A 02/01/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209995 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final XXXXX) : the Seller's final CD contained fees not reflected on the consumer's CD dated XXXXX   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception Reviewer Comment (2018-05-03): Please provide a corrected PCCD with seller paid feess matching XXXXX fees paid on seller CD. Exception remains. Seller Comment (2018-05-03): The lender's title insurance was disclosed at the discounted amount on the initial LE. When title delivered the final figures that amount was updagted to reflect the undiscounted amount as called for by the reg. But the borrower was not subject to pay that amount as they receive a credit from the simultaneous issue of the owner policy. We review and eliminate the cure in this scenario as the amount the consumer is subject to pay did not actually increase more than XXXXXThe final CD was uploaded for review.     05/17/2018 1 A 02/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209995 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of $XXXXX plus XXXXX or XXXXX. No Valid COC or Insufficient or no cure was provided to the borrower   Reviewer Comment (2018-05-17): Per sales contract seller to pay for XXXXX of Escrow fee when the fee is excluded there is not tolerance violation. Issue cleared. Reviewer Comment (2018-05-10): Escalated Reviewer Comment (2018-05-07): Post close CD issued XXXXX reflects fees subject to XXXXX tolerance as XXXXX, whereas Final XXXXX reflects XXXXX. The variance is due to the title adjustment reflected on page three of the Post close CD. We have previously XXXXX the allocation of credits against fees that were identified as paid by the borrower on page 2 of the CD. XXXXX has been advised that to have credits apply to specific charges, the specific fee on page 2 of the CD should be listed as paid by other or paid by seller in the appropriate column. A separate itemization/breakdown is generally not relied upon as TRID specifically provides that "general credits" are not for specific fees. If creditor knew credits were applied to specific fees as indicated on the separate itemization, these fees should have been reflected as paid by other in the appropriate column on the CD. As noted, based on discussions with XXXXX, unless shown in paid by seller/others column of the CD, XXXXX does not apply general/lump sum credits to specific fees for purposes of exclusion from finance charges and/or other points and fees calculations. For remediation, we would require corrected CD's and copy of LOE sent to borrower to apply credits to specific fees. Seller Comment (2018-05-07): The XXXXX was disclosed at the discounted amount on the initial LE. When title delivered the final figures that amount was updagted to reflect the undiscounted amount as called for by the reg. But the borrower was not subject to pay that amount as they receive a credit from the simultaneous issue of the owner policy. We review and eliminate the cure in this scenario as the amount the consumer is subject to pay did not actually increase more than XXXXX Reviewer Comment (2018-05-01): Ten Percent Tolerance Total amount of XXXXX exceeds tolerance of XXXXX. No Valid COC or Insufficient or no cure was provided to the borrower 05/17/2018     1 A 02/01/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209995 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (XXXXX) Zero Percent Fee Tolerance exceeded for Loan XXXXX XXXXX. Fee Amount of XXXXX exceeds tolerance of XXXXX. No Valid COC or Insufficient or no cure was provided to the borrower   Reviewer Comment (2018-04-30): Interest rate lock XXXXX dated XXXXX for increase in discount points 04/30/2018     1 A 02/01/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209995 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary XXXXX) File is missing documentation that the borrower was provided a copy of the appraisal at least 3 business days prior to closing   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/01/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203209995 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance Fannie Mae 2014 - XXXXX Points and Fees Fannie Mae XXXXX. Points and Fees on subject loan of XXXXX is in excess of the investor allowable maximum of XXXXX of the Federal Total Loan Amount. Points and Fees total XXXXX on a Federal Total Loan Amount of XXXXX vs. an investor allowable total of XXXXX (an overage of XXXXX or XXXXX). Fannie Mae XXXXX XXXXX XXXXX and Fees Test. Points and Fees on subject loan of XXXXX is in excess of the investor allowable maximum of XXXXX of the Federal Total Loan Amount. Points and Fees total XXXXX on a Federal Total Loan Amount of XXXXX vs. an investor allowable total of XXXXX (an overage of XXXXX or XXXXX).   Reviewer Comment (2018-04-24): XXXXX has elected to waive the exception based on fact that Lender used XXXXX ratio for exclusion represent the ration of interest rate reduction in relation to the discount points charged to the consumer vs XXXXX default ration of XXXXX     04/24/2018 2 B 02/01/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209996 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final XXXXX) The Seller's final CD fees totaled $XXXXX; the Borrower's CD reflected seller paid fees of XXXXX, a difference of $XXXXX. Fees added to the Borrower's Final CD include: XXXXX XXXXX; XXXXX, XXXXX, XXXXX and Natural XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-05-17): Received corrected PCCD but the LOX was not provided Reviewer Comment (2018-05-09): XXXXX has elected to waive the exception Reviewer Comment (2018-05-09): XXXXX a PCCD dated XXXXXreflecting the accurate breakdown of seller-paid fees has been uploaded for review. No document has been provided. Exception remains.     05/09/2018 1 A 02/02/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209996 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (XXXXX) Seller Paid XXXXX reflected on Final CD was not reflected on LE dated XXXXX. No valid Change of Circumstance in file.   Reviewer Comment (2018-05-17): Per sales contract pest inspection is to beXXXXX. Issue cleared Reviewer Comment (2018-05-11): XXXXX provided the corrected PCCD, missing the LOX and proof of delivery. Exception remains. Reviewer Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 02/02/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209996 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Additional Title Charges. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (XXXXX) Seller Paid Additional XXXXX reflected on Final CD was not reflected on LE dated XXXXX. No valid Change of Circumstance in file.   Reviewer Comment (2018-05-17): Per contract XXXXX for seller title charges. Issue cleared. Reviewer Comment (2018-05-11): XXXXX provided the corrected PCCD, missing the LOX and proof of delivery. Exception remains. Reviewer Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 02/02/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209996 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7725) Seller Paid Title -XXXXX reflected on Final CD was not reflected on LE dated XXXXX. No valid Change of Circumstance in file.   Reviewer Comment (2018-05-17): Per contract XXXXX for seller title charges. Issue cleared. Reviewer Comment (2018-05-11): XXXXX provided the corrected PCCD, missing the LOX and proof of delivery. Exception remains. Reviewer Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Reviewer Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 02/02/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209996 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) Seller Paid XXXXX reflected on Final CD was not reflected on LE dated XXXXX. No valid Change of Circumstance in file.   Reviewer Comment (2018-05-17): Per sales contract XXXXX for transfer tax issue cleared. Reviewer Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 02/02/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209996 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance State Compliance California Impound Disclosure and Waiver Status Test California State Disclosure: Borrower not provided Impound Disclosure.     Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-04-24): XXXXX has elected to waive the exception. 02/21/2019     1 A 02/02/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203209996 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final XXXXX) Final Closing Disclosure provided on XXXXX disclosed a Closing Date of XXXXX that did not match the actual date of consummation (XXXXX); there is also a Notary Certification in the file which indicates the borrowers singed in the presence of the notary on XXXXX; the same Notary signed both documents. Provide a Post Consummation CD correcting the actual Closing date of XXXXX and/or an LOE explaining the different dates certified by the Notary.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/02/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209996 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final XXXXX) Final Closing Disclosure provided on XXXXX did not disclose the dollar amount of the XXXXX tolerance violations that exceeded the legal limit.   Reviewer Comment (2018-05-09): XXXXX has elected to waive the exception. Reviewer Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition Seller Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation.     05/09/2018 2 B 02/02/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209996 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Evidence of borrowers' receipt of Your Home Loan Toolkit Disclosure is missing from the file.   Reviewer Comment (2018-04-24): XXXXX waived the exception.     04/24/2018 2 B 02/02/2018 CA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203209996 [Redacted] [Redacted] [Redacted] [Redacted] 05/21/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Due to Seller paid title charges.   Reviewer Comment (2018-05-21): Per contract XXXXX for seller title charges. Issue cleared. 05/21/2018     1 A 02/02/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209997 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final XXXXX) Seller Closing Disclosure not located in the file.   Reviewer Comment (2018-05-09): XXXXX has elected to waive the exception. Reviewer Comment (2018-05-03): XXXXX is not required to be documented within the file. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXXis not required to be documented within the file.     05/09/2018 2 B 02/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209997 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Title fees to Old Republic Title are incorrectly disclosed under section C on the final CD. The borrower utilized vendor provided on the SSPL. Lender provided a post close Closing Disclosure dated XXXXX without any evidence of delivery to the borrower.   Reviewer Comment (2018-04-20): PC Closing Disclosure dated XXXXX-proof of delivery not required   04/20/2018   2 B 02/03/2018 CA Primary Purchase Good Faith Redisclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209997 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Esign disclosure to receive documents electronically has not been provided. Econsent for purchase agreement delivery only.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/03/2018 CA Primary Purchase No Defined Cure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203209998 [Redacted] [Redacted] [Redacted] [Redacted] 04/18/2018 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Loan file does not contain evidence of borrower's consent to receive electronic disclosures.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/05/2018 CA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203209998 [Redacted] [Redacted] [Redacted] [Redacted] 04/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final XXXXX) Error- Seller Paid XXXXX were Disclosed in Section B of Final Closing Disclosure. A Post Closing CD dated XXXXX was provided in file correcting the property repair fees to section H.. A letter to the borrower addressing the correction was not provided or located in file.   Reviewer Comment (2018-05-09): XXXXX has elected to waive the exception. Reviewer Comment (2018-05-03): XXXXX fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation.     05/09/2018 2 B 02/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209998 [Redacted] [Redacted] [Redacted] [Redacted] 04/18/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final XXXXX) Seller Closing Disclosure not located in the file.   Reviewer Comment (2018-05-09): XXXXX has elected to waive the exception. Reviewer Comment (2018-05-03): XXXXX is not required to be documented within the file. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX is not required to be documented within the file.     05/09/2018 2 B 02/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209998 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Repair Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (75159) Seller Paid Property Repair Fees were Disclosed in Section B of Final Closing Disclosure. A Post Closing CD dated XXXXX was provided in file correcting the property repair fees to section H.. A letter to the borrower addressing the correction was not provided or located in file.   Reviewer Comment (2018-05-17): Per contract cost of property repairs are XXXXX responsibility issue cleared. Reviewer Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure seller fees that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 02/05/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209999 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final XXXXX) Final CD reflected closing date on page 1 of XXXXX however actual closing date (mortgage notary date) is XXXXX. A post close CD has been provided that shows the correct closing date; however, a letter or explanation to the borrowers disclosing the reason for the changes and evidence of delivery have not been provided.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209999 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final XXXXX) Finance charges under disclosed by XXXXX, administration fee of XXXXX was not included in finance charges.   Reviewer Comment (2018-05-16): Waterfall method approved byXXXXXto apply lump sum lender credit to non-APR affecting settlement fees then remaining credit towards APR affecting settlement fees applied on this loan per XXXXX instructions to XXXXX Reviewer Comment (2018-05-10): escalated Seller Comment (2018-05-10): We do not apply credits to specific charges but we do employ a general policy that provides a waterfall of how lender credits are applied to a loan. We apply lender credit (as a whole) to any settlement charges first, then any remainder is applied (as a whole) to any finance charges, and then if any remains beyond that we apply to other charges such as escrows and taxes. There is no specific allocation to a fee, just an underlying approach so we can calculate APR accordingly and with purpose. Reviewer Comment (2018-05-01): XXXXX specifically provide that credit for specific fees are to be itemized within the paid byXXXXX or paid by others column. XXXXX has been advised that to have credits apply to specific charges, the specific fee on page 2 of the CD should be listed as paid by other or XXXXX in the appropriate column. Seller Comment (2018-05-01): Please ensure when completing this calculation that any XXXXX is applied to settlement charges first and then to finance charges. 05/16/2018     1 A 02/06/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209999 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final XXXXX) Final CD did not reflect contact information for Lender as required.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209999 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided ondisclosed a negative fee amount. (Final XXXXX) Final Cd reflected negative fee for Owners title insurance for XXXXX.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209999 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final XXXXX) Ten percent fees increased by XXXXX however insufficient cure provided on CD in amount of XXXXX.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception Reviewer Comment (2018-05-07): Fees subject to XXXXX tolerance were originally disclosed as follows: Title- XXXXX, Title- XXXXX, Title- XXXXX, Total- XXXXX. Updated PCCD reflects the following: Title- XXXXX, Title- XXXXX, Title- XXXXX, Total-XXXXX. Fees charged exceeds tolerance of XXXXX (XXXXX) for cost to cure ofXXXXX. XXXXX closing agent agreed to cover XXXXX. PCCD issued XXXXX reflects XXXXX paid by others which was for XXXXX; however,XXXXX were not included in the original XXXXX tolerance calculation as Final CD reflects amount paid by XXXXX. The Final CD reflects cure of XXXXX but PCCD decreased cure to borrower to XXXXX. Total cost to cure is XXXXX (XXXXX). For remediation, a corrected CD with total cure reflected as XXXXX, copy ofXXXXX, evidence of delivery, and LOE to borrower. Seller Comment (2018-05-07): The amount of increase overXXXXX. The closing agent agreed to cover XXXXX which reduced the amount of cure to XXXXX which we applied. The closing agent cure was applied as an amount XXXXX for the recording fees. Reviewer Comment (2018-05-01): XXXXX Disclosure provided onXXXXX disclosed an inaccurate value of the dollar amount by which the XXXXX exceeded the legal limit.     05/17/2018 2 B 02/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209999 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-05-03): XXXXX provided a corrected PCCD and LOX   05/03/2018   1 A 02/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209999 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX . Insufficient or no cure was provided to the borrower. (0) Ten percent tolerance violation in the amount of XXXXX exists due to increase in Lender's Title Insurance Fee. Insufficient cure provided on CD in amount of XXXXX.   Reviewer Comment (2018-05-18): While not paid by borrower, XXXXX can be factored into baseline to arrive at total baseline amount of XXXXX. When you factor the XXXXX cushion, the max to be charged isXXXXX. Total XXXXX fees charged were XXXXX Cure provided in Section J for XXXXX which covers the amount that exceeded the legal limit. Reviewer Comment (2018-05-18): Esaclated Reviewer Comment (2018-05-07): Fees subject to XXXXX tolerance were originally disclosed as follows: Title- XXXXX, Title- XXXXX, Title- XXXXX, Total- XXXXX. Updated PCCD reflects the following: Title- XXXXX, Title- XXXXX, Title- XXXXX, Total-XXXXX. Fees charged exceeds tolerance of XXXXX (XXXXX) for cost to cure ofXXXXX. XXXXX closing agent agreed to cover XXXXX. PCCD issued XXXXX reflects XXXXX paid by others which was for XXXXX; however,XXXXX were not included in the original XXXXX tolerance calculation as Final CD reflects amount paid by XXXXX. The Final CD reflects cure of XXXXX but PCCD decreased cure to borrower to XXXXX. Total cost to cure is XXXXX (XXXXX). For remediation, a corrected CD with total cure reflected as XXXXX, copy ofXXXXX, evidence of delivery, and LOE to borrower. Seller Comment (2018-05-07): The amount of increase over XXXXX. The closing agent agreed to coverXXXXX which reduced the amount of cure to XXXXX which we applied. The closing agent cure was applied as an amount XXXXX for the recording fees. Reviewer Comment (2018-05-01): Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. 05/18/2018     1 A 02/06/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203209999 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Credit Income / Employment Income Documentation Income Docs Missing:   Missing lease agreement on departing residence on XXXXX.   Reviewer Comment (2018-05-03): XXXXX provided a copy of the lease for XXXXX signed and dated on XXXXX 05/03/2018     1 A 02/06/2018 CA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203209999 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Evidence that the borrowers were provided with the Affiliated Business Arrangement Disclosure within three days of application is missing from the file.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/06/2018 CA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210000 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.     Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/08/2018 CA Primary Refinance - Cash-out - Other   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210000 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 0 XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final XXXXX ) A Post consummation CD correcting the Closing date was provided to the borrower on XXXXX; No letter of explanation was provided. Please provide the Letter of explanation for the PCCD dated XXXXX.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/08/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210000 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Loan Payoff Statement not provided   PFA UW guides: section 3.6 Refinance transaction. Missing payoff statement from XXXXX account ending XXXXX. Provident has overlay for payoff loan but meets FNMA requirements. CD shows payoff to WF for $298,642.60 and credit report shows mortgage with $297,031 so comfortable correct mortgage was paid off. Compensating factors include: 794 FICO, 55% LTV, DTI, reserves Reviewer Comment (2018-05-15): XXXXXelected to waive the exception based on compensating factors. - XXXXX has overlay for payoff loan but meets XXXXX requirements. CD shows payoff to XXXXXand credit report shows mortgage with XXXXX so comfortable correct mortgage was paid off. Compensating factors include:XXXXX FICO, XXXXX LTV, DTI, reserves Reviewer Comment (2018-05-01): XXXXX XXXXX: A payoff was not requested on this XXXXX loan since there is not a drastic difference in the payoff amount and the balance reflected on the XXXXX. The difference between the credit report can be accounted to interest and based on the amount it is evident that the mortgage was paid in full. Defer to buyer for final disposition. Seller Comment (2018-05-01): XXXXX A payoff was not requested on this XXXXX loan since there is not a drastic difference in the payoff amount and the balance reflected on the XXXXX. The difference between the XXXXX can be accounted to interest and based on the amount it is evident that the XXXXX was paid in full.     05/15/2018 2 B 02/08/2018 CA Primary Refinance - Cash-out - Other   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210001 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date. Disaster Name: ___ Disaster Declaration Date: ___ An appraisal re-inspection is required due to the subject located in a XXXXX. Provide a re-inspection completed by the original appraiser on form XXXXX or XXXXX and include interior and exterior photos. The appraiser must certify the subject area and the subject property have both XXXXX and XXXXX, the property is XXXXX, and the appraiser must include a statement that the property is currently XXXXX. Appraisal dated 1/30/2018 after declared disaster date 1/2/2018. Reviewer Comment (2018-04-26): Exception has been waived with use of compensating factor.     04/26/2018 2 B 02/09/2018 CA Primary Purchase   C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210001 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Credit Legal / Regulatory / Compliance Title / Lien Defect There is no dollar amount noted on the title policy.   Dollar amount of policy is not provided.   Reviewer Comment (2018-05-08): XXXXX provided a copy of the final title with coverage of XXXXX. Reviewer Comment (2018-05-07): Agree, California preliminary title does not reflect policy amount. Please provide final title documentation showing policy amount of $649,750. Seller Comment (2018-05-07): XXXXX, coverage is not listed on the prelim title report. Escrow instructions provided showing coverage amounts. Reviewer Comment (2018-04-26): XXXXX provided escrow instruction, missing title commitment or final XXXXX with coverage of XXXXX. Exception remains. 05/08/2018     1 A 02/09/2018 CA Primary Purchase   C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210001 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on XXXXX 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. (FinalXXXXX ) Calculated total closing costs (D + I) is XXXXX. Final CD disclosed XXXXX. Please provided Letter of Explanation that was sent to the borrower with the Post Close CD dated XXXXX to cure the exception   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210001 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Summaries Of Transactions - Closing Costs Paid At Closing TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on XXXXX disclosed a Closing Costs Paid at Closing that does not match the Total Closing Costs (Borrower-Paid) from page 2. (FinalXXXXX ) Calculated total closing costs (D + I) is XXXXX. Final CD disclosed XXXXX. Please provided Letter of Explanation that was sent to the borrower with the Post Close CD dated XXXXX to cure the exception   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210001 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) Calculating Cash to Close: Final Closing Disclosure provided on XXXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. The XXXXX was paid by the seller. Seller fees are subject to testing in this review.   Reviewer Comment (2018-05-09): XXXXX has elected to waive the exception. Reviewer Comment (2018-05-03): XXXXX -XXXXX fees do not affect tolerance as they are not charged to the borrower. There is no requirement to XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Reviewer Comment (2018-05-03): XXXXXdo not affect tolerance as they are not charged to the borrower. There is no requirement to XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation.     05/09/2018 2 B 02/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210001 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX . Insufficient or no cure was provided to the borrower. (8304) Zero Percent Fee Tolerance exceeded for XXXXX. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. The transfer tax was paid by the seller, Seller fees are subject to testing in this review.   Reviewer Comment (2018-05-17): Per sales contract XXXXX is to pay for XXXXX issue cleared. Reviewer Comment (2018-05-03): XXXXX -XXXXX fees do not affect tolerance as they are not charged to the borrower. There is no requirement to XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 02/09/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210001 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (FinalXXXXX) The note, security instrument and final CD disclosed a settlement date of XXXXX. Consummation did not take place until XXXXX. The post close CD disclosed the correct settlement date. Please provided Letter of Explanation that was sent to the borrower with the Post Close CD dated XXXXX to cure the exception   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210001 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinalXXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception Reviewer Comment (2018-05-11): XXXXX provided the PCCD dated XXXXX with XXXXX paid closing costs of XXXXX < seller paid fees on the XXXXX. Exception remains. Reviewer Comment (2018-05-09): XXXXX states a PCCD dated XXXXX with the accurate breakdown of XXXXX costs has been uploaded for review. No document has been provided. Exception remains.     05/17/2018 1 A 02/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210002 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaryXXXXX ) Evidence the appraisal was provided to the borrower was not located in the file.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/09/2018 MD Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210002 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Credit Credit Miscellaneous Credit Exception:   Missing mortgage statement for property at XXXXX. Unable to confirm Insurance, property tax and HOA obligation. XXXXX   Reviewer Comment (2018-04-26): XXXXX provided the verification of XXXXX, XXXXX monthly payment of XXXXX andXXXXX total payment of XXXXX 04/26/2018     1 A 02/09/2018 MD Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210002 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Credit Credit Miscellaneous Credit Exception:   Missing mortgage statement for property at XXXXX. Unable to confirm Insurance and property tax obligation.   Reviewer Comment (2018-05-08): XXXXX provided a copy of the XXXXXpolicy and XXXXX propertyXXXXX. Reviewer Comment (2018-05-07): Received XXXXX to evidence property XXXXX. Please provide documentation to verify property XXXXX. Seller Comment (2018-05-07): XXXXX for XXXXXi provided showing XXXX paid which would indicate XXXXX payment of XXXXXincludes XXXXX. Reviewer Comment (2018-04-26): XXXXX provided the XXXXX statement reflecting XXXXX paid in the amount of XXXXX however missing evidence XXXXX is included within the XXXXX payment. Exception remains. 05/08/2018     1 A 02/09/2018 MD Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210002 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (FinalXXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-05-03): XXXXXprovided the corrected PCCD and LOX.   05/03/2018   1 A 02/09/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210002 [Redacted] [Redacted] [Redacted] [Redacted] 04/23/2018 Credit Credit Miscellaneous Credit Exception:   Unable to confirm property tax obligation for property at XXXXX. DTI subject to change.   Reviewer Comment (2018-04-26): XXXXX provided the XXXXX 04/26/2018     1 A 02/09/2018 MD Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210003 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaryXXXXX) Borrower signed 3 day waiver however evidence of borrowers receipt of appraisal at or before close was not provided in file.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/10/2018 CA Primary Purchase   C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210003 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinalXXXXX ) The Final CD and PCCD's dated XXXXX and XXXXX did not disclose the required Lender Contact Name and Contact NMLS ID#.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception..     04/24/2018 2 B 02/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210003 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinalXXXXX ) PCCD dated XXXXX was provided with seller fees matching Seller CD however, a lender of explanation to the borrower regarding the changes made was not provided.   Reviewer Comment (2018-05-01): PCCD dated XXXXX was provided with seller fees matching XXXXX CD   05/01/2018   1 A 02/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210003 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. Xxxxx Page 1 estimated escrow payment of XXXXX does not match calculated payment of XXXXX due to Section G indicates monthly insurance premium as XXXXX. Calculated monthly premium is XXXXX.   Reviewer Comment (2018-05-02): Section F reflects the entire HOI premium of XXXXX under Prepaids which does include the earthquake insurance. Because only the homeowners portion ofXXXXX is being escrowed, the following Section G appropriately reflects the monthly payment of HOI at XXXXX per month Seller Comment (2018-05-01): This policy includes optional earthquake coverage. We do not allow for the impounding of earthquake insurance so the amount of that coverage XXXXX was removed from the total premium amount and re-calculated which is why the CD reflects XXXXX for the HOI per month 05/02/2018     1 A 02/10/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210003 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. Xxxxx Page 1 reflects a total monthly payment of XXXXX, calculated payment is XXXXX due to Section G indicates monthly insurance premium as XXXXX. Calculated monthly premium is XXXXX.   Reviewer Comment (2018-05-02): Section F reflects the entire XXXXX under Prepaids which does include the earthquake insurance. Because only the homeowners portion ofXXXXXis being escrowed, the following Section G appropriately reflects the monthly payment of HOI atXXXXXper month Seller Comment (2018-05-01): This policy includes optional earthquake coverage. We do not allow for the impounding of earthquake insurance so the amount of that coverage XXXXXwas removed from the total premium amount and re-calculated which is why the CD reflects XXXXXfor the HOI per month 05/02/2018     1 A 02/10/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210003 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinalXXXXX) Section F reflect annual homeowners premium of XXXXX which does not match the amount per month collected of XXXXX in Section G.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210003 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date. Disaster Name: ___ Disaster Declaration Date: ___   Appraisal dated 1/30/2018 after declared disaster date 1/2/2018. Reviewer Comment (2018-04-26): Exception has been waived with use of compensating factor.     04/26/2018 2 B 02/10/2018 CA Primary Purchase   C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210004 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinalXXXXX) The lender's contact was not provided.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/13/2018 CO Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
203210007 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (FinalXXXXX) Finance charges under disclosed by XXXXX, appears the Title- signing fee of XXXXX was not included.   Reviewer Comment (2018-05-16): Waterfall method approved by xxxxx to apply lump sum xxxxx to non-APR affecting settlement fees then remaining credit towards APR affecting settlement fees applied on this loan per XXXXX instructions to XXXXX and XXXXX. Reviewer Comment (2018-05-10): Escalated Seller Comment (2018-05-10): We do not apply credits to specific charges but we do employ a general policy that provides a waterfall of how lender credits are applied to a loan. We apply lender credit (as a whole) to any settlement charges first, then any remainder is applied (as a whole) to any finance charges, and then if any remains beyond that we apply to other charges such as escrows and taxes. There is no specific allocation to a fee, just an underlying approach so we can calculate APR accordingly and with purpose. Reviewer Comment (2018-05-01): XXXXX specifically provide that credit for specific fees are to be itemized within the paid by seller or paid by others column. XXXXXhas been advised that to have credits apply to specific charges, the specific fee on page 2 of the CD should be listed as paid by other or XXXXXin the appropriate column. Seller Comment (2018-05-01): Please ensure when performing this calculation, any lender credit is applied to settlement charges first and then to finance charges. 05/16/2018     1 A 02/21/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210007 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.   An appraisal re-inspection is required due to the subject located in a XXXXX disaster area. Provide a re-inspection completed by the original appraiser on form XXXXX and include interior and exterior photos. The appraiser must certify the subject area and the subject property have both XXXXX and XXXXX, the property is not XXXXX, and the appraiser must include a statement that the property is currently XXXXX. Appraisal dated 2/2/2018 after declared disaster date 1/2/2018. Reviewer Comment (2018-04-26): Exception has been waived with use of compensating factor.     04/26/2018 2 B 02/21/2018 CA Primary Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210007 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance State Compliance XXXXX Impound Disclosure and Waiver Timing Test XXXXX State Disclosure: Borrower not provided Impound Disclosure prior to closing. Disclosure dated XXXXX= closing date XXXXX.   Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-04-24): XXXXX elected to waive the exception. 02/21/2019     1 A 02/21/2018 CA Primary Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210007 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinalXXXXX) The seller's Closing Disclosure is missing from the file. The buyer's final CD indicates that the seller paid XXXXX in closing costs. Provide a copy of the seller's CD and, If the seller fees are different from what is shown on the buyer's CD, provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception. Reviewer Comment (2018-05-10): XXXXX provided the complete PCCD buyers final CD. Please provide a copy of theXXXXX for seller paid fee comparison. Exception remains. Reviewer Comment (2018-05-07): CD provided issued XXXXX appears to be a combined XXXXX and XXXXX disclosure. However, unable to determine due to missing pages four and five. Seller Comment (2018-05-07): The XXXXXCD has been uploaded along with a XXXXXfor review. Reviewer Comment (2018-05-03): XXXXX provided the PCCD with XXXXX fees of XXXXX and the XXXXX statement with all XXXXX please provide a copy of the sellers CD matching the PCCD XXXXX fees amount ofXXXXX. Exception remains.     05/17/2018 2 B 02/21/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210007 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Credit Income / Employment Income Documentation Income Docs Missing:   Evidence of taxes and mortgage for property located at XXXXX is missing from the file.   Reviewer Comment (2018-04-26): XXXXX provided the XXXXX tax statement for XXXXX 04/26/2018     1 A 02/21/2018 CA Primary Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210007 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) Cure for Title - Signing Fee in the amount of XXXXX was not provided to borrower.   Reviewer Comment (2018-05-01): The XXXXX provided a SSPL 05/01/2018     1 A 02/21/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210007 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Signing Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (77184) Title - Signing Fee was not disclosed on LE, no cure provided.   Reviewer Comment (2018-05-01): The XXXXX provided a SSPL 05/01/2018     1 A 02/21/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210008 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Loan Payoff Statement not provided   First mortgage payoff has not been provided.   Reviewer Comment (2018-04-26): XXXXXprovided the first mortgage payoff dated XXXXX from XXXXX.. 04/26/2018     1 A 02/23/2018 CA Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
203210008 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.   An appraisal re-inspection is required due to the subject located in a XXXXX disaster area. Provide a re-inspection completed by the original appraiser on form 1004D or 442 and include interior and exterior photos. The appraiser must certify the subject area and the subject property have both XXXXX and XXXXX, the property is not XXXXX, and the appraiser must include a statement that the property is currently XXXXX. Appraisal dated 1/30/2018 after declared disaster date 1/2/2018. Reviewer Comment (2018-04-26): Exception has been waived with use of compensating factor.     04/26/2018 2 B 02/23/2018 CA Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
203210008 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaryXXXXX) Evidence of borrower receipt of the appraisal has not been provided.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/23/2018 CA Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
203210008 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance State Compliance California Impound Disclosure and Waiver Status Test XXXXX State Disclosure: Borrower not provided Impound Disclosure. Borrower not provided Impound Disclosure.   Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-04-24): XXXXX elected to waive the exception. 02/21/2019     1 A 02/23/2018 CA Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
203210008 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXXdid not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinalXXXXX) Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name).   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/23/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
203210008 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (FinalXXXXX) Finance charges underdisclosed by XXXXX, the administration charge of XXXXX was not included.   Reviewer Comment (2018-05-16): Waterfall method approved by XXXXX to apply lump sum lender credit to non-APR affecting settlement fees then remaining credit towards APR affecting settlement fees applied on this loan per XXXXX instructions toXXXXX and XXXXX. Reviewer Comment (2018-05-10): Escalated Seller Comment (2018-05-10): We do not apply credits to specific charges but we do employ a general policy that provides a waterfall of how lender credits are applied to a loan. We apply lender credit (as a whole) to any settlement charges first, then any remainder is applied (as a whole) to any finance charges, and then if any remains beyond that we apply to other charges such as escrows and taxes. There is no specific allocation to a fee, just an underlying approach so we can calculate APR accordingly and with purpose. Reviewer Comment (2018-05-07): We have previously discussed with XXXXX the allocation of credits against fees that were identified as paid by the borrower on page 2 of the CD. XXXXX has been advised that to have credits apply to specific charges, the specific fee on page 2 of the CD should be listed as paid by other or paid by seller in the appropriate column. A separate itemization/breakdown is generally not relied upon as TRID specifically provides that "general credits" are not for specific fees. If creditor knew credits were applied to specific fees as indicated on the separate itemization, these fees should have been reflected as paid by other in the appropriate column on the CD. As noted, based on discussions with XXXXX, unless shown in paid by seller/others column of the CD, XXXXXdoes not apply general/lump sum credits to specific fees for purposes of exclusion from finance charges and/or other points and fees calculations. For remediation, we would require corrected CD's and copy of LOE sent to borrower to apply credits to specific fees. Seller Comment (2018-05-07): Please make ensure when calculating that any lender credit is applied to settlement charges first and then to finance charges. Reviewer Comment (2018-05-01): TRID regulations specifically provide that credit for specific fees are to be itemized within the paid by XXXXX or paid by others column. XXXXX has been advised that to have credits apply to specific charges, the specific fee on page 2 of the CD should be listed as paid by other or paid by XXXXX in the appropriate column. 05/16/2018     1 A 02/23/2018 CA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
203210008 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Title - notary fee is incorrectly disclosed under section B on the final and post close CDs. Notary fee should be disclosed under section C. Vendor was not provided on the SSPL.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/23/2018 CA Primary Refinance - Rate/Term Good Faith Redisclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
203210009 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (FinalXXXXXX) Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation of XXXXX. The Security Instrument was not executed until XXXXX.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/23/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210009 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - XXXXX Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinalXXXXX) Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/23/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210009 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (FinalXXXXX) Both Seller CD and Final CD failed to properly disclose all seller paid costs. Seller CD failed to disclosed Buyers agent commission. Final CD failed to disclose escrow fee, and there is a one cent discrepancy in the transfer taxes amount.   Reviewer Comment (2018-05-09): XXXXX elected to waive the exception. Reviewer Comment (2018-05-07): XXXXX does not permit seller paid fees to be omitted from page 2 of the borrower's CD merely because the creditor provides a separate CD to the seller. XXXXX indicates that borrower paid costs that are disclosed underXXXXXand (X) on page 2 of the CD may be omitted from the seller's CD, however the rule does not provide a corollary that permits XXXXX paid fees disclosed pursuant toXXXXX and (X) to be omitted from the borrower's CD. This is further supported by the overall requirement ofXXXXX that requires the creditor to provide the consumer with the CD, which is meant to disclose the actual terms and costs of the transaction. As a result, XXXXX sets the exception if the creditor is omitting seller paid fees from the borrower's CD on first lien money transactions subject to XXXXX A Letter of Explanation and re-disclosure of corrected CD will effectively cure the exception. Seller Comment (2018-05-07): XXXXXpaid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation.     05/09/2018 1 A 02/23/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210009 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance o fXXXXX Insufficient or no cure was provided to the borrower. (XXXXX) Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Appraisal fee was disclosed as XXXXX on LE, and increased to XXXXX on Final CD. Cure for XXXXX was provided to borrower.   Reviewer Comment (2018-05-01): After further review exception has been cleared as cure for XXXXX was disclosed and provided to the borrower. 05/01/2018     1 A 02/23/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210009 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount ofXXXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. (XXXX) TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower.   Reviewer Comment (2018-05-21): XXXXX has accepted that in XXXXXseller is responsible for paying of XXXXX. Issue cleared. Reviewer Comment (2018-05-01): XXXXX - XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-01): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation. 05/21/2018     1 A 02/23/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210009 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX). The additional changes to fees were seller paid.   Reviewer Comment (2018-05-09): XXXXX elected to waive the exception. Reviewer Comment (2018-05-01): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation.     05/09/2018 2 B 02/23/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210010 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) Cure for various XXXXX and XXXXX tolerance violations (XXXXX) was not provided.   Reviewer Comment (2018-05-09): Goldman has elected to waive the exception. Reviewer Comment (2018-05-03): XXXXX states - XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXXfees that are disclosed or increased. Please review to remove this finding as there is no violation.     05/09/2018 2 B 02/26/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210010 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinalXXXXX) Seller CD provided with seller paid fees of XXXXX, however Seller paid fees were not disclosed on Buyer's Final CD.   Reviewer Comment (2018-05-11): XXXXX provided a PCCD containing the XXXXX paid fees. Reviewer Comment (2018-05-09): XXXXX states a PCCD dated XXXXX with the accurate breakdown of XXXXXpaid closing costs has been uploaded for review. No Document received. Exception remains.   05/11/2018   1 A 02/26/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210010 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Release(s). Fee Amount ofXXXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. (75165) Fee not disclosed on the LE - no COC for fee addition.   Reviewer Comment (2018-05-17): XXXXX agree to pay fees in sales contract. Reviewer Comment (2018-05-03): XXXXX states - XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXXfees that are disclosed or increased. Please review to remove this finding as there is no violation.. 05/17/2018     1 A 02/26/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210010 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Evidence the List of Homeownership Counseling list was provided on XXXXX however the disclosure and list was not located in the images. Unable to verify a minimum of XXXXX agencies were provided to the borrower.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/26/2018 CO Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210010 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Release Tracking Fee. Fee Amount of XXXX exceeds tolerance of XXXXXX. Insufficient or no cure was provided to the borrower. (75216) Fee not disclosed on the LE - no COC for fee addition.   Reviewer Comment (2018-05-17): XXXXX agree to pay fees in sales contract. Reviewer Comment (2018-05-03): XXXXX states - XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXXfees that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 02/26/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210010 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee. Fee Amount of XXXXXX exceeds tolerance of XXXXXX. Insufficient or no cure was provided to the borrower. (75217) Fee not disclosed on the LE - no COC for fee addition.   Reviewer Comment (2018-05-17): XXXXX agree to pay fees in sales contract. Reviewer Comment (2018-05-03): XXXXX states - XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXXfees that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 02/26/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210010 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of XXXXXX exceeds tolerance ofXXXXX. Insufficient or no cure was provided to the borrower. (7564) Fee not disclosed on the LE - no COC for fee addition.   Reviewer Comment (2018-05-17): XXXXX agree to pay fees in sales contract. Reviewer Comment (2018-05-03): XXXXX states - XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXXfees that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 02/26/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210010 [Redacted] [Redacted] [Redacted] [Redacted] 05/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (FinaL XXXXX) Sellers CD seller paid fees XXXXX < PCCD seller paid fees XXXXX.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception.     05/17/2018 1 A 02/26/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210011 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Transaction consummation (mortgage notary) date of XXXXX was corrected on post close CD issued XXXXX, but the file is missing a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210011 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure for various XXXXX and XXXXX tolerance violations was not provided.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception. Reviewer Comment (2018-05-03): Exception remain due to Cure for various XXXXand XXXXX tolerance violationswas not provided. Seller Comment (2018-05-03): Disclosing a proposed cure on anything but the final CD is not necessary. Most recently issued CD on 3/9/2018 is within tolerance requirements.     05/17/2018 2 B 02/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210011 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinalXXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Post close CD issued XXXXX shows XXXXX.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception. Reviewer Comment (2018-05-09): XXXXX states there is no evidence of missing seller fees as documents dear different dates of XXXXX and XXXXX. XXXXXpaid fees should be the same from the XXXXX CD to XXXXXX CD XXXXX final CD XXXXX paid fees areXXXXX dated XXXXX and XXXXX CD reflects XXXXX. Exception remains.     05/17/2018 1 A 02/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210011 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) (XXXXX) violation due to increase in (Title- settlement and Title - courier fee(s)). No evidence of cure.   Reviewer Comment (2018-05-17): Per sales contract XXXXX agreed to pay the fees causing violation. Reviewer Comment (2018-05-03): XXXXX violation due to XXXXX paid fees for settlement XXXXX XXXXX, and XXXXX. Exception remains. Seller Comment (2018-05-03): Disclosing a proposed cure on anything but the final CD is not necessary. Most recently issued CD on XXXXX is within tolerance requirements. 05/17/2018     1 A 02/26/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210011 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) A portion of this fee in the amount of XXXXX was seller paid.   Reviewer Comment (2018-05-17): Per sales contract XXXXX agreed to pay the fees causing violation. Reviewer Comment (2018-05-03): XXXXX states- XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX fees that are disclosed or increased. Please review to remove this finding as there is no violation. Defer to buyer for final disposition. Seller Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX fees that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 02/26/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210011 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaryXXXXX) Missing evidence of appraisal delivery to borrower.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/26/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210011 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of XXXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. (75197) CD incorrectly reflects Title fee in section B of CD (Services Borrower did not Shop For). The fee is payable to SPL, which is not the service provider reflected on the Service Provider List provided to the borrower. Title fee should have been disclosed in section C (Services Borrower Did Shop For). Post close CD issued XXXXX reflects the provider was corrected to Chicago Title, which is the service provider. File is missing a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-05-03): After further review of the fee entry the exception has been cleared. Seller Comment (2018-05-03): Most recently issued CD is accurate. An LOE addressing the revision between CDs is not required. 05/03/2018     1 A 02/26/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210012 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/02/21/2018) Seller fees per seller's CD are XXXXX. Seller fees per consumer's final CD are XXXXX. Listing agent fee of XXXXX on seller's CD does not appear on consumer's CD.   Reviewer Comment (2018-05-01): PCCD disclosed theXXXXX paid fees asXXXXX. The Seller Cd disclosed the XXXXX paid fees as XXXXX. Seller Comment (2018-05-01): The seller provided a PCCD dated XXXXX 05/03/2018     1 A 02/26/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210012 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaryXXXXX)     Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/26/2018 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210012 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy.   XXXXX months < 2 months PITI required for Super Conforming guidelines.   Reviewer Comment (2018-05-10): XXXXX provided the XXXXX statement. Reviewer Comment (2018-04-26): Calculated Cash to close XXXXX(XXXXX deposit, other credits/gift XXXXX+cash to close XXXXX) Assets XXXXX, Acct XXXXX= XXXXX, EMD XXXXX, XXXXX = XXXXX, XXXXX = @7XXXXX, Gift funds XXXXX. Exception remains. Seller Comment (2018-04-26): Please provide calculations to show this shortage as I show the following: Total Assets: XXXXX Cash to Close:XXXXX Difference: XXXXX Reserve Requirement for program and use of business funds: $26,528.56 05/10/2018     1 A 02/26/2018 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210012 [Redacted] [Redacted] [Redacted] [Redacted] 05/10/2018 Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: XXXXX / End Date: XXXXX // Account Type: Checking / Account Number: XXXXX Only 1 month statement provided for Wells Fargo Checking XXXXX XXXXX please provide additional month covering 60 days.   Reviewer Comment (2018-05-17): 1 months bank statement is required per XXXXX and XXXXX. 05/17/2018     1 A 02/26/2018 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210013 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (FinalXXXX) Security instrument was notarized XXXXX. Closing date per final CD is XXXXX. Seller provided a PCCD dated XXXXX with a corrected closing date of XXXXX. Missing the letter of explanation to the borrower.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210013 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on XXXXX 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. (FinalXXXXX) Cash to close in Calculating Cash to Close table on page 3 of final CD is XXXXX. Cash to close in Summaries of Transaction on page 3 of final CD is XXXXX. Seller provided a PCCD with cash to close on page 3 matching page 1. Missing the letter of explanation to the borrower.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210013 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (FinalXXXX) Seller fees from seller's CD are XXXXX. Seller fees per borrower's final CD are XXXXX. An HOA demand fee XXXXX included in the consumer's CD was not found on the seller's CD.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception. Reviewer Comment (2018-05-09): xxxxx states there is no evidence of missing xxxxx fees as documents bear different dates. Seller CD xxxx and consumer CD xxxxx. Please provide final xxxxx reflecting final seller paid fees or corrected CD without the xxxxxfee if seller did not pay. Exception remains.     05/17/2018 1 A 02/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210013 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/02/27/2018)     Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/27/2018 CA Primary Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210014 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinalXXXX) Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Contact Name, NMLS ID).   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/27/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210014 [Redacted] [Redacted] [Redacted] [Redacted] 04/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaryXXXXX) Verification appraisal was delivered to borrower was not provided.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/27/2018 CO Primary Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210015 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Loan file does not contain evidence of borrower's consent to receive electronic disclosures.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/27/2018 CA Primary Purchase No Defined Cure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210015 [Redacted] [Redacted] [Redacted] [Redacted] 04/23/2018 Credit Credit Miscellaneous Credit Exception:   Missing copy of letter from lender to the borrower with an explanation for the Post close CD issued XXXXX.   Reviewer Comment (2018-05-17): After further review issue is cleared. Reviewer Comment (2018-05-01): XXXXX states -A CD cover letter is not something that is required for XXXXX loans as these are closed loans and it is in the XXXXX to include this type of documentation for a CD reissue. Defer to buyer for final Disposition. Seller Comment (2018-05-01): Dispute: A CD cover letter is not something that is required for XXXXX loans as these are closed loans and it is in theXXXXX to include this type of documentation for a CD reissue. 05/17/2018     1 A 02/27/2018 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210016 [Redacted] [Redacted] [Redacted] [Redacted] 04/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) The borrower's final CD shows XXXXX and the seller's CD shows XXXXX. The seller's CD does not show the section A and B fees paid by seller at closing and the seller's CD shows XXXXX for a utility escrow not reporting on the borrower's final CD.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception. Reviewer Comment (2018-05-11): XXXXX provided a PCCD with XXXXX paid fees ofXXXXX < the XXXXX CD paid fees of XXXXX Exception remains. Reviewer Comment (2018-05-09): XXXXXstates a PCCD has been uploaded with XXXXX-paid costs added. XXXXXon seller CD (XXXXX) is not a loan costs and does not need to be included on the buyers CD. No document has been received. Exception remains.     05/17/2018 1 A 03/02/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A A A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210019 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of XXXXX XXXX (XXXXX) does not match Due Diligence Loan Designation of Non XXX. Complete two year employment history has not been provided/verified. Coborrower has an employment gap which exceeds 30 days. Gap is from XXXXX - XXXXX.   Reviewer Comment (2018-05-10): Loan amount is XXXXX and is XXXXX per high limits. Reviewer Comment (2018-05-03): XXXXXEmployed Income -For a Borrower who experienced recent employment gaps (XXXXX), documentation must be provided by the Borrower explaining the circumstances surrounding the gap(s).Borrower has gap fromXXXXX Exception remains. Seller Comment (2018-05-03): XXXXX does not require an explanation for gaps in employment. Also, coborrower has been at current employer for XXXXX years so no re-entering the XXXXX guidelines would apply. 05/10/2018     1 A 03/12/2018 CO Primary Purchase Lender to provide updated ATR/QM status C B A B C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210019 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (FinaXXXXX) 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 XXXXX, while closing CD seller's fees total XXXXX.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception. Reviewer Comment (2018-05-09): XXXXXClosing Disclosure are less than the XXXXX Paid fees disclosed on the Consumer's Final Closing Disclosure. Seller Comment (2018-05-09): All XXXXX-paid Loan Costs and Other Costs, as well as all XXXXX disbursements are reflected on the buyer's CD. Previous year propertyXXXXX Payments are not Loan Costs or Other Costs and are properly disclosed in Blocks M and N.     05/17/2018 1 A 03/12/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A B C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210019 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance XXXXX Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXXXX) Coborrower has employment gap which exceeds 30 days. Per lender guidelines, LOE / additional documentation is required. Gap is from XXXXX-XXXXX.   Reviewer Comment (2018-05-10): Loan amount is XXXXX and is XXXXX per high limits. Reviewer Comment (2018-05-03): XXXXXEmployed Income -For a Borrower who experienced recent employment gaps (XXXXX), documentation must be provided by the Borrower explaining the circumstances surrounding the gap(s).Borrower has gap fromXXXXX Exception remains. Seller Comment (2018-05-03): XXXXXdoes not require an explanation for gaps in employment. Also, coborrower has been at current employer forXXXXX years so no re-entering the XXXXX guidelines would apply. 05/10/2018     1 A 03/12/2018 CO Primary Purchase   C B A B C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210019 [Redacted] [Redacted] [Redacted] [Redacted] 05/10/2018 Credit Income / Employment Income Documentation Income Docs Missing:   Per PFA UW Guides 2.5.1 Employed Income -For a Borrower who experienced recent employment gaps (e.g., 30 days), documentation must be provided by the Borrower explaining the circumstances surrounding the gap(s).Borrower has gap from XXXXX - XXXXX. Missing Gap letter. DU did not condition for LOX and FNMA does not require, this is PFA overlay. Borrower is a nurse and we have PVOEs verifying employment dates. Compensating factors include: 779 FICO, 68% LTV Reviewer Comment (2018-05-15): XXXXX elected to waived the exception based on compensating factors.- DU did not condition for LOX and XXXXXdoes not require, this is XXXXX. Borrower is a nurse and we have PVOEs verifying employment dates. Compensating factors include: XXXXX FICO, XXXXX LTV     05/15/2018 2 B 03/12/2018 CO Primary Purchase   C B A B C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210020 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Missing Document: Note - Subordinate Lien not provided       Reviewer Comment (2018-05-01): The Seller provided the Heloc Agreement 05/01/2018     1 A 03/09/2018 CO Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210020 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXX) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception. Reviewer Comment (2018-05-11): XXXXX provided a PCCD with XXXXX paid fees ofXXXXX < XXXXX CD paid fees XXXXX. Exception remains. Reviewer Comment (2018-05-10): XXXX states a PCCD has been uploaded, withXXXXX added to seller paid column of block XXXXX. All other loan and other costs on the buyers CD. Final XXXXX is not a loan fee and does not need to be on the buyers CD. No document provided. Exception remains. Reviewer Comment (2018-05-07): XXXXX Statement provided reflects XXXXXpaid fees totaling XXXXX. Please provide revised post-close CD correcting XXXXX paid fees toXXXXX and copy of the letter of explanation to the borrower disclosing the changes made. Seller Comment (2018-05-07): XXXXX signed final settlement statement showing correct amount of cash from XXXXX. Per reg XXXXX and (XXXXX) the XXXXX agent is only required to redisclose such changes to the seller. Reviewer Comment (2018-05-03): Please provided an attestation letter that the consumer CD was prepared based on the best information available at the time it is prepared     05/17/2018 1 A 03/09/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210020 [Redacted] [Redacted] [Redacted] [Redacted] 04/23/2018 Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Seller paid title fees reflected in section H and should have been disclosed in section B or C of the Final Disclosure. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-04-24): XXXXX waived the exception.     04/24/2018 2 B 03/09/2018 CO Primary Purchase Good Faith Redisclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210020 [Redacted] [Redacted] [Redacted] [Redacted] 04/23/2018 Credit Credit Miscellaneous Credit Exception:   Final Title policy shows a subordinate loan dated XXXXX for XXXXX from Colorado Credit Union. Guidelines section 3.12 Requires a copy of the note, Security instrument and final HUD-1 settlement state/Closing Disclosure for the new secondary financing. Approval indicates that second lien is a HELOC. Guidelines 3.12 require the Heloc Agreement to indicate all fees and costs paid by the borrower at closing the maximum permitted credit advance   Reviewer Comment (2018-05-01): The Seller provided the Heloc Agreement 05/01/2018     1 A 03/09/2018 CO Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210021 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date. Disaster Name: ___ Disaster Declaration Date: ___   Appraisal dated 2/18/2018 after declared disaster date 1/2/2018. Reviewer Comment (2018-04-26): Exception has been waived with use of compensating factor.     04/26/2018 2 B 03/03/2018 CA Primary Purchase   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210021 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction ___     Reviewer Comment (2018-05-08): XXXXX provided the PCCD disbursement date XXXXX- XXXXXpolicy effective date on date of disbursement. Reviewer Comment (2018-04-26): XXXXX states -the XXXXX effective date is the same date as the XXXXX date of XXXXX. Per lender guidelines "For XXXXX transactions, the insurance policy (or polices) must be effective on or no more than XXXXX days prior to the funding date". However the disbursement date is XXXXX insurance is dated after the disbursement date. Defer to buyer for final disposition. Reviewer Comment (2018-04-26): The XXXXX effective date is the same date as theXXXXXdate of XXXXX. Per lender guidelines "For XXXXX transactions, the insurance policy (or polices) must be effective on or no more than XXXXX days prior to the funding date". 05/08/2018     1 A 03/03/2018 CA Primary Purchase   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210021 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - XXXXX Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) The Closing Disclosure in file does not provide the Lender's contact information.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 03/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210021 [Redacted] [Redacted] [Redacted] [Redacted] 04/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXX) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD Fees total XXXXX while closing CD seller's fees total XXXXX.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception. Reviewer Comment (2018-05-10): XXXXX provided a PCCD with XXXXX paid fees of XXXXX> XXXXX CD fees of XXXXX Exception remains.     05/17/2018 1 A 03/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210021 [Redacted] [Redacted] [Redacted] [Redacted] 04/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower XXXXX right to receive a copy of the appraisal at least three (3) business days prior to closing, and XXXXX was not provided at or before closing. (Type:Primary/XXXXX)     Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 03/03/2018 CA Primary Purchase   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210023 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance State Compliance XXXXX Impound Disclosure and Waiver Status Test XXXXX State Disclosure: Borrower not provided Impound Disclosure.     Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-04-24): XXXXX has elected to waive the exception. 02/21/2019     1 A 03/07/2018 CA Primary Purchase   C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210023 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinaXXXXX) Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. A Post Consummation CD was issued to the borrower which corrected the date.   Reviewer Comment (2018-04-24): Final XXXXX Disclosure provided on XXXXX disclosed a XXXXXDate that did not match the actual date of consummation. A Post Consummation CD was issued to the borrower which corrected the date.   04/24/2018   1 A 03/07/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210023 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (FinalXXXXX) Final Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. A Post Consummation CD was provided to the borrower which corrected the data.   Reviewer Comment (2018-04-24): Final XXXXX Disclosure provided on XXXXX did not disclose number of months for XXXXX under Prepaids. A Post Consummation CD was provided to the borrower which corrected the data.   04/24/2018   2 B 03/07/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210023 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided onXXXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXXX) Final Closing Disclosure provided on XXXXX did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit.   Reviewer Comment (2018-05-09): XXXXX elected to waive the exception. Reviewer Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX fees that are disclosed or increased. Please review to remove this finding as there is no violation. Seller Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX fees that are disclosed or increased. Please review to remove this finding as there is no violation.     05/09/2018 2 B 03/07/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210023 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller Closing Disclosure not located in the file. Seller Paid fees of XXXXX were included in the Borrower's CD at closing.   Reviewer Comment (2018-05-09): XXXXX elected to waive the exception. Reviewer Comment (2018-05-03): Missing XXXXX CD - please provide copy. Exception remains. Seller Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX fees that are disclosed or increased. Please review to remove this finding as there is no violation.     05/09/2018 2 B 03/07/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210023 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount ofXXXXX exceeds tolerance of XXXXX plus XXXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. Increases in fees were Seller Paid.   Reviewer Comment (2018-05-17): Per contract seller and buyer will pay closing fees that is causing violation. Issue cleared. Reviewer Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX fees that are disclosed or increased. Please review to remove this finding as there is no violation. Seller Comment (2018-05-03): XXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX fees that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 03/07/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210023 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) Transfer Tax includes Seller Paid portion of XXXXX; there was no increase in borrower paid fees.   Reviewer Comment (2018-05-17): Per contract XXXXX to be paid by seller and borrower as disclosed on CD. Issue cleared. Reviewer Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX fees that are disclosed or increased. Please review to remove this finding as there is no violation. Seller Comment (2018-05-03): XXXXX paid fees do not affect tolerance as they are not charged to the borrower. There is no requirement to cure XXXXX fees that are disclosed or increased. Please review to remove this finding as there is no violation. 05/17/2018     1 A 03/07/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210023 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in aXXXXXX disaster that does not have a declared end date.   n/a Appraisal inspection was preformed after the disaster date but before the end day of the disaster. Reviewer Comment (2018-04-24): XXXXX inspection was preformed after the date of the disaster but before the end date of the disaster.     04/24/2018 2 B 03/07/2018 CA Primary Purchase   C B B B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210025 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXXX) Employment history requirement not met due to an gap in employment from XXXXX to XXXXX. Please provide Letter of Explanation   Reviewer Comment (2018-05-15): Not XXXXX requirement only an overlay. Loan is still XXXXXdeliverable. Issue cleared. Reviewer Comment (2018-05-03): XXXXX. if less than 2 year history of employment:For a Borrower who experienced recent employment gaps (e.g., 30 days), documentation must be provided by theBorrower explaining the circumstances surrounding the gap(s).Borrower has a gap >XXXXXdays from XXXXX and has been employed with current employer for .06 years. Exception remains. Reviewer Comment (2018-05-03): XXXXX does not require an explanation for approximate 1 month gap in employment. PerXXXXX"Individuals who change jobs frequently, but who are nevertheless able to earn consistent and predictable income, are also considered to have a reliable flow of income for qualifying purposes. To demonstrate the likelihood that a consistent level of income will continue to be received for borrowers with less predictable sources of income, the lender must obtain information about prior earnings." Moving from employer to employer is typical in borrower's field (sheet metal) and there are VOEs and paystubs from previous employers confirming his ability to consistently earn income. 05/15/2018     1 A 02/05/2018 CA Primary Refinance - Rate/Term   C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210025 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary XXXXX (XXXXX) does not match Due Diligence Loan Designation of Non XXXXX Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM due to employment gap   Reviewer Comment (2018-05-15): Loan matches designation issue cleared. Reviewer Comment (2018-05-03): XXXXX. if less than 2 year history of employment:For a Borrower who experienced recent employment gaps (e.g., 30 days), documentation must be provided by theBorrower explaining the circumstances surrounding the gap(s).Borrower has a gap > XXXXX days from XXXXX and has been employed with current employer for XXXXX years. Exception remains. Seller Comment (2018-05-03): XXXXX does not require an explanation for approximate 1 month gap in employment. Per XXXXX "Individuals who change jobs frequently, but who are nevertheless able to earn consistent and predictable income, are also considered to have a reliable flow of income for qualifying purposes. To demonstrate the likelihood that a consistent level of income will continue to be received for borrowers with less predictable sources of income, the lender must obtain information about prior earnings." Moving from employer to employer is typical in borrower's field (sheet metal) and there are VOEs and paystubs from previous employers confirming his ability to consistently earn income. 05/15/2018     1 A 02/05/2018 CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210025 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Loan file does not contain evidence of borrower's consent to receive electronic disclosures.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception..     04/24/2018 2 B 02/05/2018 CA Primary Refinance - Rate/Term No Defined Cure C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210025 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller Change - Funds For Borrower TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether there was a change in the Funds for Borrower. (FinalXXXXX) Corrected on PCCD dated XXXXX Please provide the Letter of Explanation sent to the borrower to Cure the exception.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/05/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210025 [Redacted] [Redacted] [Redacted] [Redacted] 05/15/2018 Credit Credit Miscellaneous A copy of Income Verification Report is not on file.   Employment history requirement not met due to an gap in employment from XXXXX to XXXXX. Please provide Letter of Explanation DU did not condition for LOX and FNMA does not require, this is PFA overlay. Borrower is a nurse and we have PVOEs verifying employment dates. Compensating factors include: 812 FICO, 73% LTV Reviewer Comment (2018-05-15): XXXXX elected to waive the exception based on compensating factors. - XXXXX did not condition for LOX andXXXXX does not require, this is XXXXX overlay. Borrower is a XXXXX and we have PVOEs verifying employment dates. Compensating factors include: XXXXX FICO, XXXXX LTV Seller Comment (2018-05-15): XXXXX. if less than 2 year history of employment:For a Borrower who experienced recent employment gaps (e.g.,XXXXX days), documentation must be provided by theBorrower explaining the circumstances surrounding the gap(s).Borrower has a gap >XXXXX days from XXXXX and has been employed with current employer for XXXXX years. Exception remains.     05/15/2018 2 B 02/05/2018 CA Primary Refinance - Rate/Term   C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210027 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing   Seller Comment (2018-05-07): Lender paid XXXXX is not disclosed on the LE. Please remove as this would not a violation. Reviewer Comment (2018-05-07): After further review exception is cleared. No tolerance. 05/07/2018     1 A 02/07/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210027 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinalXXXXX) Missing evidence that the borrower was provided the closing disclosure at least 3 business days prior to closing   Reviewer Comment (2018-05-01): The XXXXX provided evidence the closing disclosure was received at least XXXXX business days prior to closing 05/01/2018     1 A 02/07/2018 CA Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210027 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7325) Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Fee not disclosed on the initial LE. Insufficient or no cure was provided to the borrower.   Seller Comment (2018-05-07): Lender paid XXXXXis not disclosed on the LE. Please remove as this would not a violation. Reviewer Comment (2018-05-07): After further review exception is cleared. XXXXXr. No tolerance. Reviewer Comment (2018-05-01): XXXXX fees are subject to testing in this review. 05/07/2018     1 A 02/07/2018 CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210027 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name   Reviewer Comment (2018-04-24): XXXXX waived the exception.     04/24/2018 2 B 02/07/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210028 [Redacted] [Redacted] [Redacted] [Redacted] 04/23/2018 Credit Credit Miscellaneous Missing Document: Credit Letter of Explanation (LOE) not provided   Letter of explanation provided by the borrower is not signed.   Reviewer Comment (2018-04-27): LOE was provided in form of email from borrower. Issue cleared. Seller Comment (2018-04-26): As this loan was originated through our XXXXX and we work directly with the borrower an email was accepted rather than a signed LOE. 04/27/2018     1 A 02/08/2018 CA Primary Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210028 [Redacted] [Redacted] [Redacted] [Redacted] 04/23/2018 Compliance Compliance Miscellaneous Compliance Other Compliance Exception (Manual Add)   Borrowers bank statement reflects a deposit on XXXXX for XXXXX. The source of this deposit is from the sale of borrower's previous residence / sale of assets per the divorce settlement. borrowerer indicates a copy of the check was provided, however no evidence of this check was located in the file.   Reviewer Comment (2018-05-01): The seller provided the copy of the check 05/01/2018     1 A 02/08/2018 CA Primary Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210028 [Redacted] [Redacted] [Redacted] [Redacted] 04/23/2018 Compliance Compliance State Compliance XXXXX Impound Disclosure and Waiver Timing Test XXXXX State Disclosure: Borrower not provided Impound Disclosure prior to closing. Evidence of earlier borrower receipt has not been provided. The disclosure was signed at closing.   Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-04-24): Goldman has elected to waive the exception. 02/21/2019     1 A 02/08/2018 CA Primary Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210028 [Redacted] [Redacted] [Redacted] [Redacted] 04/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller's CD shows XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. XXXXX variance due to XXXXX professional and XXXXX transfer fees reflected on seller's but not on borrower's CD. The post close CD issued on XXXXX correctly disclose seller paid fees.   Reviewer Comment (2018-05-01): Seller provided corrected PCCD with updated seller paid fees   05/01/2018   1 A 02/08/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210029 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX) File is missing documentation that the borrower was provided a copy of the appraisal at least 3 business days prior to closing   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/17/2018 WA Primary Refinance - Rate/Term   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210029 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate XXXXX received on or after the date the Closing Disclosure XXXXX AM was received. (Interim/XXXXX) The final revised loan estimate and the initial closing disclosure were both received by the borrower on XXXXX. No evidence of earlier receipt located in the file.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/17/2018 WA Primary Refinance - Rate/Term No Defined Cure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210029 [Redacted] [Redacted] [Redacted] [Redacted] 04/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXX) The closing disclosure provided did not list the contact information for the Lender.   Reviewer Comment (2018-04-24): XXXXX elected to waive the exception.     04/24/2018 2 B 02/17/2018 WA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203497569 [Redacted] [Redacted] [Redacted] [Redacted] 05/10/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Missing Contact and contact NMLS   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception.     05/17/2018 2 B 03/14/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203497569 [Redacted] [Redacted] [Redacted] [Redacted] 05/10/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure of XXXXX was reflected, which is insufficient to cure the ten percent violations due to the seller paid fee of XXXXX for title-settlement/escrow included in testing.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception.     05/17/2018 2 B 03/14/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203497569 [Redacted] [Redacted] [Redacted] [Redacted] 05/10/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (FinalXXXXX) Discrepancy is Seller property taxes; Seller CD indicated dollar figure on page one XXXXX and was not included in the total amount for section (J) consumers CD XXXXX.   Reviewer Comment (2018-05-17): XXXXX elected to waive the exception.     05/17/2018 1 A 03/14/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203497569 [Redacted] [Redacted] [Redacted] [Redacted] 05/10/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXXXexceeds tolerance of XXXXX plus XXXXXor $XXXXX. Insufficient or no cure was provided to the borrower. (0) Cure of XXXXX was reflected, which is insufficient to cure the ten percent violations due to the seller paid fee of XXXXX for title-settlement/escrow included in testing.   Reviewer Comment (2018-05-17): Per contract XXXXX will pay of XXXXXof the XXXXX fee, Issue cleared. 05/17/2018     1 A 03/14/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203497569 [Redacted] [Redacted] [Redacted] [Redacted] 05/11/2018 Credit Income / Employment Income Documentation Income Docs Missing:   Per the PFA UW Guides section 2.5.1 Employed Income For a Borrower who experienced a recent employment cap e.g 30 fays documentation must be provided. Missing GAP LOE. DU did not condition for LOX and FNMA does not require, this is PFA overlay. Borrower is an assistant professor and changed from University of Oklahoma to University of Colorado. Compensating factors include: 759 FICO, Previous employment tenure 3 years 10 months Reviewer Comment (2018-05-17): XXXXX elected to waive based on compensating factors. XXXXX did not condition for LOX and XXXXXdoes not require, this is XXXXX overlay. Borrower is an XXXXXand changed fromXXXXX. Compensating factors include: 759 FICO, Previous employment tenure XXXXX years XXXXX months.     05/17/2018 2 B 03/14/2018 CO Primary Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204126039 [Redacted] [Redacted] [Redacted] [Redacted] 07/08/2018 Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: XXXXX / End Date:XXXXXX // Account Type: Checking / Account Number:XXXXX, Financial Institution: XXXXX / End Date: XXXXX // Account Type: Money Markets / Account Number:XXXXX Only 1 months statement was provided for XXXXX County CU, 2 months required per guidelines. representative FICO score > guideline minimum DTI on this loan < guideline max Borrower has employment stability Reviewer Comment (2018-08-14): XXXXX elected to waive the exception. Buyer Comment (2018-08-14): Ok to waive additional month XXXXX compensating factors: Score; DTI; Employment history     08/14/2018 2 B 05/10/2018 FL Second Home Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204126039 [Redacted] [Redacted] [Redacted] [Redacted] 07/08/2018 Compliance Compliance Federal Compliance XXXXX Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX). (XXXXX) Missing XXXXX tax returns. The tax returns used were not current based on the closing date. the filing of the extension does not make the stale returns current, it just means the consumer is deferring their filing with the IRS. Specifically the income being used to qualify is not based on recent returns and P&L statement for XXXXXwas not provided.   Reviewer Comment (2018-08-01): Income documentation in file meets the requirements of AppendixXXXXX. 08/01/2018     1 A 05/10/2018 FL Second Home Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204126039 [Redacted] [Redacted] [Redacted] [Redacted] 07/08/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaryXXXXX) Borrower signed appraisal waiver however, evidence of receipt of appraisal was not provided in file.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/10/2018 FL Second Home Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204126039 [Redacted] [Redacted] [Redacted] [Redacted] 07/08/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXX) Cure of (XXXXX) was reflected on the Closing Disclosure which is insufficient to cure (XXXXX)   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/10/2018 FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
204126039 [Redacted] [Redacted] [Redacted] [Redacted] 07/08/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7520) A Cure in the amount of XXXXX was provided at closing.   Reviewer Comment (2018-07-09): Sufficient cure provided on Final CD.   07/09/2018   2 B 05/10/2018 FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
204126039 [Redacted] [Redacted] [Redacted] [Redacted] 07/08/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of XXXXX does not match Due Diligence Loan Designation of XXXXRisk. Originator Loan Designation of XXXXX does not match Due Diligence Loan Designation of Non XXXX   Reviewer Comment (2018-08-06): The Seller provided employment breakdown and WVOEs 08/06/2018     1 A 05/10/2018 FL Second Home Purchase Lender to provide updated ATR/QM status C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
204126039 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated DTI XXXXX exceeds Guideline total debt ratio of XXXXX due to lower calculated commission income per WVOE provided in file.   Reviewer Comment (2018-08-06): The Seller provided employment breakdown and WVOEs Reviewer Comment (2018-08-02): Borrowers XXXXX XXXXX Average Income totals XXXXX per month and the borrowers wage income calculated using salary average monthly income of XXXXX and commissions 2 Year + YTD Average Income ofXXXXX TotalingXXXXX 08/06/2018     1 A 05/10/2018 FL Second Home Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204126039 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. XXXXX Risk due to DTI exceeds guideline max XXXXX.   Reviewer Comment (2018-08-06): The Seller provided employment breakdown and WVOEs Reviewer Comment (2018-08-02): Borrowers XXXXX Average Income totalsXXXXX per month and the borrowers wage income calculated using salary average monthly income of XXXXX and commissionsXXXXX Year + YTD Average Income of XXXXX 08/06/2018     1 A 05/10/2018 FL Second Home Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204126039 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance XXXXX DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds XXXXand the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. The income calculation based on the documents provided, is less than the underwriter calculated, calculated DTI XXXXX exceeds guideline max of XXXXX   Reviewer Comment (2018-08-06): The Seller provided employment breakdown and WVOEs 08/06/2018     1 A 05/10/2018 FL Second Home Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204126039 [Redacted] [Redacted] [Redacted] [Redacted] 08/01/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX (XXXXX) The business or personal tax returns provided are not the most recent. Extensions were filed.   Reviewer Comment (2018-08-07): XXXXX elected to waive the exception. Reviewer Comment (2018-08-06): TheXXXXXlevel exception is identifying the XXXXX used were not current. the filing of the XXXXX does not make the stale XXXXX current, it just means the consumer is deferring their filing with the XXXXX. This enables one acquiring the loan to have full visibility into the XXXXX of the returns.. (Specifically as theXXXXXis not based on recent returns     08/07/2018 2 B 05/10/2018 FL Second Home Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204126039 [Redacted] [Redacted] [Redacted] [Redacted] 08/01/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - XXXXX Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX (XXXXX) The business or personal tax returns provided are not the most recent. Extensions were filed.   Reviewer Comment (2018-08-06): The Seller provided employment breakdown and WVOEs 08/06/2018     1 A 05/10/2018 FL Second Home Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204126040 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (FinalXXXXX) Security Instrument Notary date is XXXXX, Final Closing Disclosure signed on XXXX disclosed a Closing Date of XXXX   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/08/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126040 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (FinalXXXXX) Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/08/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126040 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinalXXXXX) 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 XXXXX, while closing CD seller's fees total XXXXX.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 05/08/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126040 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower   Reviewer Comment (2018-07-20): This fee was seller paid, and is customarily paid by XXXXX Seller Comment (2018-07-20): Per the Final CD and the PCCD reconciled with the Final XXXXXStatement, the accumulative XXXXX charged to the borrower did not exceed the threshold and there was no XXXXX tolerance violation. Through-out the LE chain of disclosures, the XXXXX fees remained at XXXXX, then Initial and final CD XXXXX, and then were lowered when finalized to XXXXX. Please see the below screen shots from said disclosures and the Final XXXXX Statement from title. The additional XXXXX closing / settlement fee added to your review total was the sellers' portion and paid by the seller at closing and should not be included in the borrower's XXXXX tolerance bucket. Reviewer Comment (2018-07-11): File does not contain evidence showing that seller will pay these fee at closing 07/20/2018     1 A 05/08/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126043 [Redacted] [Redacted] [Redacted] [Redacted] 07/03/2018 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXXXX is in excess of the allowable maximum of XXXXX of the Federal Total Loan Amount. Points and Fees total XXXXXon a Federal Total Loan Amount of XXXXXvs. an allowable total ofXXXXX (an overage of XXXXX or XXXXX). Points and fees disclosed on final Closing Disclosure exceeds allowable amount. Points and Fees on subject loan of XXXXX is in excess of the allowable maximum of XXXXX   Reviewer Comment (2018-07-20): Received rate sheet with undiscounted rate exception has been cleared. Seller Comment (2018-07-20): The discount fee of XXXXXwas excluded in the QM Points and Fees testing due to being Bona Fide. Total actual fee amount included in Points and Fees testing XXXXX. See below supporting details. The Starting Adjusted Rate of XXXXX did not exceed the applicable bona fide discount point rate threshold which is the comparable APOR of XXXXX +XXXXX = XXXXX. 07/20/2018     1 A 05/08/2018 CA Primary Purchase If a creditor or assignee determines after consummation that the total points and fees exceeds the 3% limit, but the loan meets the other requirements to be a QM, the excess amount can be refunded, including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) The refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments). The lender will also be required to provide a copy of the refund check and proof of delivery. C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
204126043 [Redacted] [Redacted] [Redacted] [Redacted] 07/03/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.   Reviewer Comment (2018-07-20): Received rate sheet with undiscounted rate exception has been cleared. 07/20/2018     1 A 05/08/2018 CA Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
204126043 [Redacted] [Redacted] [Redacted] [Redacted] 07/03/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) 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 XXXXX, while closing CD seller's fees total XXXXX   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 05/08/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
204126044 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (FinalXXXXX) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Sellers CD shows $50,065.00 Buyers CD shows XXXXX.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 05/11/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A A A B A A A Safe Harbor QM Safe Harbor QM Yes
204126049 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date. Disaster Name: ___ Disaster Declaration Date: ___   Appraisal/Inspection was performed after the disaster date FICO 771 LTV 60 10.70 months in reserves. Reviewer Comment (2018-07-13): XXXXX elected to waive the exception.     07/13/2018 2 B 05/11/2018 CA Primary Refinance - Cash-out - Other   C B B B C B A A Safe Harbor QM Safe Harbor QM No
204126049 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Loan Closed on XXXXX - Most recent tax returns for XXXXX were not provided. The tax returns used were not current based on the closing date. the filing of the extension does not make the stale returns current, it just means the consumer is deferring their filing with the IRS. Specifically the income being used to qualify is not based on recent returns.   Reviewer Comment (2018-07-25): XXXXX elected to waive the exception.     07/25/2018 2 B 05/11/2018 CA Primary Refinance - Cash-out - Other   C B B B C B A A Safe Harbor QM Safe Harbor QM No
204126049 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Loan Closed on XXXXX - Most recent tax returns for XXXXX were not provided. The tax returns used were not current based on the closing date. the filing of the extension does not make the stale returns current, it just means the consumer is deferring their filing with the IRS. Specifically the income being used to qualify is not based on recent returns.   Reviewer Comment (2018-07-25): XXXXX elected to waive the exception.     07/25/2018 2 B 05/11/2018 CA Primary Refinance - Cash-out - Other   C B B B C B A A Safe Harbor QM Safe Harbor QM No
204126049 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Loan Closed on XXXXXX - Most recent tax returns for XXXXX were not provided. The tax returns used were not current based on the closing date. the filing of the extension does not make the stale returns current, it just means the consumer is deferring their filing with the IRS. Specifically the income being used to qualify is not based on recent returns.   Reviewer Comment (2018-07-25): XXXXX elected to waive the exception.     07/25/2018 2 B 05/11/2018 CA Primary Refinance - Cash-out - Other   C B B B C B A A Safe Harbor QM Safe Harbor QM No
204126049 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, theXXXXXform should have been used. Subject loan was a refinance with the original creditor that resulted in an increase in the amount of credit previously provided. Notice of Right To Cancel form XXXXX is required.   Reviewer Comment (2018-07-20): Received re-disclosed right of rescission using correct model form, LOE and proof of delivery exception has been cured.   07/20/2018   2 B 05/11/2018 CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C B A A Safe Harbor QM Safe Harbor QM Yes
204126049 [Redacted] [Redacted] [Redacted] [Redacted] 07/10/2018 Compliance Compliance State Compliance California Impound Disclosure and Waiver Timing Test XXXXX State Disclosure: Borrower not provided Impound Disclosure prior to closing. Borrower provided Impound Disclosure at closing XXXXX   Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-07-11): XXXXX elected to waive the exception. 02/21/2019     1 A 05/11/2018 CA Primary Refinance - Cash-out - Other   C B B B C B A A Safe Harbor QM Safe Harbor QM No
204126051 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Loan fails QM due to excessive points and fees.   Reviewer Comment (2018-07-20): Received rate sheet with undiscounted rate exception has been cleared. 07/20/2018     1 A 05/11/2018 ID Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126051 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXXXX is in excess of the allowable maximum of XXXXX of the Federal Total Loan Amount. Points and Fees total XXXXXon a Federal Total Loan Amount of XXXXXvs. an allowable total ofXXXXX (an overage of XXXXX or XXXXX). Points and Fees on subject loan of XXXXX is in excess of the allowable maximum of XXXXX of the Federal Total Loan Amount.   Reviewer Comment (2018-07-20): Received rate sheet with undiscounted rate exception has been cleared. Seller Comment (2018-07-20): The discount fee of XXXXX) was excluded in the QM Points and Fees testing due to being Bona Fide. Total actual fee amount included in Points and Fees testing = XXXXX= XXXXX < XXXXX. See below supporting details. The Starting Adjusted Rate of XXXXXdid not exceed the applicable bona fide discount point rate threshold which is the comparable APOR of XXXXX+ XXXXX = XXXXX 07/20/2018     1 A 05/11/2018 ID Primary Refinance - Rate/Term If a creditor or assignee determines after consummation that the total points and fees exceeds the 3% limit, but the loan meets the other requirements to be a QM, the excess amount can be refunded, including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) The refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments). The lender will also be required to provide a copy of the refund check and proof of delivery. C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126051 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/11/2018 ID Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126051 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/11/2018 ID Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126052 [Redacted] [Redacted] [Redacted] [Redacted] 07/10/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitialXXXXX) Closing date XXXXX and Disclosure dated XXXXX. Actual business days less than 3   Reviewer Comment (2018-07-20): Title company CD not included in testing, evidence of earlier receipt provided exception has been cleared. Seller Comment (2018-07-20): After reviewing the given exception. It is concluded on our end that the CD in question, datedXXXXX was generated from title to be used as a fee Break down for XXXXX to input the fees on our end prior to issuing the actual initial CD to the borrower. We did not generate this CD datedXXXXX, title did for reference purposes only. It was not disclosed to the borrower at any point nor was it intended to be an actual borrower disclosure. Attached you will find the Final CD signed and dated XXXXX by the borrower along with theXXXXX 07/20/2018     1 A 05/21/2018 FL Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
204126052 [Redacted] [Redacted] [Redacted] [Redacted] 07/10/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/21/2018 FL Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
204126053 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided       Reviewer Comment (2018-07-20): Received approval exception has been cleared. 07/20/2018     1 A 05/03/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126053 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance State Compliance California Impound Disclosure and Waiver Status Test XXXXX State Disclosure: Borrower not provided Impound Disclosure. Impound Waiver is missing   Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-07-11): XXXXX elected to waive the exception. 02/21/2019     1 A 05/03/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126053 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXXX) Corrected to show no escrows on post-close CD issued XXXXX.   Reviewer Comment (2018-07-09): The seller provided Letter of Explanation & Corrected Post Close Closing Disclosure   07/09/2018   2 B 05/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126053 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXXX) Corrected to show no escrows on post-close CD issued XXXXX.   Reviewer Comment (2018-07-09): The Seller provided a Letter of Explanation & Corrected Post Close Closing Disclosure   07/09/2018   2 B 05/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126053 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Corrected to show 5/4/2018 per post-close CD issued XXXXX.   Reviewer Comment (2018-07-09): The Seller provided a Letter of Explanation & Corrected Post Close Closing Disclosure   07/09/2018   1 A 05/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126053 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Corrected to show XXXXX on post-close CD issued XXXXX.   Reviewer Comment (2018-07-10): The Seller provided a Letter of Explanation & Corrected Post Close Closing Disclosure   07/10/2018   2 B 05/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126053 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made . ?   Reviewer Comment (2018-07-09): The Seller provided a Letter of Explanation & Corrected Post Close Closing Disclosure   07/09/2018   1 A 05/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126053 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date.   Updated HOI policy in file dated 3 days after note date.   Reviewer Comment (2018-07-20): Received updated HOI exception has been cleared. 07/20/2018     1 A 05/03/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126054 [Redacted] [Redacted] [Redacted] [Redacted] 07/07/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Loan closed on XXXXX - Most recent Business Tax Returns for XXXXX were not provided. The tax returns used were not current based on the closing date. the filing of the extension does not make the stale returns current, it just means the consumer is deferring their filing with the IRS. Specifically the income being used to qualify is not based on recent returns.   Reviewer Comment (2018-07-25): XXXXX elected to waive the exception.     07/25/2018 2 B 05/22/2018 CA Primary Purchase   C B B B C B A A Safe Harbor QM Safe Harbor QM No
204126054 [Redacted] [Redacted] [Redacted] [Redacted] 07/07/2018 Compliance Compliance State Compliance California Impound Disclosure and Waiver Status Test XXXXX State Disclosure: Borrower not provided Impound Disclosure.     Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-07-11): XXXXX elected to waive the exception. 02/21/2019     1 A 05/22/2018 CA Primary Purchase   C B B B C B A A Safe Harbor QM Safe Harbor QM No
204126054 [Redacted] [Redacted] [Redacted] [Redacted] 07/07/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX1 on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Based on annual hazard insurance of XXXXX and annual taxes of XXXXX, cost over year 1 should have been XXXXX   Reviewer Comment (2018-08-03): After further review exception has been cleared Reviewer Comment (2018-07-26): Amount of Escrowed Property Costs over Year 1 ofXXXXX on Final Closing Disclosure provided on XXXXX not accurate. 08/03/2018     1 A 05/22/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Safe Harbor QM Safe Harbor QM Yes
204126054 [Redacted] [Redacted] [Redacted] [Redacted] 07/07/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. xxxxx Lender used an annual real estate tax amount of XXXXX or XXXXX per month. Final Closing disclosure reflects a monthly real estate tax amount of XXXXX.   Reviewer Comment (2018-07-26): The seller provided the subject properties tax bill 07/26/2018     1 A 05/22/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B B B C B A A Safe Harbor QM Safe Harbor QM Yes
204126054 [Redacted] [Redacted] [Redacted] [Redacted] 07/07/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. Xxxxx Lender used an annual real estate tax amount of XXXXX or XXXXX per month. Final Closing disclosure reflects a monthly real estate tax amount of XXXXX.   Reviewer Comment (2018-07-26): The seller provided the subject properties tax bill 07/26/2018     1 A 05/22/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B B B C B A A Safe Harbor QM Safe Harbor QM Yes
204126054 [Redacted] [Redacted] [Redacted] [Redacted] 07/07/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Final Consumer's CD did not disclose seller paid fees.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 05/22/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Safe Harbor QM Safe Harbor QM Yes
204126054 [Redacted] [Redacted] [Redacted] [Redacted] 07/07/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date. Disaster Name: ___ Disaster Declaration Date: ___ The subject property is located in a XXXXX disaster that does not have a declared end date. Disaster Declaration Date: XXXXX 771 representative FICO score > 680 guideline minimum - 91 points above guideline minimum 22 months reserves > 9 months guideline minimum. LTV 66.1 Appraisal/Inspection was performed after the disaster date Appraisal/Inspection was performed after the disaster date Reviewer Comment (2018-07-13): XXXXX elected to waive the exception.     07/13/2018 2 B 05/22/2018 CA Primary Purchase   C B B B C B A A Safe Harbor QM Safe Harbor QM No
204126054 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Loan closed on XXXXX - Most recent Business Tax Returns for XXXXX were not provided. The tax returns used were not current based on the closing date. the filing of the extension does not make the stale returns current, it just means the consumer is deferring their filing with the IRS. Specifically the income being used to qualify is not based on recent returns.   Reviewer Comment (2018-07-25): XXXXX elected to waive the exception.     07/25/2018 2 B 05/22/2018 CA Primary Purchase   C B B B C B A A Safe Harbor QM Safe Harbor QM No
204126054 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Borrowers did not use the vendor on SSPL for all Title Services, however, the fees were listed on section B instead of section C of Closing Disclosure. Note: Vendor shown on SSPL for Title Services is XXXXX. Vendor(s) on Final Closing Disclosure are XXXXX and XXXXX.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/22/2018 CA Primary Purchase Good Faith Redisclosure C B B B C B A A Safe Harbor QM Safe Harbor QM Yes
204126055 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final disclosure reflects an increase in total costs including those paid by the seller exceeding the legal limit, insufficient cure provided at closing   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/23/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126055 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) Fee Amount of XXXXX exceeds tolerance of XXXXX. Seller transfer taxes in the amount of XXXXX are included in this amount. Purchase contract does not indicate that seller will pay portion of the transfer tax.   Reviewer Comment (2018-07-26): This fee was seller paid, and is customarily paid by Seller in XXXXX 07/26/2018     1 A 05/23/2018 NY Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126056 [Redacted] [Redacted] [Redacted] [Redacted] 07/06/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided       Reviewer Comment (2018-07-23): Received approval issue cleared. 07/23/2018     1 A 05/15/2018 CA Primary Purchase   C A C A C A C A Safe Harbor QM Safe Harbor QM No
204126056 [Redacted] [Redacted] [Redacted] [Redacted] 07/06/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on 05/16/2018 not accurate. (Final/XXX) Final CD reflects Estimated Property Costs over Year 1 of XXXXX. Calculated amount is XXXXX   Reviewer Comment (2018-07-30): Guideline requirements met, Seller used actual tax bases for calculations. Reviewer Comment (2018-07-25): XXXXXstates a tax percentage of XXXXX was used to calculate property taxes for subject purchase, as opposed to theXXXXX. Exception is referred to XXXXXfor review and disposition. Seller Comment (2018-07-25): XXXXX used the actual tax percentage of XXXXX versus the rule of thumb XXXXX when calculating the annual tax amount. Additionally, there was special assessments totaling XXXXX / year. XXXXX X XXXXX = XXXXX + XXXXX = XXXXX / 12 = XXXXX XXXXX(TAX) + XXXXX (HOI) = XXXXX as listed on the Final CD. 07/30/2018     1 A 05/15/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A Safe Harbor QM Safe Harbor QM Yes
204126056 [Redacted] [Redacted] [Redacted] [Redacted] 07/06/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/05/16/2018) TRID non-compliant. Seller paid fees on Seller CD are not consistent with seller paid fees on Borrower Final CD. Seller CD reflects XXXXX in seller paid fees. Borrower Final CD reflects XXXXX in seller paid fees.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 05/15/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A Safe Harbor QM Safe Harbor QM Yes
204126056 [Redacted] [Redacted] [Redacted] [Redacted] 07/06/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing pages 3 - 5 of Field Review. Only pages 1 and 2 are evidenced in loan file.   Reviewer Comment (2018-07-20): Received all pages of field review exception has been cleared. 07/20/2018     1 A 05/15/2018 CA Primary Purchase   C A C A C A C A Safe Harbor QM Safe Harbor QM No
204126057 [Redacted] [Redacted] [Redacted] [Redacted] 07/10/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Loan closed XXXXX - Missing XXXXX Tax Returns The tax returns used were not current based on the closing date. the filing of the extension does not make the stale returns current, it just means the consumer is deferring their filing with the IRS. Specifically the income being used to qualify is not based on recent returns.   Reviewer Comment (2018-07-25): XXXXX elected to waive the exception.     07/25/2018 2 B 05/23/2018 WA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204126057 [Redacted] [Redacted] [Redacted] [Redacted] 07/10/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX Tax Return Due Date XXXXX. (XXXXX) Loan closed XXXXX- Missing XXXXX Tax Returns The tax returns used were not current based on the closing date. the filing of the extension does not make the stale returns current, it just means the consumer is deferring their filing with the IRS. Specifically the income being used to qualify is not based on recent returns.   Reviewer Comment (2018-07-24): Received verification of un-discounted rate and price. Bona Fide discount points; passes XXXXX 07/24/2018     1 A 05/23/2018 WA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204126057 [Redacted] [Redacted] [Redacted] [Redacted] 07/10/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Closing Disclosure disclosed a Closing Date of XXXXX. Deed of Trust was notarized on XXXXX.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/23/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126057 [Redacted] [Redacted] [Redacted] [Redacted] 07/10/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) TRID non-compliant. Seller's Final Closing Disclosure disclosed total seller paid fees of XXXXX. Buyer's Final Closing Disclosure disclosed seller paid fees of XXXXX. Difference is due to two mortgage payoffs were incorrectly disclosed in Section H on the Buyer's CD, but correctly disclosed on the Seller's CD under Section N, Due From Seller at Closing.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 05/23/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126057 [Redacted] [Redacted] [Redacted] [Redacted] 07/10/2018 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXXXX is in excess of the allowable maximum of XXXXX of the Federal Total Loan Amount. Points and Fees total XXXXXon a Federal Total Loan Amount of XXXXXvs. an allowable total ofXXXXX (an overage of XXXXX or XXXXX). QM Points and Fees results in images do not include discount points in testing. Discount points included in XXXXX testing. Missing evidence of undiscounted rate and price for undiscounted rate to determine if discount points are bona fide.   Reviewer Comment (2018-07-24): Received verification of un-discounted rate and price. Bona Fide discount points; passes XXXXX 07/24/2018     1 A 05/23/2018 WA Primary Purchase If a creditor or assignee determines after consummation that the total points and fees exceeds the 3% limit, but the loan meets the other requirements to be a QM, the excess amount can be refunded, including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) The refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments). The lender will also be required to provide a copy of the refund check and proof of delivery. C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126057 [Redacted] [Redacted] [Redacted] [Redacted] 07/10/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Subject loan does not meet the requirements of Safe Harbor QM due to failing the QM points and fees test.   Reviewer Comment (2018-07-24): Received verification of un-discounted rate and price. Bona Fide discount points; passes XXXXX 07/24/2018     1 A 05/23/2018 WA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126058 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/05/11/2018) Consumer's Final CD signed and dated on XXXXX, document indicated Closing Date of XXXXX. Closing Date was corrected on the Post Close Closing Disclosure dated XXXXX, however required letter of explanation supplied to the borrower with the PCCD was not located in file.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/11/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126058 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance State Compliance XXXXX Impound Disclosure and Waiver Timing Test XXXXX State Disclosure: Borrower not provided Impound Disclosure prior to closing. Disclosure provided was dated day of consummation, XXXXX.   Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-07-11): XXXXX elected to waive the exception. 02/21/2019     1 A 05/11/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204126058 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Consumer's Final CD did not disclose Seller Paid Fees at the time of consummation.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 05/11/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126058 [Redacted] [Redacted] [Redacted] [Redacted] 07/06/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Values TIL-RESPA Integrated Disclosure - Final Closing Disclosure provided on XXXXX contains estimated values that do not represent final terms or closing costs to the borrower. (Final/XXXXX) CD reflects XXXXX Title - Padding fee. Data was corrected onthe Post Close CD dated XXXXX, however required letter of explanation not found in file.   Reviewer Comment (2018-07-20): Received Post Consummation disclosure and LOE exception has been cured.   07/20/2018   2 B 05/11/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126059 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXXX) Final CD dated same date as closing, No evidence of early receipt located in the file   Reviewer Comment (2018-07-24): Received Initial CD exception has been cleared. 07/24/2018     1 A 05/25/2018 CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126059 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Borrower signed Right to Receive Copy of Appraisal at closing, acknowledging receipt of appraisal.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/25/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126059 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX   Reviewer Comment (2018-08-06): Received evidence of XXXXX In Taxes. Issue cleared. Reviewer Comment (2018-08-01): Taxes per tax cert and preliminary title in file are XXXX paid semiannually for total of XXXXX we are unable to verifyXXXXX that is referenced in rebuttal. Please provide evidence of that tax amount. Reviewer Comment (2018-07-27): The seller provided calculations of Estimated monthly Taxes and insurance XXXXX times 12 months = XXXXX County taxXXXXX, HOI XXXXX, HOI(2) XXXXX =XXXXX that do not match up to the document in the file supplied please provided supporting documents to support the calculations 08/06/2018     1 A 05/25/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126059 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of XXXXX exceeds tolerance of XXXXX Sufficient or excess cure was provided to the borrower at Closing. (7579) Cure was provided to borrower as reflected on Final CD.       07/05/2018   1 A 05/25/2018 CA Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126059 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The HOI policy has a coverage shortfall of XXXXX.   Reviewer Comment (2018-07-27): Received Replacement cost valuation showing that coverage provided is sufficient. Issue cleared. 07/27/2018     1 A 05/25/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126060 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The loan date of consummation.isXXXXX, The Final and Post Close Closing Disclosure has a closing dated of XXXXX.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/26/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204126060 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) The Final Closing disclosure did not disclose the dollar amount the total closing costs exceeded the legal limits.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/26/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204126060 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX)     Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/26/2018 WA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204126060 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) TRID non compliant. Seller pad fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total XXXXX, while closing CD sellers fees total XXXXX   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 05/26/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204126061 [Redacted] [Redacted] [Redacted] [Redacted] 07/04/2018 Credit Property - Appraisal Appraisal Adjustments Excessive site value noted on appraisal without appraiser comments to justify Valuation Type: Appraisal / Valuation Report Date: XXXXX     Reviewer Comment (2018-07-24): Per appraiser site value is typical for area. Issue cleared. 07/24/2018     1 A 05/24/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126061 [Redacted] [Redacted] [Redacted] [Redacted] 07/04/2018 Compliance Compliance State Compliance XXXXX Impound Disclosure and Waiver Timing Test XXXXX State Disclosure: Borrower not provided Impound Disclosure prior to closing. The executed disclosure in file was signed at closing.   Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-07-11): XXXXX elected to waive the exception. 02/21/2019     1 A 05/24/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126061 [Redacted] [Redacted] [Redacted] [Redacted] 07/04/2018 Compliance Compliance Federal Compliance TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on XXXXX, prior to three (3) business days from transaction date of XXXXX. Subject loan transaction disbursed on XXXXX, prior to three (3) business days from transaction date of XXXXX.   Reviewer Comment (2018-07-30): Received evidence that loan was disbursed on XXXXX and borrower was notified of a correction via PCCD and LOX. Reviewer Comment (2018-07-24): Received PCCD with the disbursement date reflected as XXXXX However, the LOE to the borrower does not address this issue. Please provide LOE detailing change to the date and evidence of actual disbursement date. Reviewer Comment (2018-07-23): Received rebuttal that due to XXXXXy therefor sufficient days were provided . Issue on the loan is that XXXXX expiration date isXXXXX and disbursement date on Final CD is XXXXX so according to Final CD loan was disbursed prior to 3 days expiring. If loans is not disbursed on XXXXX please provide evidence of disbursement date.   07/30/2018   2 B 05/24/2018 CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126061 [Redacted] [Redacted] [Redacted] [Redacted] 07/04/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation.XXXXX.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 05/24/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126061 [Redacted] [Redacted] [Redacted] [Redacted] 07/06/2018 Credit Loan Package Documentation Closing / Title Title Error: Title vesting does not concur with deed   Preliminary Title Vesting is in borrower and XXXXXs name. Documentation required to support borrower only vesting for Final Title.   Reviewer Comment (2018-07-24): Received inter spousal Transfer deed. Issue cleared. 07/24/2018     1 A 05/24/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126063 [Redacted] [Redacted] [Redacted] [Redacted] 07/04/2018 Credit Loan Package Documentation Application / Processing Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided       Reviewer Comment (2018-07-24): Received deed exception has been cleared. 07/24/2018     1 A 06/05/2018 CA Primary Purchase   D B D B C B A A Safe Harbor QM Safe Harbor QM No
204126063 [Redacted] [Redacted] [Redacted] [Redacted] 07/04/2018 Credit Missing Document General Missing Document: Field Review not provided   Underwriting guidelines require field review for properties with 2 or more units. Subject property consists of XXXXX units.   Reviewer Comment (2018-07-24): Received XXXXX review exception has been cleared. 07/24/2018     1 A 06/05/2018 CA Primary Purchase   D B D B C B A A Safe Harbor QM Safe Harbor QM No
204126063 [Redacted] [Redacted] [Redacted] [Redacted] 07/04/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date. Disaster Name: ___ Disaster Declaration Date: ___ The subject property is located in a XXXXX disaster that does not have a declared end date. Disaster Declaration Date: XXXXX Appraisal/Inspection was performed after the disaster date FICO 787 36 months in reserves . Reviewer Comment (2018-07-13): XXXXX elected to waive the exception.     07/13/2018 2 B 06/05/2018 CA Primary Purchase   D B D B C B A A Safe Harbor QM Safe Harbor QM No
204126063 [Redacted] [Redacted] [Redacted] [Redacted] 07/04/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Estimated property costs over Year 1 of XXXXX disclosed on CD based on XXXXX months of monthly property costs of XXXXX. Hazard in file was XXXXX and taxes were XXXXX based on XXXXX of purchase amount, totaling XXXXX which calculates to be XXXXX for XXXXX months. Based on 1008, difference appears to be in taxes, qualified at XXXXX monthly by Lender.   Reviewer Comment (2018-07-30): The seller provided Letter of Explanation & Corrected Post Close Closing Disclosure Reviewer Comment (2018-07-24): Corrected taxes, however CD is still incorrect. Exception remains open. Please provide PCCD and LOE correcting the issue in order to cure exception. Seller Comment (2018-07-24): Per Underwriting - The amount of the RE taxes for the subject should beXXXXX/mo. the actual tax rate to calculate the RE taxes vs.XXXXX. The calculation is as follows: Purchase price of XXXXXx XXXXX percent = XXXXX+ XXXXX= XXXXX / 12 = XXXXX/mo.   07/30/2018   2 B 06/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D B C B A A Safe Harbor QM Safe Harbor QM Yes
204126063 [Redacted] [Redacted] [Redacted] [Redacted] 07/04/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (FinalXXXXX) Closing date disclosed on Final CD XXXXX.. Date of consummation XXXXX.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D B C B A A Safe Harbor QM Safe Harbor QM Yes
204126063 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) Seller's CD reflects XXXXX versus XXXXX reflected on borrower's CD.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 06/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D B C B A A Safe Harbor QM Safe Harbor QM Yes
204126063 [Redacted] [Redacted] [Redacted] [Redacted] 07/06/2018 Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Check Processing, Settlement,Courier, Doc Prep, Loan Tie-In, Notary and Examination fees reflected in section XXXXX, should be in section XXXXX. Provider used is not listed on SSPL.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/05/2018 CA Primary Purchase Good Faith Redisclosure D B D B C B A A Safe Harbor QM Safe Harbor QM Yes
204126064 [Redacted] [Redacted] [Redacted] [Redacted] 07/07/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller fees entered from the FCD and the Seller CD. TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows XXXXXin seller paid closing costs, borrower's final CD shows XXXXX Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 06/06/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
204126064 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance amount of XXXXX is not enough to cover the XXXXX of the appraisal replacement cost of XXXXX Policy reflects extended limits however, does not reflect the amount. File is missing documentation from the property insurer to establish their opinion of the property's true replacement cost in order to determine if the amount of coverage is sufficient.   Reviewer Comment (2018-08-06): Received Evidence of reconstruction cost. Coverage is sufficient. Issue cleared. Reviewer Comment (2018-07-26): Same policy provided issue remains. File is missing documentation from the property insurer to establish their opinion of the property's true replacement cost in order to determine if the amount of coverage is sufficient. 08/06/2018     1 A 06/06/2018 WA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204126064 [Redacted] [Redacted] [Redacted] [Redacted] 07/10/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Evidence of borrowers receipt of appraisal after signing waiver was not provided in file.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/06/2018 WA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204126065 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of XXXXX does not match Due Diligence Loan Designation of Non QM. Job gaps greater than 6 months need additional documentation. The borrower is required to be on the current job for at least XXXXX months and have a full XXXXX years verified employment. The borrower has been Currently employed for XXXXX years   Reviewer Comment (2018-08-01): Employment history requirement was met with the docs provided. Reviewer Comment (2018-07-27): The seller provided a VVOE for employment dated XXXXX to XXXXX 08/01/2018     1 A 06/08/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126065 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Documentation for taxes and insurance reflects a total monthly expense of XXXXX, estimated costs over year 1 of XXXXX is not accurate, calculated total cost is XXXXX   Reviewer Comment (2018-07-24): Taxes corrected exception has been cleared. Seller Comment (2018-07-24): The amount is correct at XXXXX. Annual hazard insurance Is XXXXX; taxes calculated at XXXXX of purchase price for XXXXX. XXXXX. Total isXXXXX 07/24/2018     1 A 06/08/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126065 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/08/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126065 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) 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 XXXXX, while closing CD seller's fees total XXXXX   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 06/08/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126065 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7507) Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of XXXXX exceeds tolerance ofXXXXX A cure of XXXXXwas provided to the borrower for this overage, however cure was insufficient to offset total overages including seller paid transfer fees   Reviewer Comment (2018-07-24): Cure provided on on final CD.   07/24/2018   2 B 06/08/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126065 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) Transfer tax fee increased without a valid change of circumstance. Cure of XXXXX provided to the borrower was insufficient to offset total overages   Reviewer Comment (2018-07-24): Received final settlement statement. This fee was seller paid, and is customarily paid by Seller in the state of XXXXX Exception has been cleared. Reviewer Comment (2018-07-11): Per Review seller fees are included in tolerance testing. No evidence located. This fee was seller paid, and is customarily paid by Seller in the state of XXXXX 07/24/2018     1 A 06/08/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126065 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD disclosed the Closing Date of XXXXX. Consummation date is XXXXX   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/08/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204126065 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on XXXXX was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/XXXXX) Initial LE was esigned on XXXXX. Earliest E-sign Consent disclosure found in file is dated XXXXX   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/08/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
204126065 [Redacted] [Redacted] [Redacted] [Redacted] 07/05/2018 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXXX) Job gaps greater than XXXXX months need additional documentation. The Co-Borrower is required to be on the current job for at least XXXXX months and have a full XXXXX years verified employment. The borrower has been Currently employed for XXXXX years.   Reviewer Comment (2018-08-01): Employment history requirement was met with the docs provided. Reviewer Comment (2018-07-27): The seller provided a VVOE for employment datedXXXXX to XXXXX 08/01/2018     1 A 06/08/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204126067 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/11/2018 WA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126067 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) Final CD reflects cure of XXXXX which is insufficient to cure XXXXX tolerance violation for discount points of XXXXX.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/11/2018 WA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126067 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7200) Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXXX exceeds tolerance of XXXXX. No COC, Insufficient or no cure was provided to the borrower.   Reviewer Comment (2018-07-20): Received Change of Circumstance exception has been cleared. 07/20/2018     1 A 06/11/2018 WA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126067 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/XXXXX) Final CD reflects per diem rate ofXXXXX per day X XXXXXdays = XXXXX. The Final CD reflected a total of XXXXX that equals a per diem rate of XXXXX per day   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/11/2018 WA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126067 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/XXXXX) Closing disclosure reflects appraised property value ofXXXXX which is sale price of property which was less than XXXXX months prior.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/11/2018 WA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204126067 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate XXXXX received on or after the date the Closing Disclosure XXXXX XXXXX AM was received. (Interim/XXXXX) Revised loan estimate dated XXXXX no documentation in file was received prior to initial CD dated XXXXX being received by borrower.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/11/2018 WA Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126067 [Redacted] [Redacted] [Redacted] [Redacted] 07/09/2018 Credit Property - Appraisal Appraisal Adjustments Excessive site value noted on appraisal without appraiser comments to justify Valuation Type: Appraisal / Valuation Report Date: XXXXX Appraiser did not provide explanation for excessive site value.   Reviewer Comment (2018-07-20): Appraiser commented on site value exception has been cleared. 07/20/2018     1 A 06/11/2018 WA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204126068 [Redacted] [Redacted] [Redacted] [Redacted] 07/03/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Evidence of appraisal being delivered to borrower was not located in the file.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/14/2018 WA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204126068 [Redacted] [Redacted] [Redacted] [Redacted] 07/03/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Closing Disclosure reflects a closing date as XXXXX; Security Instrument notary date is XXXXX.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/14/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204126068 [Redacted] [Redacted] [Redacted] [Redacted] 07/03/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller Change - Deposit TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether there was a change in the Deposit. (Final/XXXXX) Closing Disclosure reflects change from XXXXX to XXXXX; Did this Change is answered Yes; but should be answered No since the LE is rounded up to the nearest whole number.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 2 B 06/14/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204126068 [Redacted] [Redacted] [Redacted] [Redacted] 07/06/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (FinalXXXXX) Seller paid fees on the buyers Closing Disclosure is XXXXX; seller paid fees on the sellers Closing Disclosure is XXXXX.   Reviewer Comment (2018-07-11): XXXXX elected to waive the exception.     07/11/2018 1 A 06/14/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204189355 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance State Compliance XXXXX Impound Disclosure and Waiver Status Test XXXXX State Disclosure: Borrower not provided Impound Disclosure. Copy of disclosure not in file.   Reviewer Comment (2019-02-21): Outside of Scope Reviewer Comment (2018-07-26): XXXXX elected to waive the exception. 02/21/2019     1 A 06/12/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204189355 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance State Compliance XXXXX Notice to Cosigner Status XXXXX State Disclosure: Borrower not provided Cosigner Disclosure. Copy of disclosure not in file.   Reviewer Comment (2018-07-30): Not Required if there is no cosigner and is not required for spouse. Exception cleared. Seller Comment (2018-07-30): First comment tagged to incorrect condition. Rebuttal for XXXXX Disclosure condition: The other borrower is not a "cosignor" they are a co-applicant. They are obtaining ownership in the property and thus required to sign and share in the debt. This does not apply. Seller Comment (2018-07-30): Final settlement statement attached reflecting disbursement/funding date ofXXXXX. PerXXXXX "For Purchase transactions, the insurance policy (or polices) must be effective on or no more than XXXXX days prior to the funding date". The policy was effective on the date of funding. 07/30/2018     1 A 06/12/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204189355 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Disclosure does not reflect Lender Contact and Contact NMLS ID.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
204189355 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Erroneous Reg ID 2933. No tolerance violation of Transfer Tax and Settlement Fee due to being seller paid.   Reviewer Comment (2018-07-24): Post Close CD and LOX (XXXXX) dated XXXXX provided with correction.   07/24/2018   2 B 06/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
204189355 [Redacted] [Redacted] [Redacted] [Redacted] 07/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX) Evidence of being provided to borrower not in file.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/12/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204189355 [Redacted] [Redacted] [Redacted] [Redacted] 07/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) Seller paid fees on the buyers Closing Disclosure is XXXXX; seller paid fees on the sellers Closing Disclosure is XXXXX. Seller paid fees not listed on the borrowers Final CD, Transfer Taxes of XXXXX Property Taxes of XXXXX, Realtor Commissions of XXXXX, Home Warranty of XXXXX, Hazard Disclosure of XXXXX, Rent back of XXXXX and Security Deposit of XXXXX. Discrepancy is Buyer CD reflects Owner's Title as XXXXX and Seller CD reflects XXXXX   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 06/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
204189355 [Redacted] [Redacted] [Redacted] [Redacted] 07/24/2018 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date: ___ Ins policy reflects an effective date of XXXXX; closing date is XXXXX and disbursement date is XXXXX.   Reviewer Comment (2018-07-30): Certified copy of the settlement statement shows a funding date of XXXXX. HOI is acceptable. Seller Comment (2018-07-30): Final settlement statement attached reflecting disbursement/funding date of XXXXX. Per XXXXX "For Purchase transactions, the insurance policy (or polices) must be effective on or no more thanXXXXX days prior to the funding date". The policy was effective on the date of funding. 07/30/2018     1 A 06/12/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204189357 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance Disparity in Occupancy The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home) Per letter in file borrower intended to occupy as primary. Lender underwrote as XXXXX due to borrower current primary about XXXXXaway.   Reviewer Comment (2018-07-30): Multiple letters of explanation regarding reasons loan was submitted as primary residence but underwritten as second home. Exception cleared. Seller Comment (2018-07-30): Based on the borrower LOE, the borrower stated they will use the subject aboutXXXXX of the week. The XXXXXused a conservative approach and classified this as XXXXX. 07/30/2018     1 A 06/07/2018 CA Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189357 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Final CD does not reflect lender contact name or NMLS number as required.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/07/2018 CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189357 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) Seller closing disclosure reflects fees of XXXXX however calculated seller fees total XXXXX.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 06/07/2018 CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189357 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Credit Insurance Insurance Documentation Missing Document: Hazard Dec Page not provided   Missing XXXXX policy.   Reviewer Comment (2018-07-30): Blanket policy states "Walls In Coverage Included". Exception cleared. Seller Comment (2018-07-30): Master HOA policy attached reflecting "Walls In Coverage Included", additional HO6 would not be required. 07/30/2018     1 A 06/07/2018 CA Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Missing XXXXX, Signed XXXXX and XXXXX XXXXX, and Balance Sheet   Reviewer Comment (2018-07-31): XXXXX and XXXXX signed XXXXX, and balance sheets provided Seller Comment (2018-07-30): XXXXX extension and validation showing no record found attached. XXXXX and XXXXX signed XXXXX attached. XXXXX prepared balance sheets for XXXX business and XXXXX. 07/31/2018     1 A 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Missing XXXXX, Signed XXXXX and XXXXX XXXXX, and Balance Sheet   Reviewer Comment (2018-07-31): XXXXX and XXXXX signed XXXXX, and balance sheets provided Seller Comment (2018-07-30): XXXXX extension and validation showing no record found attached. XXXXX and XXXXX signed XXXXX attached. XXXXX prepared balance sheets for XXXX business and XXXXX. 07/31/2018     1 A 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Missing third party verification for self-employed business.   Reviewer Comment (2018-07-31): CPA letters provided Seller Comment (2018-07-30): SE VOE business searches attached. 07/31/2018     1 A 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Missing XXXXX, Signed XXXXX and XXXXX XXXXX, and Balance Sheet   Reviewer Comment (2018-08-02): XXXXX elected to waive the exception. Reviewer Comment (2018-07-31): Lender guidelines are met. Documentation does not meet XXXXX Seller Comment (2018-07-31): All XXXXX have been met. Per section XXXXX- "If the Borrower has not filed their return for the most recent year, then a copy of Form XXXXX, Application for Automatic Extension for personal returns, or Form XXXXX for business returns, is required in order to use the return for the previous year. XXXXX personal returns filing deadline is XXXXX. Extension up toXXXXX." Two years previous returns were obtained since 2017 1040s have not been filed. Documentation in file confirms XXXXXhas been filed, extension has been accepted, and validations confirm they have not been filed. Reviewer Comment (2018-07-31): Signed XXXXX and XXXXX's, and Balance Sheets provided. Missing XXXXX. XXXXX transcript request stating "No record of return filed" provided. Seller Comment (2018-07-30): XXXXX extension and validation showing no record found attached. XXXXX and XXXXX signed XXXXX attached. XXXXX prepared balance sheets for XXXX business and XXXXX.     08/02/2018 2 B 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Missing XXXXX, Signed XXXXX and XXXXX XXXXX, and Balance Sheet   Reviewer Comment (2018-08-02): XXXXX elected to waive the exception. Reviewer Comment (2018-07-31): Lender guidelines are met. Documentation does not meet XXXXX Seller Comment (2018-07-31): All XXXXX have been met. Per section XXXXX- "If the Borrower has not filed their return for the most recent year, then a copy of Form XXXXX, Application for Automatic Extension for personal returns, or Form XXXXX for business returns, is required in order to use the return for the previous year. XXXXX personal returns filing deadline is XXXXX. Extension up toXXXXX." Two years previous returns were obtained since 2017 1040s have not been filed. Documentation in file confirms XXXXXhas been filed, extension has been accepted, and validations confirm they have not been filed. Reviewer Comment (2018-07-31): Signed XXXXXand XXXXXs, and Balance Sheets provided. Missing XXXXX. XXXXX FormXXXXX provided to document extension. Seller Comment (2018-07-30): XXXXX extension and validation showing no record found attached. XXXXX and XXXXX signed XXXXX attached. XXXXX prepared balance sheets for XXXX business and XXXXX.     08/02/2018 2 B 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Missing XXXXX, Signed XXXXX and XXXXX XXXXX, and Balance Sheet   Reviewer Comment (2018-08-02): XXXXX elected to waive the exception. Reviewer Comment (2018-07-31): Lender guidelines are met. Documentation does not meet XXXXX Seller Comment (2018-07-31): All XXXXX have been met. Per section XXXXX- "If the Borrower has not filed their return for the most recent year, then a copy of Form XXXXX, Application for Automatic Extension for personal returns, or Form XXXXX for business returns, is required in order to use the return for the previous year. XXXXX personal returns filing deadline is XXXXX. Extension up toXXXXX." Two years previous returns were obtained since 2017 1040s have not been filed. Documentation in file confirms XXXXXhas been filed, extension has been accepted, and validations confirm they have not been filed. Reviewer Comment (2018-07-31): Signed XXXXX and XXXXX's, and Balance Sheets provided. Missing XXXXX. XXXXX transcript request stating "No record of return filed" provided. Seller Comment (2018-07-30): XXXXX extension and validation showing no record found attached. XXXXX and XXXXX signed XXXXX attached. XXXXX prepared balance sheets for XXXX business and XXXXX.     08/02/2018 2 B 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX). (XXXXX) Missing XXXXX, Signed XXXXX and XXXXX XXXXX, and Balance Sheet   Reviewer Comment (2018-07-31): XXXXX and XXXXX signed XXXXX, and balance sheets provided Seller Comment (2018-07-30): XXXXX extension and validation showing no record found attached. XXXXX and XXXXX signed XXXXX attached. XXXXX prepared balance sheets for XXXX business and XXXXX. 07/31/2018     1 A 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Notice of Special Flood Hazard Disclosure Not Provided Timely XXXXX Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Disclosure was provided at closing. Evidence of earlier receipt not found in file.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Missing XXXXX, Signed XXXXX and XXXXX XXXXX, and Balance Sheet   Reviewer Comment (2018-07-31): XXXXX and XXXXX signed XXXXX, and balance sheets provided Seller Comment (2018-07-30): XXXXX extension and validation showing no record found attached. XXXXX and XXXXX signed XXXXX attached. XXXXX prepared balance sheets for XXXX business and XXXXX. 07/31/2018     1 A 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX Tax Return Due Date XXXXX. (XXXXX) Missing XXXXX, Signed XXXXX and XXXXX XXXXX, and Balance Sheet   Reviewer Comment (2018-07-31): XXXXX and XXXXX signed XXXXX, and balance sheets provided Seller Comment (2018-07-30): XXXXX extension and validation showing no record found attached. XXXXX and XXXXX signed XXXXX attached. XXXXX prepared balance sheets for XXXX business and XXXXX. 07/31/2018     1 A 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX Tax Return Due Date XXXXX. (XXXXX) Missing XXXXX, Signed XXXXX and XXXXX XXXXX, and Balance Sheet   Reviewer Comment (2018-07-31): XXXXX and XXXXX signed XXXXX, and balance sheets provided Seller Comment (2018-07-30): XXXXX extension and validation showing no record found attached. XXXXX and XXXXX signed XXXXX attached. XXXXX prepared balance sheets for XXXX business and XXXXX. 07/31/2018     1 A 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (XXXXX) does not match Due Diligence Loan Designation of Non QM. Missing XXXXX, Signed XXXXX and XXXXX XXXXX, and Balance Sheet   Reviewer Comment (2018-07-31): Loan was designated as XXXXX in file at time of review Seller Comment (2018-07-30): XXXXX extension and validation showing no record found attached. XXXXX and XXXXX signed XXXXX attached. XXXXX prepared balance sheets for XXXX business and XXXXX. 07/31/2018     1 A 06/22/2018 TX Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.     Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering compliance/Safe Harbor Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.     Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/22/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Information not provided on final Closing Dislcosure   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/22/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (FinalXXXXX) Buyer's Closing Disclosure reflects XXXXX and Seller's Closing Disclosure reflects XXXXX.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 06/22/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189358 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Lender is using a lower amount for the real estate taxes than what was verified on the tax certificate in file.   Reviewer Comment (2018-08-08): Letter of Explanation & Corrected Closing Disclosure provided. Seller Comment (2018-08-08): Cover page for the Post Close CD reflecting the reason for the new disclosure is attached. Reviewer Comment (2018-08-02): XXXXX received Post Close CD dated XXXXX. Letter of Explanation to borrower required to cure. Seller Comment (2018-08-02): Revised CD attached Reviewer Comment (2018-07-31): The borrower did not escrow taxes or insurance. The monthly taxes are XXXX and the monthly HOI is XXXXX = total xxxxx monthly or XXXXX annually. The final CD disclosed an amount of XXXXX. Exception remains open. Seller Comment (2018-07-30): XXXXX attached, UW used the total estimatedXXXXX without exemptions of XXXXX per page 2.   08/08/2018   2 B 06/22/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189359 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided   Unable to locate flood certificate in file.   Reviewer Comment (2018-07-31): XXXXX cert provided Seller Comment (2018-07-31): XXXXX Cert attached 07/31/2018     1 A 06/28/2018 WA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189359 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXXX) XXXXX has an employment gap of over XXXX days in XXXXX 2 year employment history without a letter of explanation, which is required per the guidelines. VVOE's in file verify gap of almost XXXXX days.   Reviewer Comment (2018-07-31): Borrower letter of explanation provided Seller Comment (2018-07-31): Borrower LOE attached. 07/31/2018     1 A 06/28/2018 WA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189359 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Unable to determine when the borrower received a copy of the appraisal with documentation provided.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/28/2018 WA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189359 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. The loan was approved as XXXXXper lender comments in the file, however loan has failed loan designation due to gap of employment for XXXXX. Complete 2 year work history not provided and missing LOE for gap of employment.   Reviewer Comment (2018-07-31): Borrower letter of explanation provided Seller Comment (2018-07-31): Borrower LOE attached. 07/31/2018     1 A 06/28/2018 WA Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189359 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. The initial affiliated disclosure dated at application was not signed by the borrower.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/28/2018 WA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189359 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The final CD reflects a closing date of XXXXX, however the borrower's signature date and the Notary date is XXXXX.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/28/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189359 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) A cure of XXXXX is reflected which cures the borrower's portion of the recording fee. The remaining amount was paid by the seller along with the transfer taxes.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/28/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189359 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) A cure of XXXXX is reflected which cures the borrower portion of the violation .XXXXX was paid by the seller however there is no indication in file that seller will pay portion of the recording fee.   Reviewer Comment (2018-08-09): The XXXXX - seller statement reflects a XXXXXexcise fee toXXXXX, XXXXX Cure for XXXXXissued at closing. Seller Comment (2018-08-01): The XXXXX only discusses what to do in situations where costs paid by a XXXXX are out of tolerance according to the reg. In this case the fee was not paid by the consumer and is not factored into the tolerance. Reviewer Comment (2018-07-31): No statement in the purchase contract or other documentation in file to state seller to pay a portion of the XXXXX. Seller Comment (2018-07-31): The regulation does not require the lender to cure seller paid fees. 08/09/2018     1 A 06/28/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189359 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date: ___ Lender to provide evidence of insurance at the time of closing.   Reviewer Comment (2018-07-31): HOI was effective as of the disbursement date Seller Comment (2018-07-31): Per XXXXX "For Purchase transactions, the insurance policy (or polices) must be effective on or no more than XXXXXdays prior to the funding date". The funding date per the final CD isXXXXX. The policy was effective on the date of funding. 07/31/2018     1 A 06/28/2018 WA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189359 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) The final CD reflects seller paid fees of XXXXX, however the seller's CD reflects seller paid fees of XXXXX   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 06/28/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189360 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 05/30/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189360 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or $XXXXX. Insufficient or no cure was provided to the borrower. (0) XXXXX tolerance fees (Recording fee) exceeded threshold by XXXXX. No statement in the purchase agreement or agreement in file that states seller is to pay a portion of the recording fees.   Reviewer Comment (2018-08-08): Buyer paid for XXXXX and XXXXXrecording. Per the XXXXX commitment a XXXXX-claim deed was to be re-recorded and would have had to be paid by the seller. Exception cleared. Seller Comment (2018-08-01): The XXXXX only discusses what to do in situations where costs paid by a consumer are out of tolerance according to the XXXXX. In this case the fee was not paid by the consumer and is not factored into the tolerance. Reviewer Comment (2018-07-31): Exception updated. Reviewer Comment (2018-07-31): Updated from: XXXXX Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance ofXXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (XXXXX) Seller Comment (2018-07-30): I do not see any violation. The title and XXXXX fees were shopped for by the borrower and are thus unlimited tolerance. All other fees remained the same or were under XXXXX tolerance. Pricing did appear to change but was part of a valid change circumstance so please make sure all revised disclosures and CD's are reviewed. 08/08/2018     1 A 05/30/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189360 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure for 10% tolerance fees totaling XXXXX was not provided.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 05/30/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189361 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance Unknown Loan Designation Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. Unable to locate loan designation due to missing information.   Reviewer Comment (2018-07-31): XXXXX loan designation provided Seller Comment (2018-07-30): ATR attached. 07/31/2018     1 A 06/18/2018 PA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189361 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure for XXXXX tolerance violation for Closing Protection Letter of XXXXX not provided.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/18/2018 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189361 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) 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 reflects XXXXXand Buyer's CD reflects XXXXX   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 06/18/2018 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189361 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) There is no evidence in file of when appraisal was sent to borrower.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/18/2018 PA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189361 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7724) No COC, insufficient or no cure was provided to the borrower was located in the file.   Reviewer Comment (2018-08-09): CPL is treated as an outsourced fee. Exception cleared. Reviewer Comment (2018-08-03): Borrower selected EXXXXXs. Closing Protection Letter was paid to XXXXX. If the borrower-chosen service provider (XXXXX) further outsourced the Title XXXXX Fee to XXXXX, we would accept an attestation confirming this. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider (XXXXX) through which the borrower indirectly selected. Seller Comment (2018-08-01): All fees were disclosed in good faith based on the best information available at the time the LE was issued. Official Interpretation to XXXXX . If a service is required by the creditor, the creditor permits the consumer to shop for that service consistent withXXXXX the creditor provides the list required by XXXXX, and the consumer chooses a service provider that is not on that list to perform that service, then the actual amounts of such fees need not be compared to the original estimates for such fees to perform the good faith analysis required by XXXXX Differences between the amounts of such charges disclosed pursuant toXXXXXand the amounts of such charges paid by or imposed on the consumer do not constitute a lack of good faith, so long as the original estimated charge, or lack of an estimated charge for a particular service, was based on the best information reasonably available to the creditor at the time the disclosure was provided. For example, if the consumer informs the creditor that the consumer will choose a settlement agent not identified by the creditor on the written list provided pursuant to XXXXX, and the creditor subsequently discloses an unreasonably low estimated settlement agent fee, then the under-disclosure does not comply with XXXXX. If the creditor permits the consumer to shop consistent with XXXXX but fails to provide the list required by XXXXX, good faith is determined pursuant to XXXXX instead of XXXXX regardless of the provider selected by the consumer, unless the provider is an affiliate of the creditor in which case good faith is determined pursuant to XXXXX Reviewer Comment (2018-07-31): In order to determine whether the borrower is permitted to shop for a service (and therefore eligible for XXXXX or unlimited tolerance), XXXXX regulations provide that shoppable services be identified on the LE. See XXXXX and related commentary which provides: Shopping for settlement service providers. 2. Disclosure of services for which the consumer may shop. Section XXXXX requires the creditor to identify the services for which the consumer is permitted to shop in the disclosures provided pursuant to XXXXX SeeXXXXX regarding the content and format for disclosure of services for which the consumer may shop. XXXXX refers to the LE and XXXXXrefers to Section C of the LE (see below). Accordingly, fees/services not disclosed in Section C of the LE are not considered services the borrower is permitted to shop for and are therefore not eligible for XXXXX or unlimited tolerance regardless of the XXXXX Note that even the XXXXX refers the borrower to see Section C on page 2 of the LE to determine which fees borrower can shop for. As the fee in question was not disclosed on the LE, the service is not considered shoppable and therefore subject to XXXXX tolerance. Notwithstanding the above, if the borrower-chosen service provider (XXXXX) further outsourced the Title Closing Protection Letter Fee to XXXXX, we would accept an attestation confirming this. Ideally, the attestation would come from the service provider (XXXXX), but if that cannot be obtained, we would accept one from the lender. The attestation should confirm that the service was outsourced by the borrower-chosen provider and should be on either the provider's or the lender's letterhead. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider (XXXXX) through which the borrower indirectly selected. Seller Comment (2018-07-30): Borrower shopped for XXXXX and XXXXX fees and thus all fees are unlimited tolerance for this category and have been listed on the CD in block C as required. 08/09/2018     1 A 06/18/2018 PA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189362 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX)     Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/12/2018 NC Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204189363 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/14/2018 OR Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189363 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final CD disclosed XXXXX as the amount by which the Total Closing Costs exceeded the legal limit.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/14/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189363 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Binding LE disclosed XXXXX total fees subject to XXXXX tolerance and Final CD disclosed XXXXX. Cure for XXXXX tolerance violation was not provided.   Reviewer Comment (2018-07-31): Seller customarily pays XXXXX fees in excess ofXXXXX and XXXXX Seller Comment (2018-07-30): Borrower shopped for XXXXX and XXXXX fees and thus all fees are unlimited tolerance for this category and have been listed on the CD in block XXXXX as required. 07/31/2018     1 A 06/14/2018 OR Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189363 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) 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 XXXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 06/14/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189363 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7726) Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.   Reviewer Comment (2018-07-31): Paid to same provider Seller Comment (2018-07-30): Borrower shopped for XXXXX and XXXXX fees and thus all fees are unlimited tolerance for this category and have been listed on the CD in block XXXXX as required. 07/31/2018     1 A 06/14/2018 OR Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189364 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided   Flood Certificate is missing.   Reviewer Comment (2018-07-31): XXXXX cert provided Seller Comment (2018-07-30): XXXXX cert attached. 07/31/2018     1 A 06/19/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204189364 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date. Disaster Name: ___ Disaster Declaration Date: ___ Please provide XXXXX report Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-08-02): Exception waived by XXXXX with compensating factors of FICO and Reserves Reviewer Comment (2018-07-31): XXXXX to review exception Seller Comment (2018-07-30): The subject XXXXXl is dated XXXXX which is after the disaster declaration date noted ofXXXXX. XXXXXl update not required.     08/02/2018 2 B 06/19/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204189364 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX) The file does not contain evidence of receipt of the Borrower receiving the appraisal.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/19/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204189364 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXXX) Evidence of earlier receipt not provided.   Reviewer Comment (2018-08-01): Borrower receipt of initial CD on XXXXX in file Seller Comment (2018-08-01): An additional CD was sent out on XXXXX which was signed at close. This superseded the prior CD and includes all changes at that time. Reviewer Comment (2018-07-31): Need evidence of the additional CD issued on XXXXX (with cash to close of XXXXX) was received by the borrower. Seller Comment (2018-07-30): Initial CD attached which was e-signed on XXXXX 08/01/2018     1 A 06/19/2018 CA Primary Purchase No Defined Cure C B C B C B A A Safe Harbor QM Safe Harbor QM No
204189364 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. Loan is short required reserves for subject and additionally financed property.   Reviewer Comment (2018-07-31): Reserves documented with XXXXX account Seller Comment (2018-07-30): XXXXX account and summary plan which documents terms of withdrawal attached. XXXXX vested balance is XXXXX, the qualifying reserves balance is XXXXX ( XXXXX x XXXXX). The qualifying reserves balance of XXXXX is greater than the required reserves of XXXXX (XXXXX XXXXX) 07/31/2018     1 A 06/19/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204189364 [Redacted] [Redacted] [Redacted] [Redacted] 07/31/2018 Credit Assets Asset Calculation / Analysis Available for Closing is insufficient to cover Cash From Borrower.   Borrower has XXXXX in documented liquid funds (including XXXXX EMD). Borrower is short XXXXX to cover funds to close and earnest money.   Reviewer Comment (2018-08-01): Documentation to support XXXXX deposit provided Seller Comment (2018-08-01): XXXXX and XXXXX accounts attached. XXXXX account ending XXXXX had XXXXXbalance on XXXXX (XXXXXEMD cleared prior). 08/01/2018     1 A 06/19/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
204189366 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure for multipleXXXXX tolerance violations totaling XXXXX was not provided.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/16/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189366 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. (77169) Fee disclosed as (XXXXX) on (LE dated XXXXX), but disclosed as (XXXXX) on Final Closing Disclosure. No valid COC nor evidence of cure locate in file.   Reviewer Comment (2018-07-31): Fees paid to borrower chosen provider Seller Comment (2018-07-30): Borrower shopped for XXXXX and XXXXX fees and thus all fees are unlimited tolerance for this category and have been listed on the CD in block XXXXX as required. 07/31/2018     1 A 06/16/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189366 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Loan Tie-In Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (77176) No valid COC nor evidence of cure located in file.   Reviewer Comment (2018-07-31): Fees paid to borrower chosen provider Seller Comment (2018-07-30): Borrower shopped for XXXXX and XXXXX fees and thus all fees are unlimited tolerance for this category and have been listed on the CD in block XXXXX as required. 07/31/2018     1 A 06/16/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189366 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (77181) No valid COC nor evidence of cure located in file.   Reviewer Comment (2018-07-31): Fees paid to borrower chosen provider Seller Comment (2018-07-30): Borrower shopped for XXXXX and XXXXX fees and thus all fees are unlimited tolerance for this category and have been listed on the CD in block XXXXX as required. 07/31/2018     1 A 06/16/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189367 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Loan Package Documentation Closing / Title Missing Document: Note - Subject Lien not provided   Executed note was not located in file.   Reviewer Comment (2018-07-31): Executed XXXXX provided Seller Comment (2018-07-30): Signed XXXXX attached. 07/31/2018     1 A 07/09/2018 GA Primary Purchase   D B D A D B A A Safe Harbor QM Safe Harbor QM No
204189367 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Credit Loan Package Documentation Closing / Title Missing Document: Security Instrument not provided   Executed security instrument was not located in file.   Reviewer Comment (2018-07-31): XXXXX instrument provided Seller Comment (2018-07-30): Signed XXXXX with all XXXXX attached. 07/31/2018     1 A 07/09/2018 GA Primary Purchase   D B D A D B A A Safe Harbor QM Safe Harbor QM No
204189367 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003   Final 1003 was not located in file.   Reviewer Comment (2018-07-31): Final XXXXX provided Seller Comment (2018-07-30): Final signed XXXXX attached. 07/31/2018     1 A 07/09/2018 GA Primary Purchase   D B D A D B A A Safe Harbor QM Safe Harbor QM No
204189367 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Credit Loan Package Documentation Closing / Title Missing Document: Rider - PUD not provided   XXXXX of Borrower's Rights was not located in file.   Reviewer Comment (2018-07-31): XXXXX provided Seller Comment (2018-07-30): Signed XXXXX with all XXXXX attached. 07/31/2018     1 A 07/09/2018 GA Primary Purchase   D B D A D B A A Safe Harbor QM Safe Harbor QM No
204189367 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Credit Loan Package Documentation Closing / Title Missing Document: Rider - Other not provided   Executed Foreclosure Closing Disclosure and Waiver of XXXXX were not located in file.   Reviewer Comment (2018-08-01): Executed XXXXX provided Seller Comment (2018-08-01): Original PDF uploaded is XXXXX pages; pagesXXXXX is the XXXXX, pages XXXXX is the XXXXX, page XXXXX is the Waiver ofXXXXX, Page XXXXX is theXXXXX Disclosure Rider, and page XXXXX is the legal description. Attached again is just the XXXXX and legal description (XXXXX pages). Reviewer Comment (2018-07-31): XXXXX not provided Seller Comment (2018-07-30): Signed XXXXX with all XXXXX attached. 08/01/2018     1 A 07/09/2018 GA Primary Purchase   D B D A D B A A Safe Harbor QM Safe Harbor QM No
204189367 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided   Tax certification was not located in file.   Reviewer Comment (2018-07-31): XXXXX cert provided Seller Comment (2018-07-30): XXXXX information from title agent attached. The UXXXXX qualified the borrowers with an estimate of XXXXX of the sales price of XXXXX in order to account for reassessment. 07/31/2018     1 A 07/09/2018 GA Primary Purchase   D B D A D B A A Safe Harbor QM Safe Harbor QM No
204189367 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. ABA provided on XXXXX was not executed by borrower.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/09/2018 GA Primary Purchase   D B D A D B A A Safe Harbor QM Safe Harbor QM No
204189367 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Sellers closing disclosure was not provided.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/09/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A D B A A Safe Harbor QM Safe Harbor QM Yes
204189367 [Redacted] [Redacted] [Redacted] [Redacted] 07/31/2018 Credit Loan Package Documentation Closing / Title Missing Document: Power of Attorney (POA) not provided   Documents were signed using a Power of Attorney but a copy of the POA was not provided in the file for review. Additional exceptions may apply.   Reviewer Comment (2018-08-01): Executed XXXXX provided Seller Comment (2018-08-01): XXXXX attached 08/01/2018     1 A 07/09/2018 GA Primary Purchase   D B D A D B A A Safe Harbor QM Safe Harbor QM No
204189367 [Redacted] [Redacted] [Redacted] [Redacted] 08/01/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Actual taxes were provided on tax cert. Actual tax amounts should be disclosed on final CD.   Reviewer Comment (2018-08-01): Estimated XXXXX used to calculate XXXXX disclosed on CD Seller Comment (2018-08-01): The tax amount provided by the title company is based on the current owner information and valuation. In the state of XXXXX the XXXXX reassess on a sale of the property and to account for that we utilized the estimate as the current rate would not be considered accurate. 08/01/2018     1 A 07/09/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A D B A A Safe Harbor QM Safe Harbor QM Yes
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003       Reviewer Comment (2018-08-01): Esigned final XXXXX in file Seller Comment (2018-08-01): The XXX attached is the final XXXXX. This loan was e-closed, all compliance docs that require wet signatures were signed on XXXXX Reviewer Comment (2018-07-31): Need final XXXXX signed at closing Seller Comment (2018-07-30): Final XXXXXattached. 08/01/2018     1 A 07/05/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance XXXXX Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX). (XXXXX)     Reviewer Comment (2018-08-02): signed XXXXX provided Seller Comment (2018-08-02): Signed page 1 of XXXXX XXXXX for XXXXX, XXXXX attached. Reviewer Comment (2018-08-01): Need signed XXXXX for XXXXX and XXXXX. Copies in file are unsigned. Seller Comment (2018-08-01): XXXXX analysis contained in the ATR attached. Reviewer Comment (2018-07-31): The XXXXX analysis provided is incomplete Seller Comment (2018-07-30): XXXXX Form XXXXX attached. 08/02/2018     1 A 07/05/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary XXXXX)     Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/05/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance Unknown Loan Designation Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.     Reviewer Comment (2018-07-31): Originator loan designation - XXXXX Seller Comment (2018-07-30): XXXXX attached stating Loan is XXXXX and ability to repay supported. 07/31/2018     1 A 07/05/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.     Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/05/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance State Compliance Colorado Home Loan (Ability to Repay not Verified) XXXXX Home Loan (XXXXX): Borrower's ability to repay not verified with reliable documentation.     Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/05/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) XXXXX violation due to increase in title and recording fees. No evidence of cure.   Reviewer Comment (2018-07-31): Purchase contract states XXXXX to pay part of title XXXXX fees. Other fee increases are within XXXXX tolerance. Seller Comment (2018-07-30): The total amount of block XXXXX fees subject to XXXXX tolerance is XXXXX. This is compared to prior disclosed costs Of XXXXX which does not exceed xxxxxtolerance. 07/31/2018     1 A 07/05/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7520) No COC, insufficient or no cure was provided to the borrower was located in the file.   Reviewer Comment (2018-07-31): Cure was issued at closing on final CD Seller Comment (2018-07-30): Final CD attached. Cure of XXXXX was applied and displayed on the CD on the Lender Credits row in block XXXXX as required. 07/31/2018     1 A 07/05/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX XXXXX Form 1084 (dated XXXXX or later), XXXXX Form XXXXX or an equivalent Cash Flow Analysis form is required for self-employment income analysis.   Reviewer Comment (2018-08-01): XXXXX analysis provided Seller Comment (2018-08-01): XXXXX analysis contained in the ATR attached. Reviewer Comment (2018-07-31): The XXXXX analysis provided is incomplete. Seller Comment (2018-07-30): XXXXX Form XXXXX attached. 08/01/2018     1 A 07/05/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX)     Reviewer Comment (2018-07-31): Escrowed costs match final CD Seller Comment (2018-07-30): XXXXX and XXXXX per month total XXXXX. Multiplied by 12 that makes the costs over year 1 XXXXX which is accurate per the info we have on the CD. 07/31/2018     1 A 07/05/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - XXXXX Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Final Closing Disclosure does not reflect lender contact information.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/05/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure of XXXXX is insufficient to cover various XXXXX and XXXXX tolerance violations of XXXXX.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/05/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (FinalXXXXX) Seller paid fees on the buyers Closing Disclosure is XXXXX; seller paid fees on the sellers Closing Disclosure is XXXXX   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 07/05/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Credit Credit Miscellaneous Credit Exception:   Missing verification of PITI for properties listed in SREO *Statement/Tax/Insurance/HOA Verification   Reviewer Comment (2018-08-01): All documentation provided Seller Comment (2018-08-01): Settlement statement from sale of XXXXX attached. Payment history for both XXXXX and XXXXXtaken from the credit report and credit report refresh. XXXXX reflects P&I payment. Seller Comment (2018-08-01): Evidence of XXXXX amounts attached. Reviewer Comment (2018-07-31): Still missing mortgage statements for XXXXX and XXXXXk. Still missing tax certs for XXXXX, XXXXX, XXXXX and XXXXX. Seller Comment (2018-07-30): Evidence of XXXXX, iXXXXX, and XXXXX provided in the three attachments. XXXXXt is land only so no insurance is required. Seller Comment (2018-07-30): Evidence of XXXXX, XXXXX, and XXXXXprovided in the three attachments. XXXXX is land only so no insurance is required. 08/01/2018     1 A 07/05/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189368 [Redacted] [Redacted] [Redacted] [Redacted] 07/31/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Due to missing income documentation   Reviewer Comment (2018-08-02): signed XXXXX provided Seller Comment (2018-08-02): Signed page 1 of XXXXX XXXXX for XXXXX, XXXXX attached. Reviewer Comment (2018-08-01): Need signed XXXXX for XXXXX and XXXXX. Copies in file are unsigned. Seller Comment (2018-08-01): XXXXX analysis contained in the ATR attached. 08/02/2018     1 A 07/05/2018 CO Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189369 [Redacted] [Redacted] [Redacted] [Redacted] 07/19/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   Creditor initial loan application was not located in the file.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/14/2018 CO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189369 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) The Final CD does not indicate any fees exceeded tolerances.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/14/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189369 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXXX) The Initial Closing Disclosure was provided on XXXXX without evidence of receipt and the loan closed on XXXXX, which is less than 3 days prior to close.   Reviewer Comment (2018-07-31): Evidence of borrower receipt provided Seller Comment (2018-07-30): E-signed CD Acknowledgment dated XXXXX attached which would meet theXXXXXday requirement. 07/31/2018     1 A 06/14/2018 CO Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189369 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) The Contact Information section of the final CD did not disclose the Lender's Contact or Contact's NMLS ID.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/14/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189369 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) No evidence in file when, if ever, the borrowers received a copy of the appraisal.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/14/2018 CO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189369 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of $XXXXX plus XXXX or XXXX. Insufficient or no cure was provided to the borrower. (0) Due to XXXXX seller paid Closing escrow fee, there is no evidence in file that seller was going to pay the fee at closing.   Reviewer Comment (2018-07-31): XXXXX contract states that seller will pay a portion of the XXXXX fee Seller Comment (2018-07-30): The XXXXX does not require the lender to cure seller paid fees. 07/31/2018     1 A 06/14/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189369 [Redacted] [Redacted] [Redacted] [Redacted] 07/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) The Seller's final CD included payment outside of closing for XXXXX in XXXXX property taxes.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 06/14/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189370 [Redacted] [Redacted] [Redacted] [Redacted] 07/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) No documentation in file to reflect appraisal was sent to borrower.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/27/2018 CO Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204189370 [Redacted] [Redacted] [Redacted] [Redacted] 07/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXX) Lender contact name and NMLS was not disclosed on CD.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/27/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204189370 [Redacted] [Redacted] [Redacted] [Redacted] 07/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) 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 XXXXX, while closing CD seller's fees total XXXXX   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 06/27/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204189371 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) TRID non-compliant. Seller paid fees reflected on Seller CD are not consistent with seller paid fees reflected on Borrower Final CD. Seller CD reflects XXXXX in seller paid fees. Borrower Final CD reflects XXXXX in seller paid fees.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 06/08/2018 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A A A B A A A Safe Harbor QM Safe Harbor QM Yes
204189372 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Credit Missing Document General Missing Document: Verification of Non-US Citizen Status not provided   Both borrowers are XXXXX, documentation to verify XXXXX status was not provided in file as required by guidelines.   Reviewer Comment (2018-08-01): XXXXX documentation provided Seller Comment (2018-08-01): XXXXX Cards attached. Reviewer Comment (2018-07-31): SectionXXXXX of the XXXXX require XXXXX documentation and a satisfactory XXXXX Certification Seller Comment (2018-07-30): XXXXX certs attached. 08/01/2018     1 A 07/02/2018 MA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204189372 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Evidence that borrower received copy of appraisal after signing waiver was not provided in file.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/02/2018 MA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204189372 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Final CD did not disclose the Lender's Contact Name and NMLS ID. information.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/02/2018 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
204189372 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller paid fees on the Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD reflects XXXXX in seller paid closing costs, borrower's final CD reflects XXXXX in seller paid closing costs. Consumer's Final CD did not disclose the following fees disclosed on the seller's CD: Recording/Release Fee XXXXX, Re-Conveyance fee XXXXX, Water XXXXXand Wire XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing changes made.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 07/02/2018 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
204189373 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance State Compliance Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) XXXXXMortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. The file is missing a copy of the XXXXX Mortgage Lender and Broker Act disclosure.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/02/2018 VA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189373 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. Initial Affiliated Business Arrangement Disclosure is not signed by the borrowers.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/02/2018 VA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189373 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 07/02/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189373 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure reflect total closing costs exceeded the legal limit as XXXXX. However there is additional XXXXX tolerance violation in the amount of XXXXX that was not cured at closing.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/02/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189373 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7520) Cure not in file for increased credit report fee.   Reviewer Comment (2018-07-25): Cure provided at closing.   07/25/2018   2 B 07/02/2018 VA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189373 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) The Lend Contact Information was left blank o the Final Closing Disclosure   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/02/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189373 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (75209) Warehousing Fee in the amount of XXXXX not included on Loan Estimate exceeds the tolerance of XXXXX. No cure was provided.   Reviewer Comment (2018-07-31): Paid to same provider Seller Comment (2018-07-30): This is not aXXXXX. Even if it wasn't initially disclosed it falls into the XXXXX bucket and since the aggregate of all the fees in this bucket does not exceed XXXXX then no cure is required. 07/31/2018     1 A 07/02/2018 VA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189374 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX Missing third party verification for borrower's self-employment verifying start and end dates and missing VVOE confirming start and end dates for borrower's previous employment with XXXXX.   Reviewer Comment (2018-08-01): income from self-employment was not used at qualification Seller Comment (2018-08-01): Self employed income was not used to qualify. A cash flow analysis was performed on the schedule C business and the borrower was qualified with the loss. S/E VOE would only be required when positive income is being utilized. Reviewer Comment (2018-07-31): Still missing third-party verification of self-employment dates Seller Comment (2018-07-30): VVOE for previous employment attached. Per XXXXX a VOE for S/E is only required when income from the business is used in qualification. 08/01/2018     1 A 02/26/2018 GA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189374 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXXX) Missing VVOE confirming start and end dates for borrower's previous employment with XXXXX.   Reviewer Comment (2018-08-01): self-employment income not used for qualification Seller Comment (2018-08-01): Self employed income was not used to qualify. A cash flow analysis was performed on the schedule C business and the borrower was qualified with the loss. S/E VOE would only be required when positive income is being utilized. Reviewer Comment (2018-07-31): Still missing third-party verification of self-employment dates Seller Comment (2018-07-30): VVOE for previous employment attached. 08/01/2018     1 A 02/26/2018 GA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189374 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Missing contact information for XXXXXX. Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information and Contact NMLS ID.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 02/26/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189374 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure for XXXXX tolerance violation XXXXX was not provided.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 02/26/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189374 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. (9300) Lender Credit disclosed as ZXXXXX on LE dated XXXXX, but disclosed as XXXXX on Final Closing Disclosure.   Reviewer Comment (2018-08-01): Revised LE dated XXXXX provided Seller Comment (2018-08-01): Revised LE attached. Reviewer Comment (2018-07-31): A revised LE was not provided in the file for review Seller Comment (2018-07-30): The XXXXX was not locked and was disclosed assuming a XXXXXday rate lock. When the borrower locked they locked for XXXXXdays and thus a price adjustment of XXXXX was applied, lowering the lender credit. A revised LE was produced and delivered covering that change. 08/01/2018     1 A 02/26/2018 GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189374 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) The Seller's final CD total seller paid fee of XXXXX do not match the values used for compliance testing of XXXXX a difference of XXXXX The Final CD included additional fees of XXXXX (Title Amendment) and XXXXX(Pest Inspection) and did not reflect the water bill of XXXXX, for a net difference of XXXXX.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 02/26/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189374 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX)     Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 02/26/2018 GA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189375 [Redacted] [Redacted] [Redacted] [Redacted] 07/21/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 02/28/2018 FL Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189375 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Borrower signed a Appraisal waiver to receive the appraisal within 3 days of closing however receipt of the appraisal is not indicated in file.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 02/28/2018 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189375 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Page 4 of the Final CD indicates estimated property costs over 1 year are XXXXX The property costs over 1 year not including Flood Insurance are XXXXX however including Flood Insurance XXXXX.   Reviewer Comment (2018-07-31): Letter of Explanation & Corrected Closing Disclosure provided Seller Comment (2018-07-31): Revised final CD attached with flood insurance included in year 1 costs.   07/31/2018   2 B 02/28/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189375 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Notice of Special Flood Hazard Disclosure Not Provided Timely XXXXX Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Flood Notice is dated XXXXX and the note date is XXXXX.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 02/28/2018 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189375 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Final CD Lender Contact Information was blank.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 02/28/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189375 [Redacted] [Redacted] [Redacted] [Redacted] 07/24/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. The Affiliated Business Arrangement Disclosure was not provided/signed within 3 business days of application.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 02/28/2018 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189375 [Redacted] [Redacted] [Redacted] [Redacted] 07/24/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   The Lender's 1003 is not located in file.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 02/28/2018 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189376 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided onXXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Contact information was missing NMLS ID and Contact   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 03/21/2018 FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189376 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7520) Cure Credit report fee was not provided   Reviewer Comment (2018-07-25): Cure provided at closing.   07/25/2018   2 B 03/21/2018 FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189376 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 03/21/2018 FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189376 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Notice of Special Flood Hazard Disclosure Not Provided Timely XXXXX Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Notice of Special Flood Hazard Disclosure in file is the one executed at closing and not origination.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 03/21/2018 FL Second Home Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189377 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided   Verification of annual property taxes was not located in file. Provide tax certification supporting amount used to qualify of XXXXX annual. Findings are subject to change.   Reviewer Comment (2018-08-01): Estimated taxes used in calculation Seller Comment (2018-08-01): 2nd attachment for tax estimator Seller Comment (2018-08-01): County printout with tax estimator attached which matches the information provided by the title company and the amount listed on the appraisal. This amount is based on the current owner information and valuation. In the state of XXXXX the taxes reassess on a sale of the property and to account for that we utilized the estimate as the current rate would not be accurate. Reviewer Comment (2018-07-31): Need third party verification of actual taxes due. Provide XXXXX to clear exception. Seller Comment (2018-07-30): Per the preliminary title report the current annual XXXXX amount is XXXXX. Since this is a purchase in the state of XXXXX a conservative estimate is used to account for tax reassessment. Estimate is based on the higher of the sales price or appraised value multiplied by XXXXX. XXXXX x XXXXX = XXXXX. 08/01/2018     1 A 06/28/2018 GA Second Home Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204189377 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Disclosure not provided.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/28/2018 GA Second Home Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204189377 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinalXXXXXX) Lender contact name and NMLS were not listed on CD.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/28/2018 GA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
204189377 [Redacted] [Redacted] [Redacted] [Redacted] 07/20/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate XXXXX received on or after the date the Closing Disclosure XXXXX XXXXX AM was received. (Interim/XXXXX) Signed date is XXXXX and issue date for the CD is XXXXX. No evidence of early receipt located in the file   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/28/2018 GA Second Home Purchase No Defined Cure C B C A B B A A Safe Harbor QM Safe Harbor QM No
204189377 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. Initial ABA was not signed by borrower.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/28/2018 GA Second Home Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204189378 [Redacted] [Redacted] [Redacted] [Redacted] 07/21/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) There was no evidence the borrower was provided with a copy of the appraisal at or before closing.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/06/2018 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189378 [Redacted] [Redacted] [Redacted] [Redacted] 07/21/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Name and NMLS ID.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/06/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189378 [Redacted] [Redacted] [Redacted] [Redacted] 07/21/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Sales Price TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXXX disclosed a Sales Price that does not match Sales Price from the Summaries of Transactions Table. (Final/XXXXX) Closing Disclosure provided on XXXXX disclosed a Sales Price of XXXXXX that does not match Sales Price of XXXXX from the Summaries of Transactions Table.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/06/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189378 [Redacted] [Redacted] [Redacted] [Redacted] 07/21/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure provided on XXXXX did not disclose the XXXXX zero tolerance violation for a Title Examination fee that exceeded the benchmark of XXXXX.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 07/06/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189378 [Redacted] [Redacted] [Redacted] [Redacted] 07/21/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. (7727) Zero Percent Fee Tolerance exceeded for Title - Examination Fee Amount of XXXXX; the provider was not on the SSPL and was not the same as the other vendors listed. No cure was provided to the borrower.   Reviewer Comment (2018-08-08): Fee was disclosed on LE with different fee terminology Seller Comment (2018-08-01): All fees were disclosed in good faith based on the best information available at the time the LE was issued. Official Interpretation to XXXXX . If a service is required by the creditor, the creditor permits the consumer to shop for that service consistent with XXXXX, the creditor provides the list required by XXXXX, and the consumer chooses a service provider that is not on that list to perform that service, then the actual amounts of such fees need not be compared to the original estimates for such fees to perform the good faith analysis required by XXXXX. Differences between the amounts of such charges disclosed pursuant to XXXXX and the amounts of such charges paid by or imposed on the consumer do not constitute a lack of good faith, so long as the original estimated charge, or lack of an estimated charge for a particular service, was based on the best information reasonably available to the creditor at the time the disclosure was provided. For example, if the consumer informs the creditor that the consumer will choose a settlement agent not identified by the creditor on the written list provided pursuant to XXXXX, and the creditor subsequently discloses an unreasonably low estimated settlement agent fee, then the under-disclosure does not comply with XXXXX. If the creditor permits the consumer to shop consistent withXXXXX but fails to provide the list required by XXXXX, good faith is determined pursuant to XXXXX instead of XXXXX regardless of the provider selected by the consumer, unless the provider is an affiliate of the creditor in which case good faith is determined pursuant to XXXXX. Reviewer Comment (2018-07-31): In order to determine whether the borrower is permitted to shop for a service (and therefore eligible for XXXXX or unlimited tolerance), TRID regulations provide that shoppable services be identified on the LE. See XXXXX and related commentary which provides: Shopping for settlement service providers. 2. Disclosure of services for which the consumer may shop. Section XXXXX requires the creditor to identify the services for which the consumer is permitted to shop in the disclosures provided pursuant to XXXXX. See XXXXX regarding the content and format for disclosure of services for which the consumer may shop. XXXXX refers to the LE and XXXXX refers to Section XXXXX of the LE (see below). Accordingly, fees/services not disclosed in Section XXXXX of the LE are not considered services the borrower is permitted to shop for and are therefore not eligible for XXXXX or unlimited tolerance regardless of the XXXXX. Note that even the XXXXX refers the borrower to see Section XXXXX on page 2 of the LE to determine which fees borrower can shop for. As the fee in question was not disclosed on the LE, the service is not considered shoppable and therefore subject toXXXXX tolerance. Notwithstanding the above, if the borrower-chosen service provider (XXXXX) further outsourced the Title Exam Fee to XXXXX we would accept an attestation confirming this. Ideally, the attestation would come from the service provider (XXXXX), but if that cannot be obtained, we would accept one from the lender. The attestation should confirm that the service was outsourced by the borrower-chosen provider and should be on either the provider's or the lender's letterhead. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider (XXXXX) through which the borrower indirectly selected. Seller Comment (2018-07-30): Borrower shopped for XXXXX and XXXXX fees and thus all fees are unlimited tolerance for this category and have been listed on the CD in block XXXXX as required. 08/08/2018     1 A 07/06/2018 FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189378 [Redacted] [Redacted] [Redacted] [Redacted] 07/21/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) Self Employed Tax Returns - The file included Tax Return extensions for both the Borrower's XXXXX and XXXXX returns.   Reviewer Comment (2018-08-02): Exception waived by XXXXX with compensating factors of FICO and Reserves Reviewer Comment (2018-07-31): Documentation meets XXXXX. Does not meet XXXXX. XXXXXto review. Seller Comment (2018-07-30): XXXXX extension in file. XXXXX validation attached reflecting no record found. XXXXX and XXXXX personal and business returns are the most recent filed.     08/02/2018 2 B 07/06/2018 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189378 [Redacted] [Redacted] [Redacted] [Redacted] 08/08/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Fee Terminology TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on XXXXX did not use the same fee terminology as the Loan Estimate. (Final/XXXXX) Fee was disclosed on LE as Title - Abstract Attorney Fee and on the CD as Title - Search/Exam Abstract   Buyer Comment (2018-08-08): cleared per XXXXX compliance     08/08/2018 2 B 07/06/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189382 [Redacted] [Redacted] [Redacted] [Redacted] 07/21/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) No evidence of timely delivery was provided.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/15/2018 MA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189382 [Redacted] [Redacted] [Redacted] [Redacted] 07/21/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) The Borrower's Final Closing Disclosure did not disclose the Lender Contact information.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/15/2018 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189382 [Redacted] [Redacted] [Redacted] [Redacted] 07/21/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7520) Lender provided a total of XXXXX cure and is reflected on Final Closing Consumer CD as a Lender Credit for increase in Closing Cost above legal limit.   Reviewer Comment (2018-07-24): Lender provided a total of XXXX cure and is reflected on XXXXX Consumer CD as a Lender Credit for increase in Closing Cost above Lxxxxx   07/24/2018   2 B 06/15/2018 MA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189382 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. A copy of the disclosure was provided in file, however, there is no documented evidence as to when the Borrower was provided the disclosure.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/15/2018 MA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189382 [Redacted] [Redacted] [Redacted] [Redacted] 07/24/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Home Ownership Counseling List does not reflect date issued.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/15/2018 MA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189383 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/08/2018 NJ Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189383 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX)     Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/08/2018 NJ Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189383 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.     Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/08/2018 NJ Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204189383 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX Final CD did not disclose the Lender's Contact Name and NMLS ID.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/08/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189383 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7520) Binding LE disclosed Credit Report Fee of XXXXX and Final CD disclosed XXXXX. Final CD disclosed a Lender Credit of XXXXX for increase in Closing Costs above legal limit.   Reviewer Comment (2018-07-25): Cure provided at closing.   07/25/2018   2 B 06/08/2018 NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204189384 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) The lender contact information was not completed on the final closing disclosure.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/12/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189384 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) 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 XXXXX, while closing CD seller's fees total XXXXX.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 1 A 06/12/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189384 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Final disclosure reflects an increase in the XXXXX tolerance fees, total expense is XXXXX, exceeds tolerance limit of XXXXX by XXXXX, insufficient cure provided at closing. Part of the violation is related to seller paid fees for which there is no evidence that they will be paid by seller.   Reviewer Comment (2018-08-09): The baseline wasXXXXX The total fees were XXXXX The XXXXX tolerance would be XXXXX The difference between the XXXXXand the XXXXX was XXXXX There was a cure issued at closing of XXXXX which leavesXXXXX The XXXXXwere all seller-paid fees that were either discussed in the purchase contract or recording fees itemized on the XXXXX Statement. Exception can be cleared. Seller Comment (2018-08-01): The XXXXX only discusses what to do in situations where costs paid by a consumer are out of tolerance according to the reg. In this case the fee was not paid by the consumer and is not factored into the tolerance. Reviewer Comment (2018-07-31): Only XXXXX of seller paid fees are disclosed as seller paid in the purchase contract. Fees still exceed XXXXX tolerance. Need evidence of seller agreement to pay fees provided to borrower prior to transaction or valid changed circumstance. Seller Comment (2018-07-30): The regulation does not require the lender to cure seller paid fees. A cure was provided for the fees that the borrower was responsible for paying and that exceeded XXXXX. 08/09/2018     1 A 06/12/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189384 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) The Final closing disclosure documents an inaccurate dollar amount the closing costs exceeded the legal limits.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/12/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204189384 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The hazard insurance is short XXXXX after the extended XXXXX of replacement cost is added in.   Reviewer Comment (2018-07-31): Maximum insurable value provided by insurer Seller Comment (2018-07-30): Replacement cost estimator from insurer with policy reflecting sufficient coverage attached. 07/31/2018     1 A 06/12/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204189385 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. The Affiliated Business Arrangement Disclosure was signed at closing.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/16/2018 CO Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204189385 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Lender Contact information is not listed on the Final CD.   Reviewer Comment (2018-07-26): XXXXX elected to waive the exception.     07/26/2018 2 B 06/16/2018 CO Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204189385 [Redacted] [Redacted] [Redacted] [Redacted] 07/23/2018 Compliance Compliance Federal Compliance QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXXX) File is missing VVOE for the Co-Borrowers previous job verifying start and end dates.   Reviewer Comment (2018-07-31): Previous VVOE provided Seller Comment (2018-07-30): VVOE for previous employer attached. 07/31/2018     1 A 06/16/2018 CO Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204467969 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance State Compliance XXXXXX Impound Disclosure and Waiver Status Test XXXXX State Disclosure: Borrower not provided Impound Disclosure. Document not found in file   Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-09-14): XXXXX elected to waive the exception. 02/21/2019     1 A 06/18/2018 CA Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
204467969 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Post Close Closing Disclosure Total Of Payments Test Non-Rescindable Transactions TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Total of Payments of XXXXX disclosed on the Final Closing Disclosure dated XXXXX is inaccurate by more than XXXXX compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of XXXXX provided on XXXXX, a difference of XXXXX (Post-Close/XXXXX) Section B fees increased on PCCD causing the TOP disclosed on the final CD dated to be under disclosed by XXXXX. Remediation includes Letter of Explanation, Refund check for under disclosed equivalent amount, updated CD and proof of delivery.   Reviewer Comment (2018-10-04): XXXXX received an attestation for added fees after closing were not known at time of closing and discovered after final XXXXX Statement was prepared. Reviewer Comment (2018-10-02): The XXXXX is not bound by any tolerance, no matter what category it is in. If the added fees were known at the time of closing a refund ofXXXXXis due, if evidence can be provided that they were not known at time of closing an attestation from lender that the XXXXX exception is due to fee changes on the PCCD that resulted from changes that occurred after closing, the exception can be cleared. 10/04/2018     1 A 06/18/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
204467969 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Cd is dated XXXXX, with disbursement date of XXXXX, however borrower signed date is XXXXX thus there is a variance. Also post close CD is dated as Closing date was XXXXX and disbursement date was XXXXX   Reviewer Comment (2018-09-11): PCCD and LOE in file   09/11/2018   1 A 06/18/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
204467969 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 06/18/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
204467970 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance Appendix Q Liabilities - Revolving Qualified Mortgage (Dodd-Frank 2014): Revolving Liabilities that have an effect on the consumer's ability to repay have been excluded from DTI calculation. Revolving account with a monthly payment of XXXXX was excluded due to paid by borrower's business, however impact the consumer's ability to repay.   Reviewer Comment (2018-09-28): The borrower has provided evidence the business pays these debts and provided also the business returns. The XXXXX payment if used at a XXXXX payment would not affect the DTI 09/28/2018     1 A 06/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204467970 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) The file contains evidence of a federal tax return extension for the business. Income utilized was not based on most recent tax returns based on application date and tax due date.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 06/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204467970 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX Tax Return Due Date XXXXX. (XXXXX) The file contains evidence of a federal tax return extension granting additional time in which to file personal returns for XXXXX. Income utilized was not based on most recent tax returns based on application date and tax due date.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 06/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204467970 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. The initial escrow statement does not match the CD dated XXXXX, but only matches the CD provided post closing date XXXXX.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 06/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467970 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Corrected on PCCD, however missing LOE to borrower.   Reviewer Comment (2018-09-12): PCCD in file at time of review   09/12/2018   1 A 06/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467970 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaryXXXXX) The borrower waived their right on XXXXX and on XXXXX confirmed via their signature that they did receive a copy 3 days prior to closing; however, there is not confirmation in the loan file as to the date of receipt of the actual appraisal   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 06/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204467970 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaryXXXXX) The borrower waived their right on XXXXX and on XXXXX confirmed via their signature that they did receive a copy 3 days prior to closing; however, there is not confirmation in the loan file as to the date of receipt of the actual appraisal   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 06/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204467970 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Home Warranty fees not on buyer's CD.   Reviewer Comment (2018-09-12): PCCD in file at time of review   09/12/2018   1 A 06/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467970 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Due to exclusion of revolving payment that may impact borrower's ability to repay.   Reviewer Comment (2018-09-28): These debts are paid by the business and were excluded as cost within the tax returns. If these costs paid were added back to the income and the debt included the DTI would remain the same and meet XXXXX 09/28/2018     1 A 06/26/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467971 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) The Final CD reflects an annual premium of XXXXX. Hazard policy total is XXXXX.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 06/27/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204467971 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) Seller paid fees on the Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD reflects XXXXX in seller paid closing costs, borrower's final CD reflects XXXXX in seller paid closing costs.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 06/27/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204467971 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Borrower signed 3 day appraisal waiver and evidence of appraisal receipt was not provided in file.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 06/27/2018 NV Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204467973 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Credit Insurance Insurance Analysis Hazard Insurance Policy expires within 90 days of the Note Date.       Reviewer Comment (2018-09-26): An updated policy was provided with an expiration date acceptable. 09/26/2018     1 A 07/10/2018 CA Primary Refinance - Rate/Term   B B B A B B A A Safe Harbor QM Safe Harbor QM No
204467973 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance State Compliance California Impound Disclosure and Waiver Status Test XXXXX State Disclosure: Borrower not provided Impound Disclosure.     Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-09-14): XXXXX elected to waive the exception. 02/21/2019     1 A 07/10/2018 CA Primary Refinance - Rate/Term   B B B A B B A A Safe Harbor QM Safe Harbor QM No
204467973 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) Fee disclosed as (XXXXX) on (LE dated XXXXX), but disclosed as (XXXXX) on Final Closing Disclosure. Cure for (XXXXX) was provided.       09/11/2018   1 A 07/10/2018 CA Primary Refinance - Rate/Term Final CD evidences Cure B B B A B B A A Safe Harbor QM Safe Harbor QM Yes
204467973 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/XXXXX) Evidence of the date the borrower was provided a copy of the Appraisals were not located in the images.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/10/2018 CA Primary Refinance - Rate/Term   B B B A B B A A Safe Harbor QM Safe Harbor QM No
204467975 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of XXXXX does not match Due Diligence Loan Designation of Non QM. Due to QM points and fees   Reviewer Comment (2018-10-02): Discount points are bona fide and can be excluded from calculation. Exception cleared. 10/02/2018     1 A 06/28/2018 NY Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467975 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Calculated monthly taxes and insurance; XXXXX=XXXXX=XXXXX. Final CD disclosed Estimated Property Costs over Year 1 XXXXX.   Reviewer Comment (2018-10-02): Letter of Explanation & Corrected Closing Disclosure provided   10/02/2018   2 B 06/28/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467975 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate XXXXX received on or after the date the Closing Disclosure XXXXX XXXXX AM was received. (Interim/XXXXX) Evidence of borrower's earlier receipt was not provided.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 06/28/2018 NY Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
204467975 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXXXX is in excess of the allowable maximum of XXXXX of the Federal Total Loan Amount. Points and Fees total XXXXX on a Federal Total Loan Amount of XXXXX vs. an allowable total of XXXXX (an overage of XXXXX or .XXXXX). Commitment Fee XXXXX, Loan Discount Points XXXXX and Mortgage Broker Fee XXXXX totaling XXXXX exceed XXXXX (XXXXX). Provide evidence of undiscounted rate and price to borrower for undiscounted rate to determine if any portion of the discount points can be excluded from the calculation.   Reviewer Comment (2018-10-02): Discount points are bona fide and can be excluded from calculation. Exception cleared. 10/02/2018     1 A 06/28/2018 NY Primary Purchase If a creditor or assignee determines after consummation that the total points and fees exceeds the 3% limit, but the loan meets the other requirements to be a QM, the excess amount can be refunded, including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) The refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments). The lender will also be required to provide a copy of the refund check and proof of delivery. C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467975 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure of XXXXX was reflected.   Reviewer Comment (2018-09-12): Cure of $225 was reflected.   09/12/2018   2 B 06/28/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467975 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Consumer's CD did not disclose seller paid fees.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 06/28/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467975 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7506) Cure of XXXXX was reflected, which is sufficient to cure the appraisal fee violation   Reviewer Comment (2018-09-12): Cured at closing.   09/12/2018   2 B 06/28/2018 NY Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467975 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (75106) Cure of XXXXX was reflected, which is sufficient to cure the collateral desktop analysis violation.   Reviewer Comment (2018-09-12): Cured at closing.   09/12/2018   2 B 06/28/2018 NY Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467976 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) No evidence of timely delivery of Appraisal Report was provided   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/03/2018 CA Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204467976 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXXon Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Based on monthly HOA fee of XXXXX, yearly cost should be XXXXX.   Reviewer Comment (2018-10-04): Letter of Explanation & Corrected Closing Disclosure Reviewer Comment (2018-10-01): Non-escrowed costs include XXXXX payment of XXXXX annually and XXXXX dues of XXXXX for a total of XXXXX. A PCCD was provided but is still inaccurate.   10/04/2018   2 B 07/03/2018 CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467976 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/XXXXX) Final CD reflects a per diem of XXXXX from XXXXX to XXXXX for a total of XXXXX. A Post closing CD was provided correcting the per diem to XXXXX. Missing LOE to borrower.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/03/2018 CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467976 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. A corrected post close CD reflecting a lender credit of XXXXX in Section J is needed.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/03/2018 CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467976 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. (9300) Valid Change of Circumstance for decrease in Lender paid credit was not located.   Reviewer Comment (2018-09-20): Valid Change of Circumstance provided. Exception cleared. Seller Comment (2018-09-19): Valid COC 09/20/2018     1 A 07/03/2018 CA Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204467977 [Redacted] [Redacted] [Redacted] [Redacted] 09/08/2018 Compliance Loan Package Documentation Closing / Title Missing Document: Note - Subject Lien not provided   File is missing the Note for the subject purchase loan. Upon receipt of the missing Note, additional conditions may apply.   Reviewer Comment (2018-09-20): XXXXX provided. Exception cleared. Seller Comment (2018-09-19): Note 09/20/2018     1 A 06/18/2018 HI Primary Purchase   D B D A D B A A Safe Harbor QM Safe Harbor QM No
204467977 [Redacted] [Redacted] [Redacted] [Redacted] 09/08/2018 Credit Loan Package Documentation Closing / Title Missing Document: Security Instrument not provided   File is missing the Mortgage for the subject purchase loan. Upon receipt of the missing Mortgage, additional conditions may apply.   Reviewer Comment (2018-09-20): XXXXX Instrument provided. Exception cleared. Seller Comment (2018-09-19): Mortgage - Deed Seller Comment (2018-09-19): Mortgage - Legal description Seller Comment (2018-09-19): Mortgage 09/20/2018     1 A 06/18/2018 HI Primary Purchase   D B D A D B A A Safe Harbor QM Safe Harbor QM No
204467977 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) TRID non-compliant. Seller's Final Closing Disclosure disclosed total seller paid fees of XXXXX. Buyer's Final Closing Disclosure disclosed seller paid fees of XXXXX Post-closing CD's for both the Buyer and Seller dated XXXXX disclosed matching fees totaling XXXXX however, file is missing the Letter of Explanation required to cure.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 06/18/2018 HI Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A D B A A Safe Harbor QM Safe Harbor QM Yes
204467977 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   Payment Shock of XXXXX exceeds the client guideline maximum of XXXXX for a borrower with less than XXXXX years job history. Business license verifies the borrower has been XXXXX for XXXXX years. Borrower paid off the existing mortgage XXXXX, XXXXX and property expenses were verified with the credit report, copy of real estate tax bill, homeowner's insurance policy and HOA bill.   Reviewer Comment (2018-10-02): The borrower has had other mortgages concurrent with the payments which would reduce the payment shock under XXXXX 10/02/2018     1 A 06/18/2018 HI Primary Purchase   D B D A D B A A Safe Harbor QM Safe Harbor QM No
204467977 [Redacted] [Redacted] [Redacted] [Redacted] 09/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Corrected on PCCD, however missing LOE to borrower for cure.   Buyer Comment (2018-10-17): XXXXX elected to waive the exception. Buyer Comment (2018-10-17): waived per XXXXX Compliance Reviewer Comment (2018-10-16): Comment appears to be for another exception. A corrected PCCD and LOE is needed to cure this exception. Reviewer Comment (2018-09-25): The CD dated XXXXX lists closing cost as XXXXX, the Post Close CD dated XXXXXlists closing cost as XXXXX. There is a variance of XXXXX. Provided was a copy of a letter sent to the borrower however the file is missing evidence the letter was sent and a copy of a check to the borrower to cure.     10/17/2018 2 B 06/18/2018 HI Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A D B A A Safe Harbor QM Safe Harbor QM Yes
204467980 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) Per documentation in file, borrowers received a copy of the appraisal on XXXXX, which is prior to the appraisal report date of XXXXX. Evidence borrowers received a copy of the revised appraisal was not provided.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 03/22/2018 TX Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204467980 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller's Final Closing Disclosure disclosed total seller paid fees of XXXXX. Buyer's Final Closing Disclosure disclosed seller paid fees of XXXXX. Post-closing CD dated XXXXX disclosed all seller along with the correct total of XXXXX and file contains the required Letter of Explanation.   Reviewer Comment (2018-09-11): XXXX Final Closing Disclosure disclosed total seller paid fees of XXXX. Buyer's Final Closing Disclosure disclosed seller paid fees of XXXXX. Post-closing CD dated XXXXXX disclosed all seller along with the correct total of XXXXX and file contains the required Letter of Explanation.   09/11/2018   1 A 03/22/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204467980 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520)         09/12/2018   1 A 03/22/2018 TX Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204467981 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX) There is no evidence that the Creditor provided a copy of each valuation to applicant three (3) business days prior to consummation.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 04/06/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204467981 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing XXXXX Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. Disclosure not signed by borrower.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 04/06/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204467981 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) The Seller's Closing Disclosure did not include the seller paid flood insurance prepay of XXXXX found on the Consumer's FInal CD.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 04/06/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204467981 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on XXXXX reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/XXXXX) The Underwriting fee of XXXXX is paid to the Lender.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 04/06/2018 FL Primary Purchase Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204467981 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (75104) Lender provided a total of XXXXX cure and is reflected on Final Closing Consumer CD as a Lender Credit for increase in Closing Cost above legal limit.       09/11/2018   1 A 04/06/2018 FL Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204467983 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaryXXXXX) Evidence of borrowers receipt of appraisal after signing 3 day waiver was not provided in file.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 08/20/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204467983 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) Seller paid fees on the Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD reflects XXXXX in seller paid closing costs, borrower's final CD reflects XXXXX in seller paid closing costs.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 08/20/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204467985 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Credit Legal / Regulatory / Compliance Title / Lien Defect Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___     Reviewer Comment (2018-09-25): XXXXX guidelines do not require a final title policy. Provided was the title commitment 09/25/2018     1 A 07/10/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204467985 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX)     Reviewer Comment (2018-09-25): The loan images contain two year business returns which both show the business automatically files for an extension. There is also a XXXXX. The income documentation provided is sufficient per guidelines. 09/25/2018     1 A 07/10/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204467985 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX)     Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/10/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204467985 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) Seller's CD disclosed XXXXX total seller paid fees and Consumer's Final CD disclosed XXXXX   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 07/10/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204467986 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.         09/20/2018     1 A 07/06/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467986 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1           10/03/2018   2 B 07/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467986 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date             09/14/2018 2 B 07/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467986 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure             09/14/2018 1 A 07/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467986 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation             09/14/2018 2 B 07/06/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467986 [Redacted] [Redacted] [Redacted] [Redacted] 02/27/2019 Compliance Compliance Federal Compliance TRID Post Close Closing Disclosure Total Of Payments Test Non-Rescindable Transactions TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Total of Payments of XXXXX disclosed on the Final Closing Disclosure dated XXXXX is inaccurate by more than XXXXX compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of XXXXX provided on XXXXX, a difference of XXXXX     Reviewer Comment (2019-02-28): PCCD provided along with LOE and evidence of being electronically delivered to borrower. The additional appraisal fee was erroneously added on the PCCD and was not charged to the borrower, nor was a additional appraisal ordered. Finance charges did not increase post consummation. Exception cleared. Reviewer Comment (2019-02-27): The TOP increase from the final CD to the PCCD by $345 as a second appraisal fee was added to loan and the title fees were decreased on the post close CD. If AMC receives evidence or an attestation that the change in fees reflected on the PC-CD result from events that occurred after closing, we will consider clearing any associated TOP exceptions under the notion that the figures were correct at the time of consummation and any changes noted on the PC-CD were the result of an after-closing event. Otherwise, the cure for an under disclosed TOP includes a Letter of Explanation, Proof of Delivery, Refund check for under disclosed equivalent amount, and Corrected CD. 02/28/2019     1 A 07/06/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467987 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Credit Property - Appraisal Appraisal Adjustments Excessive site value noted on appraisal without appraiser comments to justify Valuation Type: Appraisal / Valuation Report Date: XXXXX This was not addressed by the appraiser.   Reviewer Comment (2018-09-25): The appraiser provided additional comments regarding the XXXXX stating The subjects site value is not excessive given that it is located on a XXXXX. Seller Comment (2018-09-21): updated appraisal 09/25/2018     1 A 08/01/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467987 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) No documentation is provided to evidence delivery of the appraisal to the consumer.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 08/01/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467987 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 08/01/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467987 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXXX) The initial CD is not signed nor is there documentation provided to support electronic delivery/receipt, thus, the default receipt date calculation is used to determine whether the initial CD was received by the borrower at least 3 business days prior to closing. The default receipt date is XXXXX and the closing date is XXXXX, which does not allow the 3 business day review period.   Reviewer Comment (2018-09-20): XXXXX received CD tracking verifying the receipt of initial CD on XXXXX. 09/20/2018     1 A 08/01/2018 FL Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467987 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) Seller paid XXXXX and Borrower paid XXXXX in city tax transfer and XXXXX for State tax transfer fee. State fee increased from XXXXX on CD dated XXXXX to XXXXX on final CD. No cure provided in the amount of XXXXX.   Reviewer Comment (2018-09-13): XXXXX states that seller is to pay XXXXX taxes 09/13/2018     1 A 08/01/2018 FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467987 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Credit Loan Package Documentation Closing / Title Title Error: Title vesting does not concur with deed   Vesting clause is not reflected on title commitment. Final title policy is not provided for review and comparison.   Reviewer Comment (2018-09-25): Title policy provided dated XXXX lists the proposed insured with vesting matching the Deed 09/25/2018     1 A 08/01/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467987 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXXX exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) Fee was added on XXXXX with no valid change of circumstance. The fee was listed on the CoC letter issued with the revised LE, however, the reason for the addition is invalid.   Reviewer Comment (2018-10-22): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2018-10-22): The addition XXXXX was already provided on a previous PCCD while an updated COC was sent in to try justify an increase for the XXXXX. The two cure packages total the requested amount of XXXXX. Reviewer Comment (2018-10-15): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Post Closing CD provided. The Post Closing CD dated XXXXX reflects XXXXX credit for increasing the closing cost above the legal limit. However, the cure amount is XXXXX (XXXXX should be listed rather than XXXXX). Reviewer Comment (2018-09-28): Per the XXXXX dated XXXXXa CDA is required on all loans. There is no indication that the change from a XXXXX would change the CDA requirement. Also the appraisal is dated XXXXX and the CDA is dated XXXXX which are not within the LE dated XXXXX to correspond any additional changes to support a new cost to the borrower that was not disclosed with a valid COC   10/22/2018   2 B 08/01/2018 FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467987 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance 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 XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7580) Fee was increased on XXXXX with no valid change of circumstance. The fee change was listed on the CoC letter issued with the revised LE, however, the reason for the addition is invalid.   Reviewer Comment (2018-10-22): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2018-10-22): The addition XXXXX was already provided on a previous PCCD while an updated COC was sent in to try justify an increase for the XXXXX. The two cure packages total the requested amount of XXXXX Reviewer Comment (2018-10-15): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Post Closing CD provided. The Post Closing CD dated XXXXX reflects XXXXX credit for increasing the closing cost above the legal limit. However, the cure amount is XXXXX (XXXXX should be listed rather than XXXXX). Reviewer Comment (2018-09-28): The COC provided dated XXXXX lists the borrower changed loan programs however the tax service fee is typically not tied to a loan product but is a set fee. There is not evidence the changed in loan program would require a reevaluation of the tax service fee. Reviewer Comment (2018-09-28): Prior comment is not valid   10/22/2018   2 B 08/01/2018 FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467987 [Redacted] [Redacted] [Redacted] [Redacted] 09/20/2018 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status Unable to determine if loan file contains evidence of borrower's consent to receive electronic documents due to missing information. .   Reviewer Comment (2018-09-20): XXXXX Agreement signed by Borrower electronically on XXXXX. 09/20/2018     1 A 08/01/2018 FL Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467987 [Redacted] [Redacted] [Redacted] [Redacted] 09/20/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate XXXXX received on or after the date the Closing Disclosure XXXXX XXXXX AM was received. (Interim/XXXXX) Evidence Revised LE dated XXXXX was delivered or received by the Borrower prior to the CD dated XXXXX was not found.   Reviewer Comment (2018-09-28): The lender provided evidence of the receipt via esign through their internal portal 09/28/2018     1 A 08/01/2018 FL Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467988 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance XXXXX Income Documentation Test   XXXXX are not signed for both tax years.   Reviewer Comment (2018-10-01): All data points have been entered and the signed returns provided. 10/01/2018     1 A 05/24/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467988 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM   Due to missing signed XXXXX returns.   Reviewer Comment (2018-10-01): All data points have been entered and the signed returns provided. 10/01/2018     1 A 05/24/2018 CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467988 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance State Compliance XXXXX Impound Disclosure and Waiver Status Test       Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-09-14): XXXXX elected to waive the exception. 02/21/2019     1 A 05/24/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467988 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance RESPA - Initial Escrow Account Statement Missing   Missing disclosure.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 05/24/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467988 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: XXXXX / End Date: XXXXX // Account Type: XXXXX / Account Number: XXXXX Missing 2 full months verification of assets.   Reviewer Comment (2018-10-01): Per the lender no assets were included from XXXXX to support closing 10/01/2018     1 A 05/24/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467988 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed   Missing borrower acknowledgement receipt of appraisal.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 05/24/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467988 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation   Missing borrower acknowledgement receipt of appraisal.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 05/24/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467989 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage is short XXXXX. Missing cost estimator from insurer.   Reviewer Comment (2018-10-01): The loan amount is XXXXX which is lower than the HOI coverage. The appraisal does not provide a total estimated of Cost-New. 10/01/2018     1 A 07/05/2018 NV Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467989 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/05/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD was signed XXXXX but dated XXXXX   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/05/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467989 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXXX) Seller CD has additional fees of XXXXX not reflected on final borrower CD.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 07/05/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467989 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXXon Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Additional housing payment of XXXXX per month reflected on XXXXX, however no documentation provided.   Reviewer Comment (2018-10-01): Letter of Explanation & Corrected Closing Disclosure   10/01/2018   2 B 07/05/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467990 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003   Final 1003 was not provided.   Reviewer Comment (2018-10-05): Pages 4 of 4 of Final XXXXX executed by the borrower and XXXXX was provided in the trailing documents. 10/05/2018     1 A 07/05/2018 DE Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467990 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaryXXXXX) No evidence of timely delivery was provided.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/05/2018 DE Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467990 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower. Initial escrow account statement was not provided.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/05/2018 DE Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467990 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) Seller's Closing Disclosure was not provided.   Reviewer Comment (2018-10-04): Seller CD provided. 10/04/2018     1 A 07/05/2018 DE Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467990 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Credit Missing Document General Incomplete Document: Closing Disclosure is incomplete   Consumer's Final Closing Disclosure was not provided. Initial Closing Disclosure issued XXXXX was used for testing. Testing is incomplete.   Reviewer Comment (2018-10-11): Final Consumer CD issued XXXXX and executed by the borrowers was provided in the trailing docs. CD has been input for compliance testing. Condition has been cleared. Reviewer Comment (2018-10-05): Trailing documents did not contain the Buyer's Final CD from XXXXX 10/11/2018     1 A 07/05/2018 DE Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467990 [Redacted] [Redacted] [Redacted] [Redacted] 10/04/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Seller Paid Fee's of XXXXX per seller cd. Borrower paid fees total XXXXX. XXXXX disclosed. No exception.   Reviewer Comment (2018-10-04): XXXXX Paid Fee's of XXXXX per seller cd. Borrower paid fees total XXXXX. XXXXXdisclosed. No exception. 10/04/2018     1 A 07/05/2018 DE Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467990 [Redacted] [Redacted] [Redacted] [Redacted] 10/04/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) No seller fees listed on the Buyer's CD.   Reviewer Comment (2018-10-04): Letter of Explanation & Corrected Closing Disclosure provided.   10/04/2018   1 A 07/05/2018 DE Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467990 [Redacted] [Redacted] [Redacted] [Redacted] 10/04/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) Seller Paid Fee's of XXXXX per seller cd. Borrower paid fees total XXXXX. XXXXX disclosed. No exception.   Reviewer Comment (2018-10-04): XXXXX Paid Fee's of XXXXX per seller cd. Borrower paid fees total XXXXX. XXXXXdisclosed. No exception. 10/04/2018     1 A 07/05/2018 DE Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467990 [Redacted] [Redacted] [Redacted] [Redacted] 10/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) PCCD with date issued XXXXX reflects XXXXX in seller paid fees which is the same amount reflects on the seller CD. Proof of electronic delivery to borrower was provided in the trailing documents. Condition has been cleared.   Reviewer Comment (2018-10-11): PCCD with date issued XXXXX reflects XXXXXX in seller paid fees which is the same amount reflects on the seller CD. Proof of electronic delivery to borrower was provided in the trailing documents. Condition has been cleared. 10/11/2018     1 A 07/05/2018 DE Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467990 [Redacted] [Redacted] [Redacted] [Redacted] 10/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Comment: Seller Paid Fee's of XXXXX per seller cd. Borrower paid fees total XXXXX. XXXXX disclosed. No exception.   Reviewer Comment (2018-10-11): Comment: Seller Paid Fee's of XXXXX per seller cd. Borrower paid fees total XXXXX. XXXXX disclosed. No exception. 10/11/2018     1 A 07/05/2018 DE Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467991 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date: ___ The loan disbursed on XXXXX, the updated HOI Dec. page has a date of XXXXX with coverage of XXXXX   Reviewer Comment (2018-10-04): HOI dec page in file shows XXXXX on one copy and XXXXX on another copy. Loan disbursed on XXXXX. 10/04/2018     1 A 07/23/2018 CA Primary Purchase   C A C A B A A A Safe Harbor QM Safe Harbor QM No
204467991 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/23/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Closing date was XXXXX and the signature date was XXXXX   Reviewer Comment (2018-10-04): Letter of Explanation & Corrected Closing Disclosure   10/04/2018   1 A 07/23/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A B A A A Safe Harbor QM Safe Harbor QM Yes
204467991 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD reflects XXXXX in seller paid fees at closing, borrower's final CD shows XXXXX.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 07/23/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A B A A A Safe Harbor QM Safe Harbor QM Yes
204467992 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Credit Legal / Regulatory / Compliance Title / Lien Defect Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___ No final title policy in loan file.   Reviewer Comment (2018-09-25): A final title is not required. The loan images contain a commitment. 09/25/2018     1 A 06/29/2018 TX Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
204467992 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: XXXXX / End Date: XXXXX // Account Type: Checking / Account Number: XXXXX 2 months bank statement not provided   Reviewer Comment (2018-09-25): Per the XXXXX comments the XXXXX account was not included for funds to close or reserves. 09/25/2018     1 A 06/29/2018 TX Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
204467995 [Redacted] [Redacted] [Redacted] [Redacted] 09/10/2018 Credit Loan Package Documentation Closing / Title Missing Document: Rider - Other not provided   XXXXX rider not provided.   Reviewer Comment (2018-09-25): The XXXXX was provided. 09/25/2018     1 A 07/13/2018 WA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204467995 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2019-02-20): Desk review 0XXXXX variance. 02/20/2019     1 A 07/13/2018 WA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204467995 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Credit Legal / Regulatory / Compliance Title / Lien Defect Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___     Reviewer Comment (2018-09-25): A XXXXX is not required the commitment provided meets lender guidelines. 09/25/2018     1 A 07/13/2018 WA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204467995 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX)     Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/13/2018 WA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204467995 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Per appraisal, HOA dues are XXXXX per month, XXXXX per year.   Reviewer Comment (2018-10-04): Letter of Explanation & Corrected Closing Disclosure   10/04/2018   2 B 07/13/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204467995 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller's final CD contained additional fees of XXXXX not reflected on the consumer's CD.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 07/13/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204467995 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Closing Disclosure provided on XXXXX , however date of consummation is XXXXX   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/13/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204467996 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Credit Legal / Regulatory / Compliance Title / Lien Defect Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___ The file was missing a copy of the final title policy.   Reviewer Comment (2018-09-25): Guidelines do not require a final XXXXX 09/25/2018     1 A 03/06/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467996 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.     Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 03/06/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467996 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure did not reflect a dollar amount by which the total closing costs exceeded the legal limit.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 03/06/2018 TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467996 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). XXXXX executed by borrower's was signed and dated XXXXX and the Expiration of the ROR is XXXXX < minimum of XXXXX3 business days.   Reviewer Comment (2018-10-30): The lender provided their XXXXX supporting the XXXXX as a face to face meeting with the client when a new XXXXX was completed. Reviewer Comment (2018-10-28): Updated XXXXX provided signed by borrowers on XXXXX and expiring XXXXX. Missing LOE to borrower for proper cure. Exception remains. Reviewer Comment (2018-09-25): Provided was a copy of the same RXXXXX provided. The signature date is XXXXX, notary date is XXXXXand the cancellation date is XXXXX which is less than three business days. 10/30/2018     1 A 03/06/2018 TX Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467996 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney Review Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (77166) Fee was not disclosed on the Loan Estimate and paid to a different provider.   Reviewer Comment (2018-10-12): Valid XXXXX provided. Reviewer Comment (2018-10-04): In order to determine whether the borrower is permitted to shop for a service (and therefore eligible for XXXXX or unlimited tolerance), TRID regulations provide that shoppable services be identified on the LE. See XXXXX) and related commentary which provides: Shopping for settlement service providers. 2. Disclosure of services for which the consumer may shop. Section1XXXXX requires the creditor to identify the services for which the consumer is permitted to shop in the disclosures provided pursuant to XXXXX. See XXXXX regarding the content and format for disclosure of services for which the consumer may shop. XXXXXrefers to the LE and XXXXX refers to Section XXXXX of the LE (see below). Accordingly, fees/services not disclosed in Section XXXXX of the LE are not considered services the borrower is permitted to shop for and are therefore not eligible for XXXXX or unlimited tolerance regardless of the XXXXX. Note that even the XXXXX refers the borrower to see Section XXXXX on page 2 of the LE to determine which fees borrower can shop for. As the fee in question was not disclosed on the LE, the service is not considered shoppable and therefore subject to XXXXX tolerance. Notwithstanding the above, if the borrower-chosen service provider further outsourced the fee we would accept an attestation confirming this. The attestation should confirm that the service was outsourced by the borrower-chosen provider. 10/12/2018     1 A 03/06/2018 TX Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204467996 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX ___ Missing Verbal Verification of Employment within XXXXX calendar days prior to the closing date for employment income (XXXXX Jumbo Addendum).   Reviewer Comment (2018-09-25): The XXXXX provided is within XXXXXdays of the XXXXX date. 09/25/2018     1 A 03/06/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204467998 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) The seller's CD contained a few fees that were not disclosed on the borrower's final CD.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 07/17/2018 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A A A B A A A Safe Harbor QM Safe Harbor QM Yes
204467999 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance XXXXX Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX). (XXXXX) Most recent 2 years personal tax returns not provided as required by Appendix Q. XXXXX Extension for personal returns provided.   Reviewer Comment (2018-10-04): The loan images contained XXXXX year XXXXX and XXXXX returns, XXXXXt, XXXXX letter and XXXXX verification 10/04/2018     1 A 07/13/2018 FL Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
204467999 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Non QM due to most recent tax year personal return not provided. XXXXX extension in file.   Reviewer Comment (2018-10-04): The loan images contained XXXXX year XXXXX and XXXXX returns, XXXXXt, XXXXX letter and XXXXX verification 10/04/2018     1 A 07/13/2018 FL Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
204467999 [Redacted] [Redacted] [Redacted] [Redacted] 09/12/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller paid fees on the Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD reflects XXXXX in seller paid closing costs, borrower's final CD does not reflect any seller paid closing costs. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing changes made.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 07/13/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
204468000 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Credit Legal / Regulatory / Compliance Title / Lien Defect Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___     Reviewer Comment (2018-09-25): A XXXXX is not required per lender guidelines. 09/25/2018     1 A 06/27/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204468000 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Taxes, hazard and HOAX XXXXX = XXXXX. Closing Disclosure reflects XXXXX.   Reviewer Comment (2018-10-04): Letter of Explanation & Corrected Closing Disclosure Reviewer Comment (2018-09-25): The post close CD provided dated XXXXX has corrected the HOI and taxes however there is no evidence this was sent to the borrower. Please provide evidence of a cover letter and evidence this Closing Disclosure was sent to the borrower.   10/04/2018   2 B 06/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204468000 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided onXXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXXX) Final Closing Disclosure and Notary both dated XXXXX. Note dated XXXXX   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 06/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204468000 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) TRID Non Compliant: Seller paid closing costs disclosed on Seller's CD totaled XXXXX. Seller paid closing costs disclosed on the Borrowers Final CD totaled XXXXX   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 06/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204468001 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD disclosed a Closing Date of XXXXX, however, actual date of consummation is XXXXX per Security Instrument.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204468001 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinalXXXXX) The seller's CD is missing from the loan file.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204468001 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7571) Binding LE disclosed a Verification of Employment Fee of XXXXX and Final CD disclosed XXXXX. Final CD disclosed a Lender Credit of XXXXX for increase in Closing Costs above legal limit which is sufficient to cure XXXXX tolerance.       09/11/2018   1 A 07/06/2018 CA Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204468001 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance State Compliance XXXXX Impound Disclosure and Waiver Timing Test XXXXX State Disclosure: Borrower not provided Impound Disclosure prior to closing.     Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-09-14): XXXXX elected to waive the exception. 02/21/2019     1 A 07/06/2018 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204468002 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Credit Legal / Regulatory / Compliance Title / Lien Defect Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___ The file was missing a copy of the final title policy.   Reviewer Comment (2018-09-25): XXXXX guidelines do not require a finaL XXXXX 09/25/2018     1 A 07/30/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204468002 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) The file is missing evidence of when the borrower received a copy of the appraisal report.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/30/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204468002 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. List of Homeownership Counseling Organizations provided XXXXX which is not within 3 business days of the application date of XXXXX   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/30/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204468002 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance State Compliance XXXXX Impound Disclosure and Waiver Status Test XXXXX State Disclosure: Borrower not provided Impound Disclosure. The file is missing a copy of the XXXXX State Disclosure.   Reviewer Comment (2019-02-21): Outside of scope Reviewer Comment (2018-09-14): XXXXX elected to waive the exception. 02/21/2019     1 A 07/30/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204468002 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The final Closing Disclosure reflects a Closing Date of XXXXX, but the transaction consummation (mortgage notary) date was XXXXX. Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/30/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204468002 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. List of Homeownership Counseling Organizations provided XXXXX which is not within 3 business days of the application date of XXXXX   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 07/30/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
204468002 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure reflects a cure of XXXXX.   Reviewer Comment (2018-09-12): Final Closing Disclosure reflects a cure of XXXXX.   09/12/2018   2 B 07/30/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204468002 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/07/30/2018) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX that includes a seller mortgage payoff of XXXXX. Net seller costs of XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 1 A 07/30/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204468002 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $78.89 exceeds tolerance of $60.00. Insufficient or no cure was provided to the borrower. (7520) Fee disclosed as XXXXX on CD dated XXXXX, but disclosed as XXXXX on Final Closing Disclosure. Cure of XXXXX on final CD.   Reviewer Comment (2018-09-12): Cured at closing.   09/12/2018   2 B 07/30/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204468002 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXXX) Missing VVOE or Business License with Dates of Employment   Reviewer Comment (2018-09-25): The loan images contained a business profile/internet third party verification supporting the borrower XXXXX. 09/25/2018     1 A 07/30/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204468003 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX) XXXXX extension for personal returns in the file. Most recent tax return not utilized in income calculation based on application date and tax return due date.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 06/19/2018 CO Primary Refinance - Cash-out - Debt Consolidation   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204468003 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final disclosure reflects closing date of XXXXX; however, notary date reflects XXXXX.   Reviewer Comment (2018-09-14): XXXXX elected to waive the exception.     09/14/2018 2 B 06/19/2018 CO Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204468003 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) Appraisal fee of XXXXX was disclosed as XXXXX on binding LE; cure of (XXXXXX) was provided at closing.       09/11/2018   1 A 06/19/2018 CO Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204468003 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount ofXXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) Credit report fee of XXXXX was disclosed as XXXXX on binding LE; cure of (XXXXX) was provided at closing.       09/11/2018   1 A 06/19/2018 CO Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204468003 [Redacted] [Redacted] [Redacted] [Redacted] 09/11/2018 Compliance Compliance Federal Compliance TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Right to cancel reflects expiration date of XXXXX; actual expiration date should be XXXXX.   Reviewer Comment (2018-10-28): Correct XXXXX forms provided for both borrowers. Exception cleared. Reviewer Comment (2018-10-05): XXXXX with an expiration date of XXXXX was uploaded for only borrower 2. Please provide XXXXX for Borrower 1 in addition to Borrower 2. 10/28/2018     1 A 06/19/2018 CO Primary Refinance - Cash-out - Debt Consolidation TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831845 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-11-29): XXXXX provided with XXXXX variance. Exception cleared. 11/29/2018     1 A 09/28/2018 WA Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831845 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Credit Assets Asset Documentation Asset documentation requirements not met according to Decision System Input.   Settlement Statement to support funds from REO sold was not provided.   Reviewer Comment (2018-11-06): Final closing statement XXXXX from sale of vacating property XXXXXt. was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-06): COPY OF THE FINAL XXXXX FOR THE SELL OF THE XXXXX Seller Comment (2018-11-05): copy of final Settlement statement from the sell of XXXXX Reviewer Comment (2018-10-29): XXXXX Statement provided is for subject transaction and not the sale of XXXXX. Need XXXXX statement for XXXXX to verify proceeds and sale of XXXXX. Seller Comment (2018-10-26): copy of Settlement Statement 11/06/2018     1 A 09/28/2018 WA Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831845 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX)     Reviewer Comment (2018-10-31): Waived by XXXXX     10/31/2018 2 B 09/28/2018 WA Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831845 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (XXXXX) does not match Due Diligence Loan Designation of ATR Risk. Settlement Statement to support funds from REO sold was not provided.   Reviewer Comment (2018-11-06): Final closing statement XXXXX from sale of vacating property XXXXXt. was provided in the trailing docs. Condition has been cleared. 11/06/2018     1 A 09/28/2018 WA Primary Purchase Lender to provide updated ATR/QM status C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831845 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXXX) Final CD was provided was less than 3 business days from closing date of XXXXX.   Reviewer Comment (2018-10-29): Received proof of delivery and receipt on XXXXX Seller Comment (2018-10-26): copy of XXXXX 10/29/2018     1 A 09/28/2018 WA Primary Purchase No Defined Cure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831845 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-10-29): Received XXXXX statement verifying seller paid closing costs totaling XXXXX. Seller Comment (2018-10-26): copy of Settlement Statement 10/29/2018     1 A 09/28/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831845 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility XXXXX: Investor qualifying total debt ratio discrepancy.   Borrower is selling is XXXXX for this XXXXX. Could not located closing statement or final CD which we need for assets and to exclude from DTI. Added PITI of XXXXXto DTI.   Reviewer Comment (2018-11-06): Final closing statement XXXXX from sale of vacating property XXXXXt. was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-05): copy of Final Settlement Statement for the sell of theXXXXX Reviewer Comment (2018-10-29): XXXXX Statement provided is for subject transaction and not the sale of XXXXX. Need XXXXX statement for XXXXX to verify proceeds and sale of XXXXX Seller Comment (2018-10-26): copy of Settlement Statement 11/06/2018     1 A 09/28/2018 WA Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831845 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Credit Assets Asset Calculation / Analysis Available for Closing is insufficient to cover Cash From Borrower.   Borrower is selling is XXXXX for this XXXXX. Could not located closing statement or final CD which we need for assets and to exclude from DTI. Added PITI of XXXXXto DTI.   Reviewer Comment (2018-11-06): Final closing statement XXXXX from sale of vacating property XXXXXt. was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-05): copy of the Final Settlement Statement from the sell of the XXXXX Reviewer Comment (2018-10-29): XXXXX Statement provided is for subject transaction and not the sale of XXXXX. Need XXXXX statement for XXXXX to verify proceeds and sale of XXXXX Seller Comment (2018-10-26): copy of Settlement Statement 11/06/2018     1 A 09/28/2018 WA Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831845 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Borrower is selling is XXXXX for this XXXXX. Could not located closing statement or final CD which we need for assets and to exclude from DTI. Added PITI of XXXXXto DTI.   Reviewer Comment (2018-11-06): Final closing statement XXXXX from sale of vacating property XXXXXt. was provided in the trailing docs. Condition has been cleared. Reviewer Comment (2018-10-29): XXXXX Statement provided is for subject transaction and not the sale of XXXXX. Need XXXXX statement for XXXXX to verify proceeds and sale of XXXXX Seller Comment (2018-10-26): copy of Settlement Statement 11/06/2018     1 A 09/28/2018 WA Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831845 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Borrower is selling is XXXXX for this XXXXX. Could not located closing statement or final CD which we need for assets and to exclude from DTI. Added PITI of XXXXXto DTI.   Reviewer Comment (2018-11-06): Final closing statement XXXXX from sale of vacating property XXXXXt. was provided in the trailing docs. Condition has been cleared. Reviewer Comment (2018-10-29): XXXXX Statement provided is for subject transaction and not the sale of XXXXX. Need XXXXX statement for XXXXX to verify proceeds and sale of XXXXX Seller Comment (2018-10-26): copy of Settlement Statement 11/06/2018     1 A 09/28/2018 WA Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831845 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds XXXXXand the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Borrower is selling is XXXXX for this XXXXX. Could not located closing statement or final CD which we need for assets and to exclude from DTI. Added PITI of XXXXXto DTI.   Reviewer Comment (2018-11-06): Final closing statement XXXXX from sale of vacating property XXXXXt. was provided in the trailing docs. Condition has been cleared. Reviewer Comment (2018-10-29): XXXXX Statement provided is for subject transaction and not the sale of XXXXX. Need XXXXX statement for XXXXX to verify proceeds and sale of XXXXX Seller Comment (2018-10-26): copy of Settlement Statement 11/06/2018     1 A 09/28/2018 WA Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831846 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX)     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204831846 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831846 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD has a closing date of XXXXX vs the date the Notary singed the security Instrument XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831846 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) Final CD reflects Homeowners premium of XXXXX collected at closing, breakdown of XXXXX (premium) +XXXXX ( fees) . Premium of XXXXX / XXXXX = XXXXX matches monthly amount in section G of final CD.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831846 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desktop Review is inconclusive.   Reviewer Comment (2018-11-23): XXXXX provided with value of XXXXX, a XXXXXvariance. Exception cleared. 11/23/2018     1 A 09/27/2018 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204831847 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed a Closing Date of XXXXX that did not match the actual date of consummation of XXXXX. Security instrument notarized XXXXX. Final Closing Disclosure signed by borrowers XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831847 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831847 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7200) Loan Discount Points was not disclosed on the initial LE but on the final CD reads XXXXX. It appears the borrower was not notified of this additional fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-11-07): XXXXX was provided in the trailing docs reflecting a valid changed circumstance for LE XXXXX from float to lock with XXXXX discount points disclosed. Condition has been cleared. 11/07/2018     1 A 09/01/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831847 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7561) Title - Settlement / Closing / Escrow Fee was not disclosed on the initial LE but on the final CD reads XXXXX. It appears the borrower was not notified of this additional fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-11-07): Upon further review, XXXXX fee was disclosed on original LE and does not exceed XXXXX tolerance. Condition has been cleared. 11/07/2018     1 A 09/01/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831847 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-11-29): ARR provided. 11/29/2018     1 A 09/01/2018 CA Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831847 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) Final CD and Seller CD did not disclose any seller paid fees.   Reviewer Comment (2018-11-08): XXXXX statement XXXXX was provided in the trailing docs and confirms all fees per contract to be paid by buyer. Condition has been cleared. 11/08/2018     1 A 09/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831847 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX, Borrower: XXXXX     Reviewer Comment (2018-11-05): XXXXX was provided in the trailing docs for co-borrower and reflects prior monthly salary of XXXXXwhich evidences why XXXXX average is slightly lower than current salary of XXXXX. Regardless, lower amount of XXXXX was used by lender and supported by XXXXXon paystub ending XXXXX. Condition has been cleared. 11/05/2018     1 A 09/01/2018 CA Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831847 [Redacted] [Redacted] [Redacted] [Redacted] 11/07/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount ofXXXXX exceeds tolerance ofXXXXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) Sufficient cure of XXXXX was provided.       11/07/2018   1 A 09/01/2018 CA Primary Purchase Final CD evidences Cure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831848 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Recording Fee was disclosed on the initial LE in the amount of XXXXX but on the final CD reads XXXXX. It appears the borrower was not notified of this increased fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-11-07): Borrower paid portion was XXXXX. No tolerance violation exists. Exception cleared. Seller Comment (2018-10-31): Final XXXXX reflect recording charges of XXXXX 11/07/2018     1 A 09/19/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831848 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided       Reviewer Comment (2018-11-14): XXXXXl was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-14): attached Reviewer Comment (2018-11-05): XXXXXwas re-uploaded in the trailing docs. Lender approval was not provided. Condition remains. 11/14/2018     1 A 09/19/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831848 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Cd closing date on 1st page reflects XXXXX, borrower's signed on XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831848 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) Hazard policy premium amount is XXXXX, however an additional XXXXX was added to premium of XXXXX which was collected on the final CD in section F. In section H the monthly hazard is XXXXX x XXXXX = XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831848 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831848 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831849 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance coverage amount insufficient by XXXXX.   Reviewer Comment (2018-10-31): Received XXXXX reflecting XXXXXreplacement cost. Coverage sufficient. Seller Comment (2018-10-30): Please take another look at the XXXXX. XXXXX coverage is XXXXXwith XXXXXReplacement cost coverage. condition is invalid. Please clear. thank you 10/31/2018     1 A 09/26/2018 MA Primary Purchase   C A C A B A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831849 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing secondary valuation   Reviewer Comment (2018-12-07): provided 12/07/2018     1 A 09/26/2018 MA Primary Purchase   C A C A B A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831849 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/26/2018 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A B A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831850 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing secondary valuation product required for securitization.   Reviewer Comment (2018-12-07): provided 12/07/2018     1 A 10/01/2018 WA Primary Purchase   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831850 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) The file does not provide evidence that the Borrower received an appraisal.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 10/01/2018 WA Primary Purchase   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831850 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Final/XXXXX) The field in section F is s blank on the final CD.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 10/01/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831850 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) The Seller CD reflects XXXXX in seller paid fees, the Consumer CD reflects XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 10/01/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831851 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) The consumer's final Closing Disclosure issued on XXXXX disclosed seller paid fees of XXXXX, however seller's Closing Disclosure disclosed seller paid XXXXX total fees at closing, a difference of XXXXX. It is required that Consumer's Closing Disclosure match seller Closing Disclosure regarding seller paid fees.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/18/2018 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A A A B A A A Safe Harbor QM Safe Harbor QM Yes
204831853 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. No Signature   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 NJ Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831853 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This section was not completed   Reviewer Comment (2018-10-30): A Cure of XXXXX was given to the borrower for Tolerance Overage on page XXXXX of XXXXX 10/30/2018     1 A 09/27/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831853 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) Zero Percent Fee Tolerance exceeded for Transfer Tax. Buyer Fee portion of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower   Reviewer Comment (2018-10-30): A Cure of XXXXX was given to the borrower for Tolerance Overage on page XXXXX of XXXXX Seller Comment (2018-10-29): A Cure of XXXXX was given to the borrower for Tolerance Overage on page XXXXX of XXXXX 10/30/2018     1 A 09/27/2018 NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831853 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) The seller CD lists fees paid as XXXXX whereas the buyer final CD lists seller paid fees of XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/27/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831855 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Past due property taxes, previous year property taxes, Release Tracking, Radon inspection and Water/Sewer escrows disclosed on the seller CD were not disclosed on the buyer CD.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/25/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831855 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Closing disclosure doc # 18 , shows a closing date of XXXXX and the loan closing date was XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831856 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) Seller Closing Disclosure Fees seller paid fees in the amount of XXXXX do not match Seller Paid Fees reflected on Consumer's Final CD provided XXXXX in the amount of XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831856 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) The correct annual premium of XXXXX is based on the final premium amount per hazard ins dec page. The other figure of XXXXX includes an optional coverage premium not confirmed as accepted by borrower.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831857 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on XXXXX was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/XXXXX) Loan Estimate provided on XXXXX was electronically provided prior to borrower's consent to receive electronic disclosures.   Reviewer Comment (2018-11-01): XXXXX elected to waive the exception. Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     11/01/2018 2 B 09/17/2018 CA Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
204831857 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller Closing Disclosure not located in the file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/17/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831858 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Post-close CD in file dated XXXXX contains the correct consummation date of XXXXX. Unable to clear since we're missing LOE to borrower and evidence of deliver   Reviewer Comment (2018-11-01): XXXXX elects to waive. Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     11/01/2018 2 B 09/14/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831858 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-11-01): XXXXX elects to waive. Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     11/01/2018 2 B 09/14/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831858 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on XXXXX reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/XXXXX) The paid to fees to the lender are entered as disclosed on the CD.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/14/2018 CA Primary Refinance - Rate/Term Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831858 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7325) Loan Origination Fee was not disclosed on the initial LE but on the final CD reads XXXXX. It appears the borrower was not notified of this additional fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-11-06): Upon further review, loan XXXXX fee XXXXXwas disclosed on all LEs. Condition has been cleared. Seller Comment (2018-10-31): The XXXXX Fee of XXXXX is on the original LEs and CDs. Please review and clear the condition. 11/06/2018     1 A 09/14/2018 CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831858 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Title - Endorsement Fee was not disclosed on the initial LE but on the final CD reads XXXXX. Title - Lender's Title Insurance Fee was not disclosed on the initial LE but on the final CD reads XXXXX. Title - Settlement/Closing/Escrow Fee was not disclosed on the initial LE but on the final CD reads XXXXX. Title - Sub Escorw Fee was not disclosed on the initial LE but on the final CD reads XXXXX. Title - Wire/Funding/Disbursement Fee was not disclosed on the initial LE but on the final CD reads XXXXX. It appears the borrower was not notified of these additional fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver. Recording fee on the initial LE was XXXXX but on the final CD is reflects XXXXX   Reviewer Comment (2018-11-07): Upon further review, fees subject to XXXXX tolerance were listed on LE in the amount of XXXXX and final CD reflects XXXXX. XXXXXtolerance was not exceeded. Condition has been cleared. Seller Comment (2018-10-31): Please review the attached XXXXX and provide a break down of the out of tolerance fees as well as the total to cure for this loan. 11/07/2018     1 A 09/14/2018 CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831859 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. The subject file did not include the Loan Originator Disclosure Form   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831859 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance XXXXX Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX). (XXXXX) Missing YTD P&L.   Reviewer Comment (2018-10-31): Received YTD P & L for CB's business. Seller Comment (2018-10-30): P&L 10/31/2018     1 A 09/24/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831859 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Due to missing co-borrower XXXXX letter or business license.   Reviewer Comment (2018-10-31): Received YTD P & L for CB's business. 10/31/2018     1 A 09/24/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831859 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed a finance charge of XXXXX, calculated finance charge are XXXXX, resulting in a variance of XXXXX. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-11-12): Proof of delivery via tracking verified. Exception cured. Reviewer Comment (2018-11-08): Letter of Explanation, Airbill for Delivery, Refund check for underdisclosed amount of XXXXX , and Corrected CD provided. Exception will be cured once airbill tracking confirms delivery on XXXXX. Exception remains. Seller Comment (2018-11-07): tolerance cure Seller Comment (2018-10-31): Please provide a breakdown of how you came up with calculated XXXXX charge of XXXXX   11/12/2018   2 B 09/24/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831859 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831859 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXX. Insufficient or no cure was provided to the borrower. (0) Pest Inspection Fee was not disclosed on the initial LE but on the final CD reads XXXXX. It appears the borrower was not notified of this additional fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver. Recording fee on initial LE was XXXXX and final CD reads XXXXX.   Reviewer Comment (2018-11-08): PCCD provided along with XXXXXt Statement reflecting the XXXXX paid XXXXX fee was not charged. Exception cleared. Seller Comment (2018-11-07): Attached is the actual final Settlement Statement. XXXXX. was not charged. It have been removed. Reviewer Comment (2018-11-06): XXXXX Fee (when) listed on Section XXXXX of CD is subject to XXXXX tolerance. Condition remains. Seller Comment (2018-11-02): XXXXX fee is seller paid - no fee to borrower. We do not need to refund. The additional fees can change, the providers were borrower chosen. We do not need to refund. 11/08/2018     1 A 09/24/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831859 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXXX) Third party verification was not provided via XXXXX letter or Business XXXXX for co-borrower.   Reviewer Comment (2018-10-31): Waived by Goldman     10/31/2018 2 B 09/24/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831859 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on XXXXX was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/XXXXX) LE was E-Signed on XXXXX and E-Sign consent agreement is on XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831859 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/24/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation disclosure not provided   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/18/2018 WA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Application date is XXXXX and disclosure was not provided to the borrower until XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/18/2018 WA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Application date is XXXXX and disclosure was not provided to the borrower until XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/18/2018 WA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Notary date is XXXXX, closing date on final CD is XXXXX which co-inside and the dismemberment date is XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/18/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Application date is XXXXX and disclosure was not provided to the borrower until XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/18/2018 WA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance State Compliance Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) XXXXX XXXXX XXXXX: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application. Application date is XXXXX and disclosure was not provided to the borrower until XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/18/2018 WA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Application date is XXXXX and disclosure was not provided to the borrower until XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/18/2018 WA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XXXXX) Application date is XXXXX and disclosure was not provided to the borrower until XXXXX.   Reviewer Comment (2018-11-08): LEXXXXX was provided in the trailing docs which is within XXXXX days of application XXXXX. Condition has been cleared. Seller Comment (2018-11-05): XXXXX - initial LE sent by XXXXX on XXXXX 11/08/2018     1 A 09/18/2018 WA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller Closing Disclosure is missing.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/18/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) No cure provided to the borrower.   Reviewer Comment (2018-11-09): XXXXXcontract reflects escrow fee paid by buyer and seller.XXXXX subject to XXXXX tolerance. XXXXX originally disclosed for a variance less than XXXXX. Condition has been cleared. Seller Comment (2018-11-06): Please provide specific calculations for tolerance overage amount. Which fees are you referring to? 11/09/2018     1 A 09/18/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) No information provided.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/18/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831860 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering compliance/Safe Harbor Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/18/2018 WA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831861 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-07): Provided 12/07/2018     1 A 09/15/2018 CA Primary Refinance - Cash-out - Other   C B A B C B C A Safe Harbor QM Safe Harbor QM No
204831861 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed a Closing Date of XXXXX that did not match the actual date of consummation of XXXXX.   Reviewer Comment (2018-10-31): Waived by XXXXX     10/31/2018 2 B 09/15/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A B C B C A Safe Harbor QM Safe Harbor QM Yes
204831861 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. No cure or valid Change of Circumstance was provided to the borrower.   Reviewer Comment (2018-10-31): Received XXXXXstatement and PCCD verifying recording fees charged were XXXXX. Fee is within disclosed tolerance. Issue cleared Seller Comment (2018-10-30): final XXXXX Statement Reviewer Comment (2018-10-29): Need XXXXXstatement in addition to PCCD to validate recording fee decrease. Seller Comment (2018-10-29): Final Closing Disclosure 10/31/2018     1 A 09/15/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A B C B C A Safe Harbor QM Safe Harbor QM Yes
204831861 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure provided on XXXXX did not disclosed an amount by which the Total Closing Costs exceeded the legal limit.   Reviewer Comment (2018-10-31): Received XXXXXstatement and PCCD verifying recording fees charged were XXXXX. Fee is within disclosed tolerance. Issue cleared 10/31/2018     1 A 09/15/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A B C B C A Safe Harbor QM Safe Harbor QM Yes
204831861 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed a Finance Charge of XXXXX that does not match the actual finance charge of XXXXX for the loan. for a difference of XXXXX.   Reviewer Comment (2018-11-06): PCCD XXXXX was provided in the trailing docs and reflects a lender credit of XXXXXwhich is the amount of the finance charge variance. Proof of delivery to borrower along with check provided in the file. Condition has been cleared. Seller Comment (2018-11-02): proof of tolerance Seller Comment (2018-10-31): Can we get a breakdown of the fees that are including in your test? Seller Comment (2018-10-31): Please provide a break down of how you came up with the finance charge of XXXXX? Reviewer Comment (2018-10-31): A revised PCCD is not sufficient to cureXXXXX under-disclosure. Based on the PCCD, the only fee that decreased is the courier fee by XXXXX. Under-disclosure at the time of closing was XXXXX. A refund will be needed to cure. Seller Comment (2018-10-30): Closing Disclosure Reviewer Comment (2018-10-29): Issue remains - unclear what PCCD is to represent. Seller Comment (2018-10-29): Final Closing Disclosure 11/06/2018     1 A 09/15/2018 CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A B C B C A Safe Harbor QM Safe Harbor QM Yes
204831861 [Redacted] [Redacted] [Redacted] [Redacted] 11/16/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-11-29): XXXXX elected to waive the exception. Reviewer Comment (2018-11-16): XXXXX provided dated XXXXX reflecting no damage, however no end date has been declared yet. Exception remains.     11/29/2018 2 B 09/15/2018 CA Primary Refinance - Cash-out - Other   C B A B C B C A Safe Harbor QM Safe Harbor QM No
204831862 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: XXXXX / End Date: XXXXX // Account Type: XXXXX / Account Number: XXXXX 2nd months bank statement not provided in file as required by XXXXX.   Reviewer Comment (2018-11-05): Updated XXXXX XXXXX was provided in the trailing docs reflecting approve/eligible with no assets. Assets were not included in qualifying. Condition has been cleared. Seller Comment (2018-10-31): Please see updated XXXXX 11/05/2018     1 A 09/26/2018 CA Primary Refinance - Rate/Term   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831862 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation disclosure not provided   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Refinance - Rate/Term   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831862 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Final CD does not reflect the Lenders Contact Name or Contact NMLS ID#.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831863 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXXX)     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 CA Primary Purchase   B B A B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831863 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) Signed and Dated Final CD XXXXX indicates an annual HOI premium of XXXXX. HOI escrow payments indicates a monthly premium of XXXXX/month, which totals XXXXX/yr.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831863 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) Seller paid costs on Final, signed and dated CD = XXXXX. Seller paid costs on the Seller's final signed and dated CD = XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/24/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831863 [Redacted] [Redacted] [Redacted] [Redacted] 11/16/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-11-29): XXXXX elected to waive the exception. Reviewer Comment (2018-11-16): XXXXXreceived dated XXXXX reflecting no damage, however no end date has been declared. Exception remains.     11/29/2018 2 B 09/24/2018 CA Primary Purchase   B B A B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831865 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This section was not completed   Reviewer Comment (2018-10-30): Lender cured on the PCCD dated XXXXX by refunding the borrower XXXXX. Received copy of the check, LOE, corrected CD, and proof of delivery.   10/30/2018   2 B 09/21/2018 FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831865 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount ofXXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7200) Loan Discount Points disclosed as XXXXX on the LE dated XXXXX; but disclosed as XXXXX on the Final Closing Disclosure.   Reviewer Comment (2018-10-29): Received proof of valid COC 10/29/2018     1 A 09/21/2018 FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831865 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7564) The file is missing a valid COC as the borrower loan amount and provider did not change from XXXXX to XXXXX. The file is missing a valid COC or cure to the borrower.   Reviewer Comment (2018-10-30): Lender cured on the PCCD dated XXXXX by refunding the borrower XXXXX. Received copy of the check, LOE, corrected CD, and proof of delivery. Reviewer Comment (2018-10-29): Fee increased on XXXXX with no proof of valid COC in file.   10/30/2018   2 B 09/21/2018 FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831865 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7567) The file is missing a valid COC as the borrower loan amount and provider did not change from XXXXX to XXXXX. The file is missing a valid COC or cure to the borrower.   Reviewer Comment (2018-10-30): Lender cured on the PCCD dated XXXXX by refunding the borrower XXXXX. Received copy of the check, LOE, corrected CD, and proof of delivery. Reviewer Comment (2018-10-29): Fee increased on XXXXX with no proof of valid COC in file.   10/30/2018   2 B 09/21/2018 FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831865 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) The file is missing a valid COC as the borrower loan amount and provider did not change from XXXXX to XXXXX. The file is missing a valid COC or cure to the borrower.   Reviewer Comment (2018-10-30): Lender cured on the PCCD dated XXXXX by refunding the borrower XXXXX. Received copy of the check, LOE, corrected CD, and proof of delivery. Reviewer Comment (2018-10-29): Fee increased on XXXXX with no proof of valid COC in file.   10/30/2018   2 B 09/21/2018 FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831866 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Home Loan Toolkit disclosure was not found in loan file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/13/2018 CA Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
204831866 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) The seller fees were added to the final CD.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/13/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831866 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desk Review is inconclusive.   Reviewer Comment (2018-11-28): XXXXXl provided with a value of XXXXX, a +XXXXX variance. Exception cleared. 11/28/2018     1 A 09/13/2018 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204831867 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Verified per audit review.   Reviewer Comment (2018-10-31): XXXXXelects to waive     10/31/2018 2 B 09/25/2018 OK Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831867 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. (8304) Verified per review of CD in loan file.   Reviewer Comment (2018-11-06): Upon further review XXXXX fee increased from XXXXXto XXXXXon LE dated 7/3/18. Valid changed circumstance reflecting loan amount change in file affecting state transfer tax. Condition has been cleared. Seller Comment (2018-10-31): Hello Underwriter states XXXXX are good for XXXXX days therefore XXXXX is valid. For the K1 less than XXXXX ownership transcripts are not needed. XXXXX Only in XXXXXand was marked final. Not on XXXXXreturn. For K1 XXXXX only in XXXXX not on XXXXX For XXXXX less of ownership we do not need transcripts or returns. Please have this cleared. 11/06/2018     1 A 09/25/2018 OK Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831867 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. XXXXX tax return was not provided.   Reviewer Comment (2018-12-03): Loan is XXXXX Reviewer Comment (2018-11-26): Paystub or Pay Period End are not within 90 days of Note, "OR" Commission Income is > 25% of total income and missing 2 years signed tax returns or transcripts. The paystub provided is dated XXXXX, greater than 90 days. Seller Comment (2018-11-13): XXXXX tax returns were not filed and the extension was provided in the file upon delivery. XXXXX & XXXXXX returns were sent to you. Please advise. thank you!! Reviewer Comment (2018-11-07): Appendix XXXX not met due to missing XXXXX most recent years tax returns, XXXXX tax returns were not provided. Seller Comment (2018-11-07): Per underwriter XXXXX are good for XXXXX days 12/03/2018     1 A 09/25/2018 OK Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831867 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Commission Pay Stubs Qualified Mortgage (Dodd-Frank 2014): Copies of signed tax returns for last two (2) years or most recent pay stub not provided for Commission income. (XXXXX) Appendix Q not met due to missing 2 most recent years tax returns, XXXXX tax returns were not provided.   Reviewer Comment (2018-11-26): The loan file contains a written VOE for the commission income that was within 90 days of the transaction date, this backstops the paystub that is within 120 days. Exception cleared. Reviewer Comment (2018-11-26): Paystub or Pay Period End are not within 90 days of Note, "OR" Commission Income is > 25% of total income and missing 2 years signed tax returns or transcripts. The paystub provided is dated XXXXX, greater than 90 days as of the Note date. Seller Comment (2018-11-14): Please have XXXXX review. The application on this loan was XXXXX, loan closed XXXXX. We have an extension for XXXXX taxes in the file which is good up to XXXXX so we do not need the XXXXX taxes. Reviewer Comment (2018-11-08): XXXXX not met due to missing 2 most recent years tax returns, XXXXX tax returns were not provided. Seller Comment (2018-11-07): Hello per underwriter, XXXXX is valid for XXXXX days 11/26/2018     1 A 09/25/2018 OK Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831867 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/25/2018 OK Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831867 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance K-1 Documentation Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX)     Reviewer Comment (2018-11-30): K-1 reflects XXXXX as final K-1. Exception cleared. Reviewer Comment (2018-11-08): XXXXX not met due to missing XXXXX most recent years K1s. XXXXX K1 was not provided. Seller Comment (2018-11-07): per underwriter: **For the K1XXXXX less than XXXXX ownership we have never gotten any transcripts. XXXXX Only in XXXXX and marked Final Not on XXXXX returns. 11/30/2018     1 A 09/25/2018 OK Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831867 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance K-1 Documentation Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX)     Reviewer Comment (2018-12-03): XXXXX less than XXXXX%, therefore not XXXXX, XXXXX K-1 not required. Reviewer Comment (2018-11-08): XXXXX not met due to missing XXXXX most recent years K1s. XXXXX K1 was not provided. Seller Comment (2018-11-07): Per underwriter: ** For the XXXXX Less than XXXXX ownership-XXXXXX only in XXXXX so no XXXXX XXXXX and Never get transcripts or Business returns for anything less than XXXXX ownership. 12/03/2018     1 A 09/25/2018 OK Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831868 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date: ___ The Hazard Insurance Policy in file has an effective date of XXXXX, however the Note is dated XXXXX and closing took place XXXXX. Therefore, it is required that hazard insurance be effective on or prior to the Note date, or closing date.   Reviewer Comment (2018-11-14): Lender comments and CD reflect disbursement date of XXXXX. Hazard effective date XXXXX. Condition has been cleared. Seller Comment (2018-11-14): Loan funded on XXXXX, but disbursed on XXXXX, which is perfectly normal for CA purchase loans. Please review and clear. If you don't agree, please send to XXXXX to review. Reviewer Comment (2018-11-08): Closing instructions and prepaid interest listed on CD reflect a disbursement date of XXXXX however Page 1 of PCCD reflects a disbursement date of XXXXX. Seller Comment (2018-11-06): not sure how to handle . Per diem didn't change but all pro rated charges were calculated XXXXX. Please advise Reviewer Comment (2018-11-06): Closing instructions reflect disbursement date of XXXXX. CD provided in trailing docs reflects disbursement date of XXXXX however prepaid interest was from XXXXX. Please provide accurate PCCD 11/14/2018     1 A 09/19/2018 CA Primary Purchase   C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831868 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) The consumer's final Closing Disclosure issued on XXXXX disclosed seller paid fees of XXXXX. However, seller's closing disclosure disclosed seller paid a total of XXXXX at closing, which was a XXXXX difference.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831869 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014): Unable to verify Wages/W-2 income using reasonably reliable third-party records. (XXXXX) Income was verified through The Work Number.   Reviewer Comment (2018-11-07): VVOE dated XXXXX provided. Exception cleared. Seller Comment (2018-11-06): Current VOE showing current earnings for 2018 Reviewer Comment (2018-11-05): WVOE XXXXX not dated within reasonable time frame for this income source. Condition remains. Seller Comment (2018-10-31): What do you need to clear this condition? An updated Work Number with current earnings? 11/07/2018     1 A 09/25/2018 WA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831869 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Unable to verify wages using reasonably reliable third-party records.   Reviewer Comment (2018-11-07): VVOE dated XXXXX provided. Exception cleared. Reviewer Comment (2018-11-05): WVOE XXXXX not dated within reasonable time frame for this income source. Condition remains. 11/07/2018     1 A 09/25/2018 WA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831869 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXXXX is in excess of the allowable maximum of XXXXX of the Federal Total Loan Amount. Points and Fees total XXXXX on a Federal Total Loan Amount of XXXXX vs. an allowable total of XXXXX (an overage of XXXXX or XXXXX). Fees have been confirmed.   Reviewer Comment (2018-11-07): Upon further review no points and fees violation exists. Rate Lock Fee was credited to borrower at close. Exception cleared. Reviewer Comment (2018-11-05): Loan Originator Compensation paid by a creditor to broker is to be included in points and fees testing per 12 CFR 1026.43 (e)(3). If discount points were bona fide, please provide rate and points worksheet reflecting the undiscounted rate. Exception remains. Seller Comment (2018-10-31): The borrower only paid $XXXXX in Points. The $XXXXX is Lender Paid Broker Comp that is paid from the lender to the broker, not charged to the borrower. See page 2 of CD 11/07/2018     1 A 09/25/2018 WA Primary Purchase If a creditor or assignee determines after consummation that the total points and fees exceeds the 3% limit, but the loan meets the other requirements to be a QM, the excess amount can be refunded, including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) The refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments). The lender will also be required to provide a copy of the refund check and proof of delivery. C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831869 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (XXXXX) does not match Due Diligence Loan Designation of ATR Fail. QM failure due to income   Reviewer Comment (2018-11-07): Exception cleared due to loan meets QM points and fees testing. 11/07/2018     1 A 09/25/2018 WA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831869 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) Finance charge understated by XXXXX   Reviewer Comment (2018-11-05): Upon further review, the variance of $XXXXX is due to the rate lock fee. Page 2 of CD reflects rate lock fee of $XXXXX however page 3 reflects a lock deposit credit in the same amount of $XXXXX. Fee not included in finance charge as it was returned to the borrower. Condition has been cleared. Seller Comment (2018-10-31): The Rate Lock was returned to the borrower on page 3 of the CD (see attached), that is why it is not included in the Finance Charge 11/05/2018     1 A 09/25/2018 WA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831869 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Lender's contact name and NMLS number is missing.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831869 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) No cost to cure provided.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831869 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7335) No cost to cure provided.   Reviewer Comment (2018-11-07): Credit received at close from lender for Rate Lock. Exception cleared. Seller Comment (2018-10-31): The Rate Lock was returned to the borrower on page 3 of the CD (see attached), that is why it is not part of the tolerance 11/07/2018     1 A 09/25/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831869 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. The disclosure is missing.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 WA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831869 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD disclosed a closing date of 9/28/18. Consummation date is 9/27/18.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831869 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller's CD disclosed a total of XXXXX in fees. Final CD only disclosed a total of XXXXX in seller paid fees.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/25/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831870 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.     Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831870 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Post Close Closing Disclosure Total Of Payments Test Non-Rescindable Transactions TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Total of Payments of XXXXX disclosed on the Final Closing Disclosure dated XXXXX is inaccurate by more than XXXXX compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of XXXXX provided on XXXXX, a difference of XXXXX. (Post-Close/XXXXX) Section B fees increased on PCCD causing the Total Of Payments disclosed on the final CD dated XXXXX to be under disclosed. Remediation includes Letter of Explanation, Refund check for under disclosed equivalent amount, updated CD and proof of delivery.   Reviewer Comment (2018-12-03): XXXXX received attestation indicating changes were the result of post close changes and figures were correct at time of closing. Exception cleared. Reviewer Comment (2018-11-28): If XXXXX receives evidence or an attestation that the change in title fees reflected on the PCCD result from events that occurred after closing, we will clear the exception under the notion that the figures were correct at the time of consummation and any changes noted on the PCCD were the result of an after-closing event. Otherwise, the cure for the TOP exception includes a Letter of Explanation, Copy of Refund check for under-disclosed amount, Proof of Delivery, and Corrected CD. Seller Comment (2018-11-28): Sorry, correction** **Per TRID reg, we have to disclose the full premium with any adjustment/credit to the borrower on page 3. Seller Comment (2018-11-28): $XXXXX is the discounted premium - Per TRID reg, we have to disclose the full premium with any adjustment/credit to the borrower on page 1. Reviewer Comment (2018-11-27): What was the cause for the title insurance increase from $XXXXX to $XXXXX? Seller Comment (2018-11-26): The title fees fall into the 10% Tolerance Bucket (the borrower was allowed to shop but chose the service provider listed on the Settlement Service Provider List) - We are within the 10% Tolerance for these fee increases. Reviewer Comment (2018-11-23): PCCD provided. Fees increased in section B from final CD dated XXXXX to PCCD dated XXXXX. Missing evidence of cure for increase. Exception remains. 12/03/2018     1 A 09/20/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831870 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/XXXXX) Final CD did not reflect the Brokers NMLS ID #.   Reviewer Comment (2018-11-16): Letter of Explanation & Corrected Closing Disclosure was provided in the trailing docs reflects broker NMLS information. Condition has been cleared. Reviewer Comment (2018-11-15): PCCD was provided in the trailing docs however coverletter/letter of explanation to borrower was not found in file. Condition remains. 11/16/2018     1 A 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831870 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) Seller CD is missing from file.   Reviewer Comment (2018-11-23): Seller CD provided reflecting only seller paid fee as a credit for $XXXXX which is also reflected on the consumer CD. Exception cleared. 11/23/2018     1 A 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831871 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/XXXXX) Final CD does not reflect NMLS ID # for XXXXX   Reviewer Comment (2018-11-09): CD XXXXX was provided in the trailing docs reflecting broker NMLS information. Proof of electronic delivery to borrower was provided. Condition has been cleared. Seller Comment (2018-11-08): Corrected CD 11/09/2018     1 A 09/25/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
204831871 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Final CD reflects non-escrowed property taxes over year 1 as XXXXX. Calculated amount is XXXXXX (XXXXX/mo HOA fees, per appraisal).   Reviewer Comment (2018-10-31): Received verification of monthly HOA totaling $XXXXX per month. Seller Comment (2018-10-30): Per HOA cert fee is $XXXXX/quarter = $XXXXX/mo 10/31/2018     1 A 09/25/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
204831871 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Credit Missing Document General Missing Document: Desk Review not provided   XXXXX appraisal department desk review not evidenced in file. Guidelines require XXXXX desk review if XXXXX score is > XXXXX. Subject score is XXXXX.   Reviewer Comment (2018-11-09): Loan Deposit Desk Review XXXXX was provided in the trailing docs and states value is well supported by selected sales. Condition has been cleared. Seller Comment (2018-11-09): Appraisal Desk Review 11/09/2018     1 A 09/25/2018 TX Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
204831872 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Disclosure reflects Closing Date of (XXXXX), but transaction consummation (mortgage notary) date was (XXXXX).   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/13/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831872 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/XXXXX) The Final CD does not reflect the BrokersXXXXX.   Reviewer Comment (2018-10-31): Lender cured on PCCD dated XXXXX. Seller Comment (2018-10-30): LOE, TRACKING AND CD Reviewer Comment (2018-10-29): Need LOE and proof of delivery in addition to PCCD to clear. Thanks! Seller Comment (2018-10-29): updated CD   10/31/2018   2 B 09/13/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831872 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - XXXXX Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) The Final CD did not reflect the Lenders Contact Name or Contact XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/13/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831872 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) Seller paid fees on the Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD reflects XXXXX in seller paid closing costs, borrower's final CD reflects XXXXX in seller paid closing costs. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing changes made.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/13/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831872 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Evidence of borrowers receipt of appraisal after signing waiver was not provided in file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/13/2018 WA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831873 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Only one valuation and XXXXX in the file.   Reviewer Comment (2018-12-07): XXXXX elected to waive the exception. 12/07/2018     1 A 09/25/2018 CO Primary Purchase   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831873 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD dated XXXXX did not match consummation/notary date of XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831873 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller CD was not found in the loan file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831874 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinalXXXXX) The open water & sewer charges and the XXXXX escrow fee paid by the Seller were not listed on the borrower's Final CD.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/25/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A A A B A A A Safe Harbor QM Safe Harbor QM Yes
204831875 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Closing date in final CD is XXXXX, borrowers signed on XXXXX. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831875 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) Hazard policy reads the following XXXXX premium + XXXXX Fees = XXXXX. Final CD section G reads XXXXX, however section G hazard monthly is based only on premium amount of XXXXX / XXXXX = XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831875 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831876 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller's final CD contained fees not reflected on the consumer's CD: 1. Real Estate Commission Sellers Broker: XXXXX 2. XXXXX toXXXXX.: XXXXX 2. Overnight Fee/Wire Fee to XXXXX: XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/24/2018 NJ Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B A A A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831877 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The closing documents were dated XXXXX but the documents were not signed until XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831877 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on XXXXX, prior to three (3) business days from transaction date of XXXXX The final CD shows a disbursement date of XXXXX even though the documents were not signed until XXXXX.   Reviewer Comment (2018-11-06): PCCD XXXXX was provided in the trailing docs and reflects a disbursement date of XXXXX. Lender explanation was also provided regarding disbursement date of XXXXX. Condition has been cleared. Seller Comment (2018-11-05): I have provided the disclosure tracking showing the PCCD was delivered via email to the borrower. Also, attached is an LOE explaining the disbursement date Reviewer Comment (2018-11-05): PCCD was provided in the trailing docs however proof of delivery to borrower was not provided. Additionally, compliance report and closing instructions reflect a disbursement date of XXXXX. Condition remains. Seller Comment (2018-10-31): Here is the PCCD with the correct Closing and Disbursement Dates 11/06/2018     1 A 09/21/2018 CA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831877 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX)     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 CA Primary Refinance - Rate/Term   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Loan Package Documentation Loan File Missing Document: Hazard Insurance Policy not provided   Loan file contains property coverage confirmation however does not reflect Policy Period or Additional Insured.   Reviewer Comment (2018-11-06): Certificate of Insurance was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-05): Attached 11/06/2018     1 A 09/27/2018 CO Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   One appraisal required as long as XXXXXs Collateral Underwriter (CU) score is XXXXX or less score is XXXXX, therefore a XXXXX Department desk review is required   Reviewer Comment (2018-12-07): Provided 12/07/2018     1 A 09/27/2018 CO Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) There is nothing in the file to indicate when the appraisal was sent to the borrower.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 CO Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7200) Loan Discounts Points was not disclosed on the initial LE but on the final CD reads XXXXX. It appears the borrower was not notified of this additional fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-11-08): Valid changed circumstance XXXXX was provided in the trailing docs and reflects loan locked with discount points of $XXXXX. Condition has been cleared. Seller Comment (2018-11-05): Please see attached COC showing the borrower paid $XXXXX to buy down their rate. 11/08/2018     1 A 09/27/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Recording Fee was disclosed on the initial LE in the amount of XXXXX but on the final CD reads XXXXX so this fee was lowered at closing. Survey Fee was not disclosed on the initial LE but on the final CD reads XXXXX It appears the borrower was not notified of this additional fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-11-27): Received proof of valid COC. Reviewer Comment (2018-11-08): Survey Fee was listed on section H original LE but was listed in Section B instead of section H of CD which is subject to 10% tolerance. Condition remains. Seller Comment (2018-11-05): I am not sure what you need me to do in regards to the Recording fees decreasing at closing. However, in regards to the Survey Fee, the fee was actually disclosed from Initial LE to Final Closing Disclosure. I have attached all the disclosures for your review. 11/27/2018     1 A 09/27/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   Lender's initial application missing from file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 CO Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Credit Insurance Insurance Analysis Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.   Hazard Mortgage Clause Indicates Lender As Payee is missing   Reviewer Comment (2018-11-06): Certificate of Insurance was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-05): Attached 11/06/2018     1 A 09/27/2018 CO Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD reflects Closing Date as XXXXX and a disbursement date of XXXXX. However the security and the final CD show that the loan was signed XXXXX. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (FinalXXXXX) Broker NMLS ID not provided on Final CD.   Reviewer Comment (2018-11-08): PCCD XXXXX was provided in the trailing docs and reflects broker NMLS information. Condition has been cleared. Seller Comment (2018-11-05): Attached 11/08/2018     1 A 09/27/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX) Number of months for Homeowners Association Dues under Prepaids is blank. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831878 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Credit Insurance Insurance Documentation Hazard Insurance Error: Subject hazard insurance policy expiration date is missing from evidence of insurance.   Missing not reflected on policy.   Reviewer Comment (2018-11-06): Certificate of Insurance was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-05): Attached 11/06/2018     1 A 09/27/2018 CO Primary Purchase   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831879 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) The Seller CD and Buyer CD are not showing any Seller paid fees. Lender to verify this.   Reviewer Comment (2018-11-08): Lender exception comments from XXXXX confirm that seller was not responsible for any fees for title. Condition has been cleared. Seller Comment (2018-10-31): Correct, being a XXXXX transaction and no realtor's involved, the seller was not responsible for any fees from title, etc. 11/08/2018     1 A 09/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Safe Harbor QM Safe Harbor QM Yes
204831879 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-07): Provided 12/07/2018     1 A 09/27/2018 CA Primary Purchase   C A A A C A C A Safe Harbor QM Safe Harbor QM No
204831880 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   The loan file does not contain the Lender's Initial Loan Application.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 CA Primary Refinance - Rate/Term   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204831880 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The closing date disclosed on the Final Closing Disclosure is XXXXX; however, the consummation date was XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831880 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on XXXXX reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/XXXXX) The Final Closing Disclosure shows the Appraisal Fee and Credit Report Fee were paid to the Broker while the Flood Certificate Fee and Tax Service Fee were paid to the Lender.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 CA Primary Refinance - Rate/Term Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831880 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. The subject transaction is a same Lender refinance; however, the Right to Cancel was completed on the wrong form.   Reviewer Comment (2018-12-06): Signature not required. Rescission re-opened, evidence of delivery and rescission has now passed. Exception cured. Reviewer Comment (2018-11-28): RTC H-9 was provided in the trailing docs however form has not been signed/dated by borrower. Condition remains. Seller Comment (2018-11-27): RTC form   12/06/2018   2 B 09/24/2018 CA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831881 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-07): Provided 12/07/2018     1 A 09/24/2018 NJ Primary Refinance - Cash-out - Debt Consolidation   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831881 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided onXXXXX not accurate. (Final/XXXXX) The Final Closing Disclosure indicated the monthly hazard insurance to be an additional XXXXX than what was disclosed on the policy. The New Policy went into effect XXXXX Total Premium of XXXXX versus XXXXX   Reviewer Comment (2018-10-31): Lender cured on PCCD dated XXXXX.   10/31/2018   2 B 09/24/2018 NJ Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831881 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Post Close Closing Disclosure Total Of Payments Test Rescindable Transactions TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Total of Payments of XXXXX disclosed on the Final Closing Disclosure dated XXXXX is inaccurate by more than XXXXX compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of XXXXX provided on XXXXX, a difference of XXXXX. (Post-CloseXXXXX) TOP disclosed on the final CD inaccurate based on fees disclosed on the PCCD dated XXXXX resulting from increase in borrower paid loan costs reflected in Section D. Need LOE, copy of refund check, corrected CD reflecting refund, reopened rescission (on rescindable transactions), and proof of delivery within 60 days of discovery to cure.   Reviewer Comment (2018-11-08): Additional PCCD XXXXX was provided in the trailing docs and variance of total payments addressed on new condition for PCCD XXXXX. 11/08/2018     1 A 09/24/2018 NJ Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831881 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) The Final Closing Disclosure did not disclose a dollar amount by which total closing costs were exceeded.   Reviewer Comment (2018-11-13): Lender cured on the PCCD dated XXXXX by refunding the borrower $XXXXX. Received copy of the check, LOE, corrected CD, and proof of delivery. Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.   11/13/2018   2 B 09/24/2018 NJ Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831881 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. (7506) The loan file did not contain a cure in the amount of XXXXX for exceeding the tolerance for the Appraisal Fee. LE disclosed Fee of XXXXX   Reviewer Comment (2018-11-13): Lender cured on the PCCD dated XXXXX by refunding the borrower $XXXXX. Received copy of the check, LOE, corrected CD, and proof of delivery. Reviewer Comment (2018-11-12): Copy of cure check was provided in the trailing docs. Condition has been cleared. Reviewer Comment (2018-11-08): Condition re-opened. Cure check was not provided. Reviewer Comment (2018-11-08): Appraisal fee exceeds zero tolerance by $XXXXX. PCCD XXXXX along with proof of delivery to borrower was provided in the trailing docs and reflects a sufficient cure of $XXXXX. Condition has been cleared.   11/13/2018   2 B 09/24/2018 NJ Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831881 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan.xxxx The Final Closing Disclosure indicated the monthly hazard insurance to be an additional XXXXX than what was disclosed on the policy.   Reviewer Comment (2018-11-08): PCCD XXXXX was provided in trailing docs along with proof of delivery to borrower and reflects an accurate escrow amount of $XXXXX/month. Condition has been cleared. 11/08/2018     1 A 09/24/2018 NJ Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831881 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. Xxxx The Final Closing Disclosure indicated the monthly hazard insurance to be an additional XXXXX than what was disclosed on the policy causing an excessive total for the monthly payment amount. The New Policy went into effect XXXXX Total Premium of XXXXX versus XXXXX   Reviewer Comment (2018-11-08): PCCD XXXXX was provided in trailing docs along with proof of delivery to borrower and reflects an accurate escrow amount of $XXXXX/month. Condition has been cleared. 11/08/2018     1 A 09/24/2018 NJ Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831881 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Credit System General Insurance address does not match Note address.   Home Owners Insurance Reflects 1 instead of XXXXX for Numeric portion of address   Reviewer Comment (2018-11-07): Title commitment was provided in the trailing documents and reflects that property XXXXX is the same as XXXXX. Mortgage statement also reflects XXXXX. Condition has been cleared. 11/07/2018     1 A 09/24/2018 NJ Primary Refinance - Cash-out - Debt Consolidation   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831881 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 NJ Primary Refinance - Cash-out - Debt Consolidation   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831881 [Redacted] [Redacted] [Redacted] [Redacted] 11/08/2018 Compliance Compliance Federal Compliance TRID Post Close Closing Disclosure Total Of Payments Test Rescindable Transactions TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Total of Payments of XXXXX disclosed on the Final Closing Disclosure dated XXXXX is inaccurate by more than XXXXX compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of XXXXX provided on XXXXX, a difference of XXXXX. (Post-CloseXXXXX) Total of Payments variance is XXXXX. PCCD XXXXX was provided in the trailing docs and reflects a cure of XXXXX (XXXXXof which was to cure appraisal) leaving an insufficient cure of XXXXX. Additionally, copy of cure check was not provided. Condition remains.   Reviewer Comment (2018-11-13): Lender cured on the PCCD dated XXXXX by refunding the borrower $XXXXX. Received copy of the check, LOE, corrected CD, and proof of delivery.   11/13/2018   2 B 09/24/2018 NJ Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831882 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. The file did not contain a copy of the list of homeownership counseling organizations.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 FL Second Home Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831882 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Per the verified taxes, HOI and HOA the total monthly payments are XXXXX for an annual estimated cost of XXXXX whereas the final CD to the buyer lists the month estimate as XXXXX and an annual cost ofXXXXX   Reviewer Comment (2018-11-13): Tax cert in file from title corresponds to lender used amount for tax figures. Purchase contract addendum reflects $XXXXX/quarterly or XXXXX per month. Estimated amount is accurately disclosed. Exception cleared. Seller Comment (2018-11-12): Please have your supervisor email me. I'm tired of arguing with you guys on how property taxes are estimated on Purchase Transactions!. It will never be exact, so not sure what you want us to provide to you. XXXXX Reviewer Comment (2018-11-08): Millage rate for XXXXX is XXXXX which reflects $XXXXX. However tax rate used in calculation was XXXXX% (XXXXX mill). No evidence to support mill rate of XXXXX was provided in file. Seller Comment (2018-11-05): See attached. The taxes are estimated...breakdown from County attached. Reviewer Comment (2018-10-29): Need verification of county tax rate to validate amount used. Seller Comment (2018-10-29): The processor used the current county property tax rate to provide the annual estimated property cost of $XXXXX - see attached exception doc 11/13/2018     1 A 09/21/2018 FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831882 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Page 3 of the final closing disclosure reflects the total closing costs exceed legal limit by XXXXX   Reviewer Comment (2018-10-29): Received proof of valid COC. 10/29/2018     1 A 09/21/2018 FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831882 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. A copy of the Home loan toolkit was not found within the file   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 FL Second Home Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831882 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) The Borrowers' and Seller received separate closing disclosures.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/21/2018 FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831882 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. (7506) A cure of XXXXXwas provided for appraisal increase.   Reviewer Comment (2018-10-23): A cure of $XXXXX was provided for appraisal increase at closing.   10/23/2018   2 B 09/21/2018 FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831882 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (75174) Cure not provided for survey fee.   Reviewer Comment (2018-10-29): Received proof of valid COC. 10/29/2018     1 A 09/21/2018 FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831882 [Redacted] [Redacted] [Redacted] [Redacted] 10/29/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Sufficient or excess cure was provided to the borrower at Closing. (7506) Cure provided at closing       10/29/2018   1 A 09/21/2018 FL Second Home Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831883 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-07): provided 12/07/2018     1 A 09/24/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831883 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. The disclosure was not signed.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/24/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831883 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. (7506) The Final CD issued XXXXX disclosed an increase in the Appraisal Fee. There was no evidence the Lender provided a cure for the XXXXX excess paid.   Reviewer Comment (2018-11-07): PCCD XXXXX was provided in the trailing docs along with proof of delivery to borrower and copy of check for $XXXXX. Condition has been cleared. Seller Comment (2018-11-01): copy of PCOC refund check LOE fedx 11/07/2018     1 A 09/24/2018 CA Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831883 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) The Final CD issued XXXXX disclosed an increase in the Appraisal Fee, however the Total Closing Costs exceeded the legal limits did not reflect the XXXXX excess paid.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/24/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831884 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/13/2018 CA Primary Refinance - Cash-out - Other   C B A B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831884 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. No apparent signature   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/13/2018 CA Primary Refinance - Cash-out - Other   C B A B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831884 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) The total closing costs exceeded the legal limit by XXXXX   Reviewer Comment (2018-10-30): Received valid proof of COC. Issue cleared. 10/30/2018     1 A 09/13/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831884 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount ofXXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) The cost of cure of the Ten Percent fee of XXXXX exceeding the tolerance of XXXXX was not provided to the borrower.   Reviewer Comment (2018-10-30): Received valid proof of COC. Issue cleared. Seller Comment (2018-10-30): copy of COC 10/30/2018     1 A 09/13/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831884 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXXexceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7506) The cost of cure of the Appraisal fee of XXXXX exceeding the tolerance of XXXXX was not provided to the borrower.   Reviewer Comment (2018-10-30): Received valid proof of COC. Issue cleared. Seller Comment (2018-10-30): copy of COC 10/30/2018     1 A 09/13/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831884 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance 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 XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7580) The cost of cure of the Tax Service fee of XXXXX exceeding the tolerance of XXXXX was not provided to the borrower.   Reviewer Comment (2018-10-30): Received valid proof of COC. Issue cleared. Seller Comment (2018-10-30): Rebuttal this condition : the Tax Service Fee was disclosed from the beginning in the full disclosure packaged dated XXXXX Seller Comment (2018-10-30): Rebuttal this condition : the Tax Service Fee was disclosed from the beginning in the full disclosure packaged dated XXXXX. 10/30/2018     1 A 09/13/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831884 [Redacted] [Redacted] [Redacted] [Redacted] 11/16/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-11-29): Client elects to waive. Reviewer Comment (2018-11-16): Property Inspection received dated XXXXX reflecting no damage, however no end date has been declared. Exception remains.     11/29/2018 2 B 09/13/2018 CA Primary Refinance - Cash-out - Other   C B A B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831885 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-11-12): Desk review provided. Exception cleared. 11/12/2018     1 A 09/21/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831885 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date: ___ HOI Declaration page reflects effective date of XXXXX. Final CD reflects a Disbursement Date of XXXXX   Reviewer Comment (2018-10-29): Policy was in effect prior to disbursement on XXXXX. Seller Comment (2018-10-29): for state of XXXXX - as long as the effective date of the insurance is by disbursement date of the loan, it is ok. 10/29/2018     1 A 09/21/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831885 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXX) Notary date on Security Instrument is XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204831885 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) Cure for Appraisal Fee was not provided       10/19/2018   1 A 09/21/2018 CA Primary Purchase Final CD evidences Cure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204831885 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitialXXXXX) Earliest CD has an issue date of XXXXX. Loan consummation date per Security Instrument is reflected as XXXXX   Reviewer Comment (2018-10-30): Received proof of delivery and receipt on XXXXX. Seller Comment (2018-10-29): initial CD sent & esigned on XXXXX for XXXXX closing, 3 business timing days met. Borrower's executed XXXXX 10/30/2018     1 A 09/21/2018 CA Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831885 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desk Review is inconclusive.   Reviewer Comment (2018-11-23): Field Review provided with value of $XXXXX, a 0% variance. Exception cleared. 11/23/2018     1 A 09/21/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831886 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-11-12): Desk Review provided. Exception cleared. 11/12/2018     1 A 09/06/2018 CA Primary Purchase   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831886 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The Final CD issued on XXXXX reflected a Closing Date of XXXXX instead of the actual date of consummation XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831886 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller CD was not evidenced in loan file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831886 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) Zero Percent Fee of Transfer Tax was exceeded by XXXXX. The cure of XXXXX provided on the final CD is sufficient.       10/19/2018   1 A 09/06/2018 CA Primary Purchase Final CD evidences Cure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831886 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desk Review is inconclusive.   Reviewer Comment (2018-11-23): Field Review provided with value of $XXXXX, a 0% variance. Exception cleared. 11/23/2018     1 A 09/06/2018 CA Primary Purchase   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831887 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX XXXXX; Perform and document a verbal verification of employment no more than 10 business days prior to the note date; documentation for Borrower not provided in file.   Reviewer Comment (2018-11-09): VVOE XXXXX was provided in the trailing docs. Condition has been cleared. 11/09/2018     1 A 09/25/2018 CA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831887 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Disclosure reflects closing date as XXXXX; mortgage notary date is XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831887 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/XXXXX) Disclosure does not reflect Lender Contact NMLS ID.   Reviewer Comment (2018-11-15): Letter of Explanation & Corrected Closing Disclosure XXXXX was provided in the trailing docs reflecting broker NMLS information. Condition has been cleared. Reviewer Comment (2018-11-13): PCCD XXXXX was provided in the trailing dos however it does not reflect NMLS # for broker. Condition remains. Reviewer Comment (2018-11-09): Broker NMLS located on security instrument and NMLS site was not provided on page 5 of CD. Condition remains. 11/15/2018     1 A 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831887 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on 09/26/2018 not accurate. (Final/XXXXX) Disclosure reflects XXXXX (XXXXX/month); calculated per appraisal is XXXXX (XXXXX/month).   Reviewer Comment (2018-11-13): Letter of explanation and PCCD XXXXX was provided in the trailing docs reflecting $XXXXX. Condition has been cleared. 11/13/2018     1 A 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831887 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) Transfer Tax disclosed as XXXXX on the LE dated XXXXX; but disclosed as XXXXX on the Final Closing Disclosure. Cure was provided.       10/23/2018   1 A 09/25/2018 CA Primary Purchase Final CD evidences Cure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831888 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Fee increased without explanation   Reviewer Comment (2018-11-07): PCCD XXXXX was provided in the trailing docs reflecting a tolerance cure of $37.70. Condition has been cleared Seller Comment (2018-10-31): Please review the attached LE/COC/CD and provide a break down of the out of tolerance fees as well as the total to cure for this loan 11/07/2018     1 A 09/26/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831888 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7200) Fee added without explanation   Reviewer Comment (2018-11-07): Upon further review, LE XXXXX reflects loan was locked with $XXXXX in discount points which is a valid changed circumstance. Condition has been cleared. Seller Comment (2018-10-31): Please review the attached LE/COC/CD and provide a break down of the out of tolerance fees as well as the total to cure for this loan 11/07/2018     1 A 09/26/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831888 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. (8304) Fee increased without explanation   Reviewer Comment (2018-11-07): PCCD XXXXX was provided in the trailing docs reflecting a tolerance cure of $XXXXX. Condition has been cleared Seller Comment (2018-11-06): Please review the attached LE/COC/CD and provide a break down of the out of tolerance fees as well as the total to cure for this loan 11/07/2018     1 A 09/26/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831888 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The document is dated XXXXX when is actually closed XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831888 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) CD states XXXXX which is not enough to cover overage.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831888 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) Appraisal dated after email in file shows sent to borrower via email. Email states value is XXXXX.00 but appraisal states value was XXXXXreduced to XXXXX because solar panels are leased.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831888 [Redacted] [Redacted] [Redacted] [Redacted] 11/07/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (0) PCCD XXXXX was provided in the trailing docs reflecting a tolerance cure of XXXXX. Sufficient cure was provided       11/07/2018   1 A 09/26/2018 CA Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831888 [Redacted] [Redacted] [Redacted] [Redacted] 11/07/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) PCCD 10/11/18 was provided in the trailing docs reflecting a tolerance cure of $37.70. Sufficient cure was provided.       11/07/2018   1 A 09/26/2018 CA Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831888 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desk Review is inconclusive.   Reviewer Comment (2018-11-23): Field Review provided with value of $XXXXX a -0.60% variance. Exception cleared. 11/23/2018     1 A 09/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering compliance/Safe Harbor Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 WA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 WA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 WA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The Note reflects a consummation date of XXXXX whereas the final closing disclosure was issued XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXXdisclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) The Final CD disclosed a Finance Charge of XXXXX and the actual Finance Charge is XXXXX. The Rate Lock Fee of XXXXX was not included in the Disclosed Finance Charge.   Reviewer Comment (2018-12-03): Finance charge overage is rate lock amount that was re-reimbursed. Exception cleared. 12/03/2018     1 A 09/11/2018 WA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) The final closing disclosure did not list the contact person for the Lender.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) The Total Closing Costs Exceeded the Legal Limit figure was not provided on the final CD.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. The file did not contain a copy of the home loan toolkit   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 WA Primary Purchase No Defined Cure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. (9300) A Valid Change Circumstance was not evident in the file for change of Final Lender Credit from XXXXX to XXXXX.   Reviewer Comment (2018-11-07): Valid changed circumstance was provided in the file reflecting loan was re-locked and LE re-disclosed XXXXX with change in rate which affected the lender credit. Condition has been cleared. 11/07/2018     1 A 09/11/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX, Borrower: XXXXX Verbal Verification's of Employment for each borrower was not provided in the loan file.   Reviewer Comment (2018-11-05): The work number reflecting income history and start date were provided for both borrowers in the trailing docs. Condition has been cleared. 11/05/2018     1 A 09/11/2018 WA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) Evidence in file shows the appraisal was provided to and received by the mortgagor on XXXXX. The appraisal report date is XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 WA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Evidence of the borrower being provided a FACTA disclosure is not in the loan file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 WA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831889 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (XXXXX) does not match Due Diligence Loan Designation of Safe Harbor QM. Calculated DTI XXXXX exceed XXXXX XXXXX Mortgage payment for borrower's departure residence included in DTI calculation since proof was not located in file that property was sold. Provide updated AUS or proof that departure residence was sold.   Reviewer Comment (2018-11-27): Received settlement statement for sale of departing residence. Reviewer Comment (2018-11-13): Calculated DTI XXXXX% exceed AUS XXXXX%. Mortgage payment for borrower's departure residence included in DTI calculation since proof was not located in file that property was sold. Provide updated AUS or proof that departure residence was sold. 11/27/2018     1 A 09/11/2018 WA Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831890 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   The loan file does not contain the lender's initial loan application.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831890 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. The Rate Lock Agreement is missing from the loan file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831890 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/XXXXX) The broker's NMLS ID is missing on the borrower's final CD.   Reviewer Comment (2018-11-14): Letter of Explanation & Corrected Closing Disclosure XXXXX reflecting broker NMLS information was provided in the trailing docs. Condition has been cleared. 11/14/2018     1 A 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831890 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) The Seller's CD is missing from the file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831891 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   The XXXXXl Underwriter Score is XXXXX, a second review is required.   Reviewer Comment (2018-12-07): provided 12/07/2018     1 A 09/24/2018 WA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831891 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1   The Final Closing Disclosure reflects the Escrowed Property Costs over Year 1 as XXXXX. Monthly Escrows are XXXXX.   Reviewer Comment (2018-10-30): Received verification of monthly XXXXX amount of XXXXX. Issue cleared. Seller Comment (2018-10-29): Hi, We are not sure where the discrepancy lies with the escrow. Our signed CD matches our IED, and our tax sheet. Can you please advise where the issue is? We can send the final settlement statement from title if you need to see the figures we used. Thank you, 10/30/2018     1 A 09/24/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831891 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment   The Final Closing Disclosure reflects an escrow payment of XXXXX.   Reviewer Comment (2018-10-30): Received verification of monthly XXXXX amount of XXXXX. Issue cleared. 10/30/2018     1 A 09/24/2018 WA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831891 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate   The Estimated Total Monthly Payment reflected on the Final Closing Disclosure is XXXXX Escrow however the total escrows verified areXXXXX which isXXXXX HOI and XXXXX taxes. The file is missing evidence of the lower taxes per the CD of XXXXX   Reviewer Comment (2018-10-30): Received verification of monthly XXXXX amount of XXXXX. Issue cleared. 10/30/2018     1 A 09/24/2018 WA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831891 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits   The Final Closing Disclosure does not indicate the amount exceeding the legal limit.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831891 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure   Seller Paid Fees are captured from the Final Closing Disclosure and from the Seller Closing Disclosure.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/24/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831891 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance Self Employed Financial Strength       Reviewer Comment (2018-11-09): Lender exception comments reflect income was removed from qualifying. DTI XXXXX%. Condition has been cleared. Reviewer Comment (2018-10-30): Client to Review 11/09/2018     1 A 09/24/2018 WA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831891 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM   The P&L lists a decline in income but a higher income was used to qualify.   Reviewer Comment (2018-11-09): Lender exception comments reflect income was removed from qualifying. DTI XXXXX%. Condition has been cleared. Seller Comment (2018-11-09): From our UW: I went back in the file and looked over some numbers. I think if we just eliminate this income source all together, the borrower's DTI is still in line. Even if we use my income from XXXXX, the investors calculation for 2018 P/L, or no income at all, the DTI would still be under XXXXX%. Just using the borrower's base at $XXXXX/mo divided by total debts of $XXXXX/mo would put us at XXXXX%. We can go this route and eliminate the need for additional documentation or comments. Plus, the file would be solid as the borrower qualifies on base income alone and theXXXXX, regardless of the income figure, would be a strong compensating factor for the investor. Let me know if this will be fine or if we will still need to address. Reviewer Comment (2018-11-05): 2018 net income through XXXXX is $XXXXX X 50% = $XXXXX. YTD (XXXXX) average income is $XXXXX, 2017 average is $XXXXX. Decline of XXXXX% from XXXXX to XXXXX. Condition remains 11/09/2018     1 A 09/24/2018 WA Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831892 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The loan documents were dated XXXXX but signed on XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831892 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Owners premium differed - XXXXX higher on the Seller's CD.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831893 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Borrowers e-signed an appraisal delivery timing waiver dated XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831893 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) Fees were taken from CD and manual calculation is same. Policy states policy cost is XXXXX and CD states policy cost is XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831893 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXXX) Section is incomplete   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831893 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitialXXXXX) There is no evidence the borrower did receive a copy of the appraisal   Reviewer Comment (2018-11-28): XXXXX received evidence of earlier receipt. Reviewer Comment (2018-11-27): The exception is referencing proof of delivery for initial CD and not appraisal. Comment regarding appraisal is incorrect. Seller Comment (2018-11-27): Can you please advise on this? Seller Comment (2018-11-19): Can this condition be waived since the ECOA Appraisal Provided Before Completion was also waived Reviewer Comment (2018-11-09): Revised appraisal was completed XXXXX and proof of delivery of appraisal was not provided. Seller Comment (2018-11-02): Attached. 11/28/2018     1 A 09/20/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831893 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (77201) Warehouse/Archive fee was not found on initial LE.   Reviewer Comment (2018-11-27): Lender cured on the PCCD dated XXXXX by refunding the borrower $XXXXX. Received copy of the check, LOE, corrected CD, and proof of delivery. Seller Comment (2018-11-19): Attached   11/27/2018   2 B 09/20/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831893 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXXX) The CB income has not been verified to support a two year history. The prior employment with XXXXX was only from XXXXX to XXXXX. The file is missing verification of employment dates and title prior to XXXXX for the CB   Reviewer Comment (2018-11-26): Received updated VVOE with previous employment. 11/26/2018     1 A 09/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831893 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of XXXXXdoes not match Due Diligence Loan Designation of Non QM. The CB income has not been verified to support a two year history. The prior employment with XXXXX was only from XXXXX to XXXXX. The file is missing verification of employment dates and title prior to XXXXX for the CB   Reviewer Comment (2018-11-26): Received updated VVOE with previous employment. 11/26/2018     1 A 09/20/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831893 [Redacted] [Redacted] [Redacted] [Redacted] 11/09/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) Revised appraisal was completed XXXXX and proof of delivery of appraisal was not provided.   Reviewer Comment (2018-11-28): Client elects to waive. XXXXX status remains. Reviewer Comment (2018-11-28): re-opened due to new comment. Seller Comment (2018-11-19): Can this Condition be Waived since the ECOA Appraisal Provided Before Completion condition was also waived Reviewer Comment (2018-11-17): Client elects to waive.     11/28/2018 2 B 09/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831893 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least XXXXX.   Appraised value is XXXXX while Desk Review value isXXXXX. a variance of XXXXX   Reviewer Comment (2018-11-28): Field Review provided with a value of $XXXXX, a +1.33% variance. Exception cleared 11/28/2018     1 A 09/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831894 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and there is no evidence that the appraisal was provided at or before closing.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 WA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831894 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7506) Zero Percent Fee Tolerance exceeded for Appraisal Fee Amount of XXXXX exceeds tolerance of XXXXX. No cure or valid Change of Circumstance was provided to the borrower.   Reviewer Comment (2018-10-26): Cure of $200 provided at close.   10/26/2018   2 B 09/25/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831894 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) Current Property Taxes Due Fee of XXXXX was shown on the final CD for the seller but not shown on the seller's CD.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/25/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831894 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Property - Appraisal Appraisal Adjustments Excessive site value noted on appraisal without appraiser comments to justify Valuation Type: Appraisal / Valuation Report Date: XXXXX     Reviewer Comment (2018-11-09): Upon further review, appraiser comments reflect estimated site value was based on results of comparable properties in the area. Condition has been cleared. Seller Comment (2018-11-09): Your last comment states this condition has been cleared, but it still shows as "Open". Reviewer Comment (2018-11-07): Upon further review, appraiser comments reflect estimated site value was based on results of comparable properties in the area. Condition has been cleared. Seller Comment (2018-11-06): This is not an XXXXX guideline on the site value, loans should be underwritten to XXXXX guidelines. Please advise. Reviewer Comment (2018-11-05): Site value exceeds 30% of the value and appraiser did not provide any comments stating this is typical for the area and has no affect on marketability. Seller Comment (2018-11-01): On the appraisal Page 3, the appraiser did comment on the site value with this statement "The subject property's estimated site value is based on results from the abstraction method performed on recent comparable small lake waterfront property sales from the area." Is this not acceptable? 11/09/2018     1 A 09/25/2018 WA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831896 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Document was not provided in the required time frame.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 WA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831896 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided onXXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) The CD does not contain a Lender contact, or a contact NMLS ID.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831896 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Legal limit has been exceeded for total closing costs.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831896 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Ten percent fee tolerance was exceeded and borrower was not notified.   Reviewer Comment (2018-11-08): PCCD XXXXX reflects $XXXXX subject to 10% tolerance. $XXXXX disclosed. Proof of electronic delivery to borrower provided. Condition has been cleared. Seller Comment (2018-10-31): Please review the attached LE/COC/CD and provide a break down of the out of tolerance fees as well as the total to cure for this loan. 11/08/2018     1 A 09/25/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831896 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) Utility fee is listed on the Seller's CD that is not shown on the final CD for the seller.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/25/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831897 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/17/2018 CA Primary Refinance - Cash-out - Other   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831897 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Other 1 Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Past Due Property Taxes under Prepaids. (Final/XXXXX) The Final Closing Disclosure provided XXXXX did not provide the number of months for Past Due Property Taxes collected in Section "F" PrePaids.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/17/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831897 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Credit Assets Asset Calculation / Analysis Available for Closing is insufficient to cover Cash From Borrower.   Lender did not obtain evidence of receipt of Gift Funds (XXXXX).   Reviewer Comment (2018-11-05): Closing statement XXXXX executed by the borrower reflects balance due from borrower in the amount of $XXXXX an updated PCCD XXXXX reflects a balance due of $XXXXX. Gift amount of $XXXXX wired to title company was documented. Condition has been cleared. Reviewer Comment (2018-10-31): Received verification of gift funds totaling $XXXXX, however asset shortage of $3k remains 11/05/2018     1 A 09/17/2018 CA Primary Refinance - Cash-out - Other   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831897 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-07): provided 12/07/2018     1 A 09/17/2018 CA Primary Refinance - Cash-out - Other   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831898 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Credit Insurance Insurance Analysis Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Insurance Policy Expiration Date XXXXX, Note Date XXXXX   Reviewer Comment (2018-11-05): Updated evidence of insurance was provided in the trailing docs reflecting policy period from XXXXX with increased dwelling coverage $XXXXX and 50% extended coverage. Condition has been cleared. 11/05/2018     1 A 09/14/2018 CA Second Home Refinance - Cash-out - Other   C A B A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831898 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) XXXXX tolerance recording fee increase by XXXXX without a valid change of circumstance provided. It states borrower requested change without further explanation. Unable to determine if change of circumstance provided (XXXXX) is valid with documentation provided. No cure was provided on the final CD or post closing CD.   Reviewer Comment (2018-10-31): Received proof of valid COC. 10/31/2018     1 A 09/14/2018 CA Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A B A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831898 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) XXXXX tolerance recording fee increase by XXXXX without a valid change of circumstance provided. It states borrower requested change without further explanation. Unable to determine if change of circumstance provided (XXXXX) is valid with documentation provided. No cure was provided on the final CD or post closing CD.   Reviewer Comment (2018-10-31): Received proof of valid COC. 10/31/2018     1 A 09/14/2018 CA Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A B A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831899 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. The signature is missing on firm.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831899 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXX Sufficient or excess cure was provided to the borrower at Closing. (7506)     Reviewer Comment (2018-11-08): Changed circumstance was provided in the trailing docs however a valid change was not identified. Condition remains.   10/18/2018   1 A 09/25/2018 TX Primary Refinance - Cash-out - Other Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831899 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of XXXXXexceeds tolerance of XXXXX Sufficient or excess cure was provided to the borrower at Closing. (7552)         10/18/2018   1 A 09/25/2018 TX Primary Refinance - Cash-out - Other Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831899 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Environmental Inspection Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7705)         10/18/2018   1 A 09/25/2018 TX Primary Refinance - Cash-out - Other Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831899 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX)     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831899 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX CD does not reflect costs exceeding legal limit.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831899 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7506) No cure provided for appraisal fee exceeding legal limit.   Reviewer Comment (2018-11-13): Valid changed circumstance XXXXX was provided in the trailing docs for increase of appraisal fee to $XXXXX due to information obtained after last LE. Condition has been cleared. Seller Comment (2018-11-12): Fee increased to $XXXXX due to extensive research required on high end property in a unique area per the Appraiser as stated on the COC Reviewer Comment (2018-11-08): Changed circumstance was provided in the trailing docs however a valid change was not identified. Condition remains. 11/13/2018     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831899 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7552) No cure provided for fee exceeding legal limit.   Reviewer Comment (2018-11-07): Appraisal was completed subject to. Valid changed circumstance XXXXX was provided in the trailing docs for addition of re-inspection fee. Condition has been cleared. 11/07/2018     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831900 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003       Reviewer Comment (2018-11-09): Final 1003 executed by the borrower and LO was provided in the trailing docs. Condition has been cleared. 11/09/2018     1 A 09/24/2018 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831900 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Missing evidence the Borrower received a copy of the appraisal prior to close.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831900 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Disclosure is missing.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831900 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The Final CD issued XXXXX disclosed a Closing Date of XXXXX instead of the actual date of consummation XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/24/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831900 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: XXXXX / End Date: XXXXX // Account Type: Checking / Account Number: XXXX File is missing an additional month statement for the XXXXX XXXXX account as required by XXXXX. Additionally, missing the settlement statement for the sale or the departure residence as required.   Reviewer Comment (2018-11-06): Updated XXXXX approve/eligible XXXXX was provided in the trailing docs. XXXXXdoes not reflect use of assets from XXXXX account. Condition has been cleared. Seller Comment (2018-11-02): Updated XXXXX was uploaded XXXXX, please review Reviewer Comment (2018-10-30): Received settlement statement for departure residence, however still missing 2 month's statement for Discover account. 11/06/2018     1 A 09/24/2018 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831901 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) The non-escrowed insurance is XXXXX , the CD reflects XXXXX   Reviewer Comment (2018-11-13): Master policy was also provided and reflects walls in coverage, betterments and improvements. Condition has been cleared. Reviewer Comment (2018-11-13): Letter of Explanation & Corrected Closing Disclosure XXXXX was provided in the trailing docs. Condition has been cleared Reviewer Comment (2018-11-12): Upon further review, XXXXX reflects $XXXXX/month for hazard insurance however page 1 of CD does not reflect any homeowner's insurance. Either provide proof that master policy includes walls in coverage and borrower has no additional H06 policy or provide H06 policy, corrected PCCD reflecting hazard insurance and updated escrowed costs over year 1. Seller Comment (2018-11-12): proof of delivery of a CD is only required when a check is being issued. I submitted a label last week showing the delivery of the check. This CD is being sent regular mail since the check has already been sent and received by the borrower. Please clear. Reviewer Comment (2018-11-09): PCCD XXXXX was provided in the trailing docs along with cover letter however proof of delivery to borrower was not provided. Condition remains. Reviewer Comment (2018-11-07): Non-Escrowed property costs, Homeowners association dues reflected on appraisal is $XXXXX/month or $XXXXX/year. PCCD reflects $XXXXX. Condition remains. 11/13/2018     1 A 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831901 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) The Transfer Tax exceeded the legal limit.by XXXXX (XXXXX - XXXXX = XXXXX), the CD reflects a cure of XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831901 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (XXXXX) does not match Due Diligence Loan Designation of ATR Risk. Loan Originator Designation is updated as per Job Notes (XXXXX)   Reviewer Comment (2018-11-05): Lender federal rate and points and fees worksheet was provided in the trailing docs reflecting an undiscounted rate of XXXXX%. Rate of XXXXX% included bona-fide discount points XXXXX%. Condition has been cleared. 11/05/2018     1 A 09/26/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831901 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXXXX is in excess of the allowable maximum of XXXXX of the Federal Total Loan Amount. Points and Fees total XXXXX on a Federal Total Loan Amount of XXXXX vs. an allowable total of XXXXX (an overage of XXXXX or XXXXX). The points and fees exceed the allowable amount.   Reviewer Comment (2018-11-05): Lender federal rate and points and fees worksheet was provided in the trailing docs reflecting an undiscounted rate of XXXXX%. Rate of XXXXX% included bona-fide discount points XXXXX%. Condition has been cleared. 11/05/2018     1 A 09/26/2018 CA Primary Purchase If a creditor or assignee determines after consummation that the total points and fees exceeds the 3% limit, but the loan meets the other requirements to be a QM, the excess amount can be refunded, including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) The refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments). The lender will also be required to provide a copy of the refund check and proof of delivery. C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831901 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Credit Employment Miscellaneous The verification of employment was not obtained within 10 days of the note date.   A verbal verification of employment within 10 days of the Note date was not found in the loan file for the XXXXX   Reviewer Comment (2018-11-06): WVOE XXXXXfor co-borrower was provided in the trailing docs verifying YTD income through XXXXX. Condition has been cleared. 11/06/2018     1 A 09/26/2018 CA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831901 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXXexceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower. (8304)     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831901 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desk Review is inconclusive.   Reviewer Comment (2018-11-23): Field Review provided with value of $XXXXX, a 0% variance. Exception cleared. 11/23/2018     1 A 09/26/2018 CA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831902 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The Final CD issued XXXXX reflected a Closing Date of XXXXX instead of the actual date of consummation XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831902 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/XXXXX) The Mortgage Broker Company NMLS ID was not provided on the Final CD as required.   Reviewer Comment (2018-11-07): PCCD XXXXX was provided in the trailing docs and reflects broker XXXXX information. Proof of electronic delivery to borrower was also provided. Condition has been cleared. Reviewer Comment (2018-10-30): In addition to PCCD, need LOE describing change and proof of delivery to Borrower to cure. Thanks! 11/07/2018     1 A 09/26/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831902 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (FinalXXXXX) The Final CD issued XXXXX disclosed Finance Charge of XXXXX instead of the actual calculated Finance Charge of XXXXX, the difference being the addition of a Rate Lock Fee in the amount of XXXXX.   Reviewer Comment (2018-10-30): Rate Lock fee of $XXXXX was refunded to the Borrower at closing and reflected on page 3 under Other Credits. Fees are within tolerance. Issue cleared. Seller Comment (2018-10-29): Our final CD from closing shows the correct finance charge on page 5 of $XXXXX. I have attached it here. 10/30/2018     1 A 09/26/2018 WA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831902 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXX) The Final CD issued XXXXX disclosed the addition of Transfer Taxes and Rate Lock Fee, however the Total Closing Costs exceeded the legal limits did not reflect the XXXXXexcess paid.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831902 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of XXXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. (7335) The Final CD issued XXXXX disclosed the addition of Rate Lock Fee in the amount of XXXXX. An invalid change of circumstance was provided, stating the change was related to Acts of God, War, Disaster or Other Emergencies that further information was not provided. No cure was provided.   Reviewer Comment (2018-11-13): Upon further review, $XXXXX Rate Lock Fee was credited back to borrower on page 3 of Final CD in the same amount. Fee not actually charged/paid by borrower therefore tolerance not exceeded. Condition has been cleared. Seller Comment (2018-11-12): We show that lock fee as being credited back and condition should be waived. Thank you. Seller Comment (2018-11-12): hi, How can buyer address if condition is to be waived? Can you please advise what you mean? Thank you, Reviewer Comment (2018-11-12): No valid changed circumstance was provided or identified from CD XXXXX to CD XXXXX for addition of rate lock fee $XXXXX However, same amount was credited back to borrower on page 3 of Final CD. Although there was no valid changed circumstance or cure, fee was not actually charged/paid by borrower. Buyer to address if condition is to be waived. 11/13/2018     1 A 09/26/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831903 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) The Finance Charge disclosed on the Final Closing Disclosure is understated by XXXXX (the Borrower paid rate lock fee).   Reviewer Comment (2018-11-06): Final CD reflects rate lock fee of $XXXXX however this fee was credited back to borrower as evidenced on page 3 of CD for the same amount therefore it was not included in finance charge calculation. Condition has been cleared. Seller Comment (2018-11-02): The Rate Lock Fee was refunded to the borrower on page 3 of the final closing disclosure. Therefore it wasn't included in the Finance Charge 11/06/2018     1 A 09/26/2018 WA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831903 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) The Lender did not provide a cure for the amount that the actual fees exceeded the legal limit of XXXXX   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/26/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831903 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXX plus XXXXXor XXXXX. Insufficient or no cure was provided to the borrower. (0) The 10% tolerance was exceeded due to the XXXXX increase in the closing fee and XXXXX increase in the recording fee.   Reviewer Comment (2018-11-09): Closing statement was provided in the trailing docs along with PCCD reflecting $XXXXX subject to 10% tolerance and is within 10% tolerance $XXXXX originally disclosed. Condition has been cleared. Reviewer Comment (2018-11-06): PCCD XXXXX was provided in the trailing docs along with lender explanation however closing statement was not provided to confirm fee amounts. Condition remains. 11/09/2018     1 A 09/26/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831904 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. The loan application is dated XXXXX as well as the purchase agreement. The file is missing evidence of an initial LE dated within 3 days of the application or the lender source of application date.   Reviewer Comment (2018-10-29): Received initial LE dated XXXXX 10/29/2018     1 A 10/01/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831904 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Missing evidence disclosure was provided on or before XXXXX   Reviewer Comment (2018-10-29): Received initial LE dated XXXXX 10/29/2018     1 A 10/01/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831904 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 10/01/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831904 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Note date XXXXX, consummation date XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 10/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831904 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Field is blank, fees exceed legal limits by XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 10/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831904 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. (9300) Missing evidence of valid change circumstance and/or evidence of sufficient cure provided to the borrower in the amount of XXXXX   Reviewer Comment (2018-10-29): Received initial LE dated XXXXX 10/29/2018     1 A 10/01/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831904 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitialXXXXX) The loan application is dated XXXXX as well as the purchase agreement. The file is missing evidence of an initial LE dated within 3 days of the application or the lender source of application date.   Reviewer Comment (2018-10-29): Received initial LE dated XXXXX 10/29/2018     1 A 10/01/2018 CA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831904 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) Seller's CD XXXXX Consumer's CD XXXXX XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 10/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831904 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Missing evidence of disclosure was provided.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 10/01/2018 CA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831904 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Missing evidence disclosure was provided on or before XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 10/01/2018 CA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831904 [Redacted] [Redacted] [Redacted] [Redacted] 10/29/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Cure not provided at closing   Reviewer Comment (2018-11-14): Settlement service providers list was provided in the trailing docs and reflects shoppable providers. Condition has been cleared. Reviewer Comment (2018-11-12): File is missing the SSPL. Review utilized worst case scenario as unable to determine if borrower chose provider on SSPL. Provide SSPL for review. Exception remains. Seller Comment (2018-11-06): Borrower shopped for the providers, 10% Tolerance does not apply 11/14/2018     1 A 10/01/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831905 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXX) The Final CD issued 1XXXXX reflected a Closing Date of XXXXX instead of the actual date of consummation of XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/28/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831905 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) The Final CD issued XXXXX did not reflect the Lender's contact name or NMLS ID as required.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/28/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831905 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 10/01/2018 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (FinalXXXXX) The Final CD issued XXXXX did not reflect any fees paid by the Seller. Additionally, the loan file is missing the Seller CD.   Reviewer Comment (2018-10-30): Received seller's cd reflecting $XXXXX in closing costs paid at closing. Seller Comment (2018-10-29): Sellers CD 10/30/2018     1 A 09/28/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831905 [Redacted] [Redacted] [Redacted] [Redacted] 11/16/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-11-29): XXXXX elected to waive the exception. Reviewer Comment (2018-11-16): Property Inspection received dated XXXXX reflecting no damage, however no end date has been declared. Exception remains.     11/29/2018 2 B 09/28/2018 CA Primary Purchase   C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831906 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX)     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831906 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Note date XXXXX. Final Closing Disclosure date issued XXXXX and closing date XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831906 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Field is blank.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831906 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Missing evidence of Seller's Closing Disclosure.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831906 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of XXXXXexceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. (7564) Missing valid change circumstance and/or evidence of sufficient cure provided to the borrower in the amount of XXXXX   Reviewer Comment (2018-11-06): PCCD XXXXX was provided in the trailing docs and reflects a cure of $XXXXX. Proof of delivery to borrower along with check was also provided. Condition has been cleared. 11/06/2018     1 A 09/20/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831906 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXX) Lender monthly tax XXXXX. Calculated monthly tax XXXXX.   Reviewer Comment (2018-12-07): Letter of Explanation, Proof of Delivery, and Corrected CD provided. Exception cured. Seller Comment (2018-12-07): Updated CD Reviewer Comment (2018-11-06): Unable to locate property tax verification in file to support $XXXXX/year. System calculated tax at XXXXX% for $XXXXX. Please provide tax verification to confirm $XXXXX/year. Seller Comment (2018-10-31): Impound: Hazard $XXXXX and Property $XXXXX = $XXXXX * 12 months = $XXXXX/year. Where did you get the $XXXXX from?   12/07/2018   2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831906 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. xxxxx Lender monthly tax XXXXX Calculated monthly tax XXXXX   Reviewer Comment (2018-12-07): Letter of Explanation, Proof of Delivery, and Corrected CD provided. Exception cured. Reviewer Comment (2018-11-06): Unable to locate property tax verification in file to support $XXXXX/year. System calculated tax at XXXXX% for $XXXXX. Please provide tax verification to confirm $XXXXX/year. Seller Comment (2018-10-31): Impound: Hazard $XXXXX and Property $XXXXX = $XXXXX * 12 months = $XXXXX/year. Where did you get the $XXXXX from?   12/07/2018   2 B 09/20/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831906 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. xxxx Lender monthly tax XXXXX. Calculated monthly tax XXXXX.   Reviewer Comment (2018-12-07): Letter of Explanation, Proof of Delivery, and Corrected CD provided. Exception cured. Reviewer Comment (2018-12-05): Tax Calculations provided with a XXXXX% tax rate and additional annual tax amount of $XXXXX. $XXXXX Purchase Price x XXXXX% = $XXXXX+ $XXXXX = $XXXXX/12 = XXXXX total tax amount. Allowable tolerance is $0.02 tolerance per month. Cure would require Letter of Explanation, Proof of Delivery, and Corrected CD required for cure. Cure timeline expires XXXXX. Exception remains. Reviewer Comment (2018-12-03): Lender monthly tax is $XXXXX. Lender provided internal spreadsheet reflects XXXXX% tax rate + $XXXXX special assessments. Purchase price is $XXXXX Using lender spreadsheet monthly tax amount is $XXXXX per month. Lender used $XXXXX. Exception remains. Reviewer Comment (2018-11-06): Unable to locate property tax verification in file to support $XXXXX/year. System calculated tax at XXXXX% for $XXXXX. Please provide tax verification to confirm $XXXXX/year. Seller Comment (2018-10-31): Impound: Hazard $XXXXX and Property $XXXXX = $XXXXX * 12 months = $XXXXX/year. Where did you get the $XXXXX from?   12/07/2018   2 B 09/20/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831906 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at leastXXXXX.   Desk Review is inconclusive.   Reviewer Comment (2018-11-23): Field Review provided with value of $XXXXX a -0.14% variance. Exception cleared. 11/23/2018     1 A 09/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831907 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (FinalXXXX) Seller paid fees paid on the Seller's CD (XXXXX) varied significantly between what was disclosed on the Borrower's Final CD (XXXXX).   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/20/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A A A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831908 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 09/17/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/09/17/2018) Closing date is XXXXX, the closing date on Final Closing Disclosure is XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/17/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831908 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) There is no evidence of Seller Closing Disclosure.   Reviewer Comment (2018-11-09): Seller CD was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-05): Seller CD Reviewer Comment (2018-10-29): Please provide final seller cd. CD provided has handwritten changes, is estimated and signed by seller a month prior to closing. 11/09/2018     1 A 09/17/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831908 [Redacted] [Redacted] [Redacted] [Redacted] 11/09/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXX Xdisclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Transfer Tax XXXXX exceeds zero tolerance and no cure was provided.   Reviewer Comment (2018-11-15): Purchase contract reflects customary transfer tax paid by seller. Condition has been cleared. Buyer Comment (2018-11-15): Property Inspection - XXXXX wildfires (XXXXX) 11/15/2018     1 A 09/17/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831908 [Redacted] [Redacted] [Redacted] [Redacted] 11/09/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Consumer CD did not reflect any seller fees   Reviewer Comment (2018-11-17): XXXXX elected to waive the exception.     11/17/2018 1 A 09/17/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831908 [Redacted] [Redacted] [Redacted] [Redacted] 11/09/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) Transfer Tax XXXXX exceeds zero tolerance and no cure was provided.   Reviewer Comment (2018-11-12): Purchase contract reflects customary transfer tax paid by seller. Condition has been cleared. Seller Comment (2018-11-09): No cure required because these fees are paid by the SELLER NOT THE BORROWER. Please re-review. 11/12/2018     1 A 09/17/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831909 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance K-1 Documentation Qualified Mortgage (Dodd-Frank 2014): Two (2) years copies of K-1s or signed tax returns/transcripts not provided for K-1 (Less than XXX Ownership) income. (XXXXX/Schedule K-1 less than 25 Percent) Loan file only contains the Borrower's XXXXX and XXXXX signed and dated personal tax returns with matching transcripts, a filing extension for XXXXX, and the Borrower's XXXXX   Reviewer Comment (2018-11-15): XXXXX less than XXXXX%, 2 years documentation not required based upon consumers start date Reviewer Comment (2018-11-09): XXXXX not met, XXXXX K1 not provided. Borrower became XXXXX in K1 (<25%) XXXXX on XXXXX per 1008. Income was calculated based on offer letter. Buyer to review and address if condition is to be waived. 11/15/2018     1 A 09/21/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831909 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance K-1 Justification Qualified Mortgage (Dodd-Frank 2014): K-1 (Less than XXXXX Ownership) income earned for less than two (2) years is not allowed. (XXXXX/Schedule K-1 less than 25 Percent) The Borrower has only been a XXXXX since XXXXX and has not had this employment for at least 2 years.   Reviewer Comment (2018-11-15): Consumer income less than two years permitted since consumer is 11/15/2018     1 A 09/21/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831909 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaryXXXXX) The waiver was provided but no evidence was provided the borrower received the appraisal at or before closing   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831909 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - K-1 Less XXXXX% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than XXXXX% Ownership) status using reasonably reliable third-party records. (XXXXX/Schedule K-1 less than XXXXX Percent) File contains XXXXX and XXXXX personal tax returns with matching transcripts, XXXXX K-1, and filing extension for XXXXX ; however, Borrower has only been with current employer since XXXXX .   Reviewer Comment (2018-11-15): Loan is a XXXXX loan 11/15/2018     1 A 09/21/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831909 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - K-1 Less XXXXX% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than XXXXX% Ownership) status using reasonably reliable third-party records. (XXXXX/Schedule K-1 less than XXXXX Percent) File contains XXXXX and XXXXX personal tax returns with matching transcripts, XXXXX K-1, and filing extension for XXXXX ; however, Borrower has only been with current employer since XXXXX .   Reviewer Comment (2018-11-15): Loan is a XXXXX loan Reviewer Comment (2018-11-09): XXXXX not met, XXXXX K1 not provided. Borrower became XXXXX in K1 (<25%) XXXXX on XXXXX per 1008. Income was calculated based on offer letter. Buyer to review and address if condition is to be waived. Seller Comment (2018-11-08): See attached 11/15/2018     1 A 09/21/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831909 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of XXXXX does not match Due Diligence Loan Designation of XXXXX Fail. Designation per Deal Docs and identified designation is based upon the lack of income documentation and 3rd party verification.   Reviewer Comment (2018-11-15): XXXXX less than XXXXX% documentation meets XXXXX 11/15/2018     1 A 09/21/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831909 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of $XXXXX . (XXXXX ) Lender reduced their credit by XXXXX% without explanation exceeding the Zero percent tolerance.   Reviewer Comment (2018-11-13): Valid changed of circumstance XXXXX was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-12): COC 11/13/2018     1 A 09/21/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831909 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX ) The Lender did not provide a cure for the excessive decrease in Lender Credits.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831911 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/25/2018 WA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831911 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/XXXXX ) Final Closing Disclosure provided on XXXXX did not disclose the required Broker NMLS ID.   Reviewer Comment (2018-11-07): PCCD XXXXX was provided in the trailing docs reflecting broker NMLS information. Proof of electronic delivery to borrower was also provided. Condition has been cleared. 11/07/2018     1 A 09/25/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831911 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 WA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/13/2018 CA Second Home Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance K-1 Documentation       Reviewer Comment (2018-11-13): The borrower is less than XXXXX% however his employer provided evidence of the extension to XXXXX Seller Comment (2018-11-12): Hi, please review latest docs uploaded. We are confused as to what is missing... XXXXX K1 is not available as there is a signed extension in there. Thank you. Reviewer Comment (2018-11-07): XXXXX K1 for XXXXX was not provided. Reviewer Comment (2018-11-07): XXXXX K1 was not provided. Reviewer Comment (2018-10-30): Tax returns provided were not executed as required. 11/13/2018     1 A 09/13/2018 CA Second Home Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance K-1 Documentation       Reviewer Comment (2018-12-03): Income is positive and not needed to qualify. Exception cleared. Reviewer Comment (2018-12-03): Borrower XXXXX is missing the XXXXX for XXXXX. XXXXX K-1 was provided in file.. Schedule E of tax returns indicate this XXXXX also in XXXXX. Exception remains. Seller Comment (2018-12-03): Hi, We uploaded all K1's on XXXXX. Thank you. Reviewer Comment (2018-11-20): Need K-1 from XXXXX for XXXXX Schedule E loss. K-1 for another borrower was provided. Exception remains. Seller Comment (2018-11-20): XXXXX K1 now provided. Reviewer Comment (2018-11-19): Missing XXXXX K-1. Only XXXXX K-1 was provided in file. Missing two years of income. Exception remains. Seller Comment (2018-11-14): Hi. Signed K1 extension along with other signed returns are in the attached. Thank you. Reviewer Comment (2018-11-07): XXXXX K1 was not provided. Reviewer Comment (2018-10-30): Tax returns provided were not executed as required. 12/03/2018     1 A 09/13/2018 CA Second Home Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance S-Corp Income Documentation Test       Reviewer Comment (2018-11-19): Consumer provided two years tax returns 11/19/2018     1 A 09/13/2018 CA Second Home Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency       Buyer Comment (2018-12-06): ok to clear, does not impact XXXXX Reviewer Comment (2018-11-19): File contains XXXXX K-1's along with XXXXX personal returns with a XXXXX personal extension in file.     12/06/2018 2 B 09/13/2018 CA Second Home Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance QM Employment History - Current Employment Documentation lacks Date Info   Two years of employment verified via XXXXX/XXXXX tax returns   Reviewer Comment (2018-12-03): Income is positive and not needed to qualify. Exception cleared. Reviewer Comment (2018-11-19): Missing evidence of actual dates of employment verification. 12/03/2018     1 A 09/13/2018 CA Second Home Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR   Missing the most recent XXXXX returns   Buyer Comment (2018-12-06): ok to clear, does not impact XXXXX Reviewer Comment (2018-11-19): File contains XXXXX K-1's along with XXXXX personal returns with a XXXXX personal extension in file.     12/06/2018 2 B 09/13/2018 CA Second Home Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR   An extension for the XXXXX tax returns were captured.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/13/2018 CA Second Home Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM   Due to missing income documentation the file fails QM   Reviewer Comment (2018-12-03): XXXXX exceptions resolved, loan meets XXXXX 12/03/2018     1 A 09/13/2018 CA Second Home Purchase Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided   The loan file did not contain a copy of the Home Loan Toolkit Disclosure.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/13/2018 CA Second Home Purchase No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits   The total closing costs exceeded the legal limit by $XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/13/2018 CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date   The loan was scheduled to sign XXXXX however the signing did not take place until XXXXX with distribution taking place on XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/13/2018 CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency   The losses reported were not from the most current tax returns nor any XXXXX K1 provided to insure the losses have not increased.   Buyer Comment (2018-12-06): ok to clear, does not impact XXXXX Reviewer Comment (2018-11-19): File contains XXXXX K-1 along with XXXXX personal returns with a XXXXX personal extension in file.     12/06/2018 2 B 09/13/2018 CA Second Home Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831912 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees   Buyer CD lists fees paid as $XXXXX whereas the seller CD lists fees paid as $XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/13/2018 CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831913 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Insurance Insurance Analysis Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Evidence of insurance provided reflects an expiration date of XXXXX. Remarks reflect policy paid through XXXXX however renewal policy with dates of coverage and legible premium were not provided.   Reviewer Comment (2018-10-30): Received renewal policy effective XXXXX. Issue cleared. 10/30/2018     1 A 09/20/2018 FL Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204831913 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXXXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (XXXXX )         10/24/2018   1 A 09/20/2018 FL Primary Refinance - Rate/Term Final CD evidences Cure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
204831913 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Loan approval was not provided.   Reviewer Comment (2018-10-30): Received loan approval. 10/30/2018     1 A 09/20/2018 FL Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204831913 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX ) Proof that revised appraisal XXXXX was delivered to the borrower was not provided.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 FL Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204831914 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX ) Final CD issued XXXXX disclosed a Closing Date of XXXXX instead of the actual date of consummation XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831914 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX ) The Final CD issued XXXXX based the property costs over year 1 on estimated escrow payment of $XXXXX which included $XXXXX for property taxes. However, there was no documentation in file supporting not using 1.25% of the sale price to determine the property taxes, therefore the estimated escrow payments should be $XXXXX or $XXXXX annualized.   Reviewer Comment (2018-10-30): Received verification of monthly taxes totaling $XXXXX. Issue cleared. 10/30/2018     1 A 09/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831914 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/XXXXX ) The Final CD issued XXXXX disclosed an estimated escrow payment of $XXXXX which included $XXXXX for property taxes. However, there was no documentation in file supporting not using 1.25% of the sale price to determine the property taxes, therefore the estimated escrow payments should be $XXXXX.   Reviewer Comment (2018-10-30): Received verification of monthly taxes totaling $XXXXX. Issue cleared. 10/30/2018     1 A 09/06/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831914 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/XXXXX ) The Final CD issued XXXXX disclosed Total Minimum Payment of $XXXXX based on an estimated escrow payment of $XXXXX which included $XXXXXfor property taxes. However, there was no documentation in file supporting not using 1.25% of the sale price to determine the property taxes, therefore the Total Minimum Payment should be $XXXXX.   Reviewer Comment (2018-10-30): Received verification of monthly taxes totaling $XXXXX. Issue cleared. Seller Comment (2018-10-29): We used the attached calculator vs 1.25% because this home is XXXXX and taxes have not been assessed 10/30/2018     1 A 09/06/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831914 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX ) Final CD issued XXXXX disclosed $XXXXX collected for Homeowners Association Dues under Prepaids, however the number of months was not provided.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831914 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX ) The Final CD issued XXXXX disclosed the addition of Transfer Taxes, however the Total Closing Costs exceeded the legal limits did not reflect the $XXXXX excess paid.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831914 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX ) Seller Closing Disclosure not located in the file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831917 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX ) There is no evidence that the creditor provided a copy of each valuation to applicant three (3) business days prior to consummation.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CO Primary Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831917 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CO Primary Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831918 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-11-12): Desk Review provided. Exception cleared. 11/12/2018     1 A 09/19/2018 CA Primary Purchase   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831918 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX ) This final signed CD was signed by the borrowers on XXXXX   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831918 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX ) Disclosure not provided   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831918 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXX exceeds tolerance of $XXXXX . Sufficient or excess cure was provided to the borrower at Closing. (XXXXX )         10/22/2018   1 A 09/19/2018 CA Primary Purchase Final CD evidences Cure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831918 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desk Review is inconclusive.   Reviewer Comment (2018-11-23): Field Review provided with value of $XXXXX, a -.11% variance. Exception cleared. 11/23/2018     1 A 09/19/2018 CA Primary Purchase   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): provided 12/10/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   The Approval was not provided in the Loan File.   Reviewer Comment (2018-11-06): Lender final approval was provided in the trailing docs. Condition has been cleared. 11/06/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. There is no evidence that the Creditor provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. Evidence of the rate lock date was not provided in the loan file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. There is no evidence that the Creditor provided the Homeownership Counseling List to the borrower.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX ) Final Closing Disclosure provided on XXXXX disclosed a Closing Date of XXXXX that did not match the actual date of XXXXX when the Security Instrument was Notarized.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XXXXX ) Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. Disclosure tracking in file reflects the Initial LE was issued on XXXXX and received by the borrower on XXXXX; however, the LE is not provided in the file.   Reviewer Comment (2018-11-07): LE XXXXXwas provided in the trailing dos and is within 3 days of application. Condition has been cleared. 11/07/2018     1 A 09/20/2018 CA Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. File does not evidence the consumer was provided with the Settlement Service Providers List.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX ) The Seller CD disclosed the Seller's Closing costs totaling $XXXXX whereas the Consumer's Final CD disclosed Seller's Closing costs totaling $XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 11/07/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX ) Transfer tax fee was not disclosed on LE XXXXX and a valid changed circumstance was not provided. No cure was provided.   Reviewer Comment (2018-11-13): Changed circumstance XXXXX provided in the trailing docs and reflects property type change affecting transfer tax fee. LE XXXXX reflects different subject property from LE XXXXX. Condition has been cleared. 11/13/2018     1 A 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204831919 [Redacted] [Redacted] [Redacted] [Redacted] 11/07/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXX exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XXXXX ) Transfer tax fee was not disclosed on LE XXXXX and a valid changed circumstance was not provided. No cure was provided.   Reviewer Comment (2018-11-13): Changed circumstance XXXXX provided in the trailing docs and reflects property type change affecting transfer tax fee. LE XXXXX reflects different subject property from LE XXXXX. Condition has been cleared. 11/13/2018     1 A 09/20/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204831920 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX ) The Borrower signed a waiver to receive the appraisal in advance of 3 days prior to closing; however there is no evidence the Borrower received a copy at the time of closing   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 OR Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831920 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX ) The final CD did not disclose a Contact Name or NMLS ID for a contact at the Lender.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831920 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX ) The Closing Date disclosed is XXXXX on the final CD; however, the borrower signed XXXXX with a consummation date of XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831920 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). The file is missing documentation as required by QM for rental income.   Reviewer Comment (2018-11-13): Upon further review, rental income was not used in qualifying. Lease agreement was not required. Mortgage statement for XXXXX reflecting payment including escrows. Condition has been cleared. Seller Comment (2018-11-13): copy of rental income Seller Comment (2018-11-13): copy of the rental income Reviewer Comment (2018-11-05): Upon further review, rental income was not used in qualifying. PITIA was set at $XXXXX however mortgage statement for XXXXX reflecting escrows and/or insurance verification was provided to confirm PITIA. Condition remains. Reviewer Comment (2018-10-30): Loan was originated as XXXXX, however lease agreement for rental property not evidenced in loan file. Seller Comment (2018-10-30): copy of LOE and updated 1003 and 1008 11/13/2018     1 A 09/11/2018 OR Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831920 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX ) This section was not completed   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831920 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX ) Seller CD was not provide.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/11/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831920 [Redacted] [Redacted] [Redacted] [Redacted] 10/30/2018 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXXXX . Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Loan was originated as Safe Harbor, however lease agreement for rental property not evidenced in loan file.   Reviewer Comment (2018-11-05): Upon further review, rental income was not used in qualifying. Lease agreement was not required. Condition has been cleared. 11/05/2018     1 A 09/11/2018 OR Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831921 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Credit Legal / Regulatory / Compliance Title / Lien Defect Title Policy Coverage is less than Original Loan Amount.       Reviewer Comment (2018-10-31): Received final title policy reflecting coverage of $XXXXX. 10/31/2018     1 A 09/10/2018 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831921 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX ) Loan closed 9/10/18.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831921 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. No evidence of this in file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/10/2018 CA Primary Purchase No Defined Cure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831921 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX ) Number of months for HOA dues is blank.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831921 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. Evidence of borrower's signature is not on form.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/10/2018 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831921 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX ) Seller CD has different figures than seller paid on consumer's CD   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831922 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits             10/31/2018 2 B 10/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831922 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure             10/31/2018 2 B 10/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831922 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided         11/14/2018     1 A 10/01/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831922 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date             10/31/2018 2 B 10/01/2018 CA Primary Purchase   C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831922 [Redacted] [Redacted] [Redacted] [Redacted] 11/09/2018 Compliance Compliance Federal Compliance TRID Post Close Closing Disclosure Total Of Payments Test Non-Rescindable Transactions           12/07/2018   2 B 10/01/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831922 [Redacted] [Redacted] [Redacted] [Redacted] 11/19/2018 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date.       11/29/2018 2 B 10/01/2018 CA Primary Purchase   C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831922 [Redacted] [Redacted] [Redacted] [Redacted] 02/27/2019 Compliance Compliance Federal Compliance TRID Post Close Closing Disclosure Total Of Payments Test Non-Rescindable Transactions TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Total of Payments of $XXXXX disclosed on the Final Closing Disclosure dated XXXXX is inaccurate by more than $100 compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of $XXXXX provided on XXXXX , a difference of $XXXXX .     Reviewer Comment (2019-02-27): Exception is a duplicate. Lender cured previous TOP underdisclosure. 02/27/2019     1 A 10/01/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831924 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing secondary valuation product required for securitization.   Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/20/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831924 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.   Reviewer Comment (2018-11-12): Loan is XXXXX 11/12/2018     1 A 09/20/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831924 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX ) The final Closing Disclosure provided on XXXXX did not disclose a value of the dollar amount by which the total closing costs exceeded the legal limit.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831924 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX ) There is no evidence in the file that the Borrower received a copy of the appriasal.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831924 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX ). (XXXXX /XXXXX ) Self-employed income documentation not sufficient   Reviewer Comment (2018-11-12): XXXXX income greater than one year permissible based on prior experience. Seller Comment (2018-11-12): Can you please advise on buyer to review and elect to waive? Thank you. Reviewer Comment (2018-11-06): Start date XXXXX. Less than XXXXX years of XXXXX at XXXXX therefore less than 2 years XXXXX returns were provided. Lender justification as XXXXX is a second location of XXXXX which was started XXXXX. Buyer to review and elect to waive. 11/12/2018     1 A 09/20/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831924 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXXX /XXXXX /XXXXX ) Borrower is XXXXX XXXXX XXXXX different companies lender used 2 of them as supporting income due to same type of business as justificaiton.   Reviewer Comment (2018-11-16): The loan images contain the XXXXX verification of the business file updated on XXXXX which is more than 30 days from the note dated XXXXX. However there were XXXXX dated XXXXX which confirms the XXXXX still operational within the XXXXX Reviewer Comment (2018-11-05): Business Entity Listing/Search or other third party verification was not provided to verify XXXXX start date of each of the XXXXX businesses. 11/16/2018     1 A 09/20/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831924 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX ). (XXXXX ,XXXXX ./XXXXX ) Borrower is XXXXX XXXXX XXXXX different companies lender used 2 of them as supporting income due to same type of business as justificaiton.   Reviewer Comment (2018-11-05): XXXXX P&L, Balance Sheet were provided in the trailing docs. Condition has been cleared. 11/05/2018     1 A 09/20/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831924 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance Self Employed Financial Strength Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (XXXXX ,XXXXX ./XXXXX ) Borrower is XXXXX XXXXX XXXXX different companies lender used 2 of them as supporting income due to same type of business as justificaiton.   Reviewer Comment (2018-11-05): Upon further review, Gross receipts increased from XXXXX to XXXXX. Distributions to borrower increased from $XXXXX in XXXXX to $XXXXX in XXXXX The lower ordinary income $XXXXX was used in qualifying. XXXXX cash flow reflects a minimal decrease of approx. XXXXX% from XXXXX to XXXXX however XXXXX P&L reflected an increase. Condition has been cleared. 11/05/2018     1 A 09/20/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831924 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX ). (XXXXX ,XXXXX /XXXXX )     Reviewer Comment (2018-11-12): XXXXX income greater than one year permissible based on prior experience. Reviewer Comment (2018-11-07): Start date XXXXX. Less than XXXXX years of XXXXX at XXXXX therefore less than XXXXX years business returns were provided. Lender justification as XXXXX is XXXXX which is in same line of XXXXX that started XXXXX (XXXXX). Buyer to review and elect to waive. Seller Comment (2018-11-07): Hi, We are curious as to what is needed to clear this. please explain. Thank you, Reviewer Comment (2018-11-06): Start date XXXXX. Less than XXXXX years of XXXXX at XXXXX therefore less than XXXXX years business returns were provided. Lender justification as XXXXX is XXXXX which is in same line of XXXXX that started XXXXX (XXXXX). Buyer to review and elect to waive. 11/12/2018     1 A 09/20/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831924 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX ). (XXXXX ,XXXXX /XXXXX )     Reviewer Comment (2018-11-12): XXXXX income greater than one year permissible based on prior experience. 11/12/2018     1 A 09/20/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831925 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TILA NMLSR - Missing NMLS Information on Security Instrument Truth in Lending Act (NMLSR Dodd- Frank 2014): NMLSR information not present on Security Instrument. The last page of the security instrument is not included in the loan file. No other pages of the security instrument or riders disclosed the NMLSR information.   Reviewer Comment (2018-11-05): All 12 pages of the security instrument were provided in the trailing docs and reflects NMLS information. Condition has been cleared. 11/05/2018     1 A 09/25/2018 CA Primary Purchase Need evidence that lender provided consumer with accurate NMLS information post close (addendum to Security Instrument) C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831925 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX ) Per the Hazard Insurance policy in the loan file the annual insurance premium is $XXXXX or $XXXXX per month. However, section F of the Final Closing disclosure shows the annual Hazard Insurance Policy cost is $XXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831925 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX ) The Final Closing Disclosure does not show a cure for the $XXXXX that the closing costs exceeded the legal limit.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831925 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $XXXXX . (XXXXX ) The Final Lender Credit decreased by $XXXXX without a valid change of circumstance.   Reviewer Comment (2018-11-07): Valid changed circumstance XXXXX was provided in the trailing docs. Condition has been cleared. 11/07/2018     1 A 09/25/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831926 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 AL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831926 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided       Reviewer Comment (2018-11-13): Upon further review, Final 1008 signed by underwriter and XXXXX were provided in the file. Condition has been cleared. Seller Comment (2018-11-12): is the final XXXXX what you need? just uploaded. Reviewer Comment (2018-11-07): Lender Final Approval was not provided. Seller Comment (2018-11-07): Hi, Can you please advise what is missing? this condition is not clear. Thank you, 11/13/2018     1 A 09/25/2018 AL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831926 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX ). (XXXXX ,XXXXX /XXXXX ) XXXXX personal tax returns not provided; however, Tax extension for XXXXX has been provided.   Reviewer Comment (2018-11-06): Loan file contains the most recent two years XXXXX returns, XXXXX and XXXXX, and the personal returns for XXXXX and XXXXX. Buyer Comment (2018-11-05): XXXXX not met, most recent return not in file, XXXXX extension was provided. Buyer to address if condition is to be waived. 11/06/2018     1 A 09/25/2018 AL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831926 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX ) Acknowledgement of receipt of appraisal not provided.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 AL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831926 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance State Compliance XXXXX Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. XXXXX late charge maximum amount is $XXXXX; XXXXX% of the payment amount as stated on the Note = $XXXXX.   Reviewer Comment (2018-11-17): XXXXX elected to waive the exception.     11/17/2018 2 B 09/25/2018 AL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831926 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) The homeowners insurance premium in the prepaid section reflects an amount of $XXXXX, which is the balance; the full annual premium per the HOI policy is $XXXXX = $XXXXX as disclosed in section G.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 AL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831926 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Final XXXXX) The number of months for the property taxes in Section F of the final closing disclosure was not provided   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 AL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831926 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (XXXXX) The Transfer Tax fee increased without a valid cure.       10/24/2018   1 A 09/25/2018 AL Primary Refinance - Rate/Term Final CD evidences Cure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831926 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Due to XXXXX personal tax returns not provided; however, Tax extension for XXXXXhas been provided.   Reviewer Comment (2018-11-06): XXXXX Loan Reviewer Comment (2018-11-06): XXXXX failure due to missing XXXXX personal returns. XXXXX tax extension was provided. Buyer to review and elect to waive 11/06/2018     1 A 09/25/2018 AL Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831926 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/25/2018 AL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831926 [Redacted] [Redacted] [Redacted] [Redacted] 11/06/2018 Compliance Compliance Miscellaneous Compliance Miscellaneous Compliance: Non-Material Compliance Exception:   Tax Return Recency issue. The most recent personal tax returns in the loan file are for XXXXX with the loan application occurring in August of XXXXX. There is an extension filed for the consumer's XXXXX personal returns.   Reviewer Comment (2018-11-17): XXXXX elected to waive the exception.     11/17/2018 2 B 09/25/2018 AL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831927 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Subject loan contains one valuation report as per guidelines.   Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/27/2018 CO Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831927 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Documentation supporting borrower was provided appraisal prior to closing not provided.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/27/2018 CO Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831927 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Employment Miscellaneous The verification of employment was not obtained within 10 days of the note date.   Borrower is a XXXXX and XXXXX for current employer. A verbal verification of employment that includes start date not provided. The file contains documentation supporting borrower's business license was provided within 10 days.   Reviewer Comment (2018-11-14): XXXXX loan, VVOE obtained XXXXX prior to delivery to agency. Condition has been cleared. Seller Comment (2018-11-14): VOE attached. This is a XXXXX loan, so obtaining the VOE after closing is acceptable as long as it's d one prior to deliver to the agencies . 11/14/2018     1 A 09/27/2018 CO Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831928 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 HI Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831928 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.       Reviewer Comment (2018-11-08): 1004D was provided in the file and reflects that property was not in area of island that was affected by natural disaster and there has been no impact on market value as of XXXXX. Condition has been cleared. Seller Comment (2018-11-06): DAIR Report 11/08/2018     1 A 09/21/2018 HI Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831928 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. The Loan Originator Compensation Disclosure is not included in the file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 HI Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831928 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Closing Disclosure Issue Date Not Provided TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XXXXX did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Interim/XXXXX) The Closing Disclosure did not indicate the date issued.   Reviewer Comment (2018-10-30): Received attestation from client that CD was a DRAFT copy and not sent to Borrower. Also received copy of CD labeled as DRAFT. Seller Comment (2018-10-30): This is a Draft CD for fee estimate only, not sent to bwr 10/30/2018     1 A 09/21/2018 HI Primary Refinance - Rate/Term Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831928 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Evidence of earlier borrower receipt was not found in the file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 HI Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831928 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Evidence of earlier borrower receipt was not found in the file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 HI Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831928 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX) Evidence of copy of appraisal report to borrower was not found in the file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/21/2018 HI Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831928 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XXXXX) Evidence of earlier borrower receipt was not found in the file.   Reviewer Comment (2018-10-30): Received LE dated XXXXX. Seller Comment (2018-10-30): XXXXX loan - LE sent by XXXXX 10/30/2018     1 A 09/21/2018 HI Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831928 [Redacted] [Redacted] [Redacted] [Redacted] 10/30/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure not provided at closing   Reviewer Comment (2018-11-08): Valid changed circumstance XXXXX was provided in the trailing docs. Condition has been cleared. 11/08/2018     1 A 09/21/2018 HI Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831928 [Redacted] [Redacted] [Redacted] [Redacted] 10/30/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXXXX exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XXXXX) Cure not provided at closing   Reviewer Comment (2018-11-08): Valid changed circumstance XXXXX was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-05): COC - Recert of value required 11/08/2018     1 A 09/21/2018 HI Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831929 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller paid fees on the buyers Closing Disclosure is $XXXXX; seller paid fees on the sellers Closing Disclosure is $XXXXX. Seller paid fees not listed on the borrowers Final CD, Realtor Commissions of $XXXXX and Mobile Notary of $XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/20/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831929 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX Per XXXXX # 19; verbal verification of employment no more than 10 business days prior to the note date is required; documentation not provided. VOE's in file are more than 10 days.   Reviewer Comment (2018-10-30): Received VVOE dated XXXXX. Seller Comment (2018-10-30): copy of VOE 10/30/2018     1 A 09/20/2018 WA Primary Purchase   C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831930 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/14/2018 FL Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831930 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on XXXXX, prior to three (3) business days from transaction date of XXXXX.     Reviewer Comment (2018-11-05): Upon further review, Final CD was executed by borrower XXXXX. Loan disbursed XXXXX. Condition has been cleared Seller Comment (2018-10-31): Transaction/closing date is XXXXX? Please clarify what you are referring to? Thanks 11/05/2018     1 A 09/14/2018 FL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831930 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).     Reviewer Comment (2018-11-05): Upon further review, Final CD was executed by borrower XXXXX. Loan disbursed XXXXX. Condition has been cleared 11/05/2018     1 A 09/14/2018 FL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831930 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. Unable to locate evidence of the signed initial Affiliated Business Arrangement in file.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/14/2018 FL Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831930 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): CDA provided w/value of $XXXXX same value as the appraisal. 12/10/2018     1 A 09/14/2018 FL Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided       Reviewer Comment (2018-11-07): Lender tax calculation $XXXXX was provided in the trailing docs. Condition has been cleared. 11/07/2018     1 A 09/26/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX) Number of months for Homeowners Association Dues under Prepaids is blank.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) Sellers CD does not reflect Recording Fee of $XXXXX paid by Seller.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 1 A 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. Insufficient or no cure was provided to the borrower. (XXXXX) No evidence of cure located.   Reviewer Comment (2018-11-27): Lender cured on the PCCD dated XXXXX by refunding the borrower $XXXXX. Received copy of the check, LOE, corrected CD, and proof of delivery. Seller Comment (2018-11-26): Document to clear suspense uploaded XXXXX for review, please clear suspense Reviewer Comment (2018-11-08): Appraisal Fee $XXXXX exceeds zero tolerance by $XXXXX, a valid change nor cure was provided in the trailing docs. Condition remains.   11/27/2018   2 B 09/26/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXXXX exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XXXXX) No evidence of cure located.   Reviewer Comment (2018-11-07): Upon further review, appraisal was completed subject to and a valid changed circumstance was provided for re inspection fee Condition has been cleared. 11/07/2018     1 A 09/26/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXX exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XXXXX) No evidence of cure located.   Reviewer Comment (2018-11-27): Lender cured on the PCCD dated XXXXX by refunding the borrower $XXXXX. Received copy of the check, LOE, corrected CD, and proof of delivery. Seller Comment (2018-11-26): Document to clear suspense uploaded XXXXX, please review and advise Reviewer Comment (2018-11-08): Changed circumstance was provided in the trailing docs however a valid change was not identified. Purchase contract is dated XXXXX with no changes regarding transfer tax provided. Information was available as of XXXXX. Condition remains.   11/27/2018   2 B 09/26/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Exceeded Legal limit is not reflected on Final CD   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX)     Reviewer Comment (2018-11-07): Lender tax calculation $XXXXX was provided in the trailing docs. Condition has been cleared. 11/07/2018     1 A 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/XXXXX) The tax cert is missing from the loan file. Review used 1.25% default for XXXXX property.   Reviewer Comment (2018-11-07): Lender tax calculation $XXXXX was provided in the trailing docs. Condition has been cleared. 11/07/2018     1 A 09/26/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/XXXXX) The tax cert is missing from the loan file. Review used 1.25% default for XXXXX property.   Reviewer Comment (2018-11-07): Lender tax calculation $XXXXX was provided in the trailing docs. Condition has been cleared. 11/07/2018     1 A 09/26/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831931 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desk Review is inconclusive.   Reviewer Comment (2018-11-23): Field Review provided with value of $XXXXX, a 0% variance. 11/23/2018     1 A 09/26/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831932 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) Disclosure reflects Insurance under prepaids as 12 months; $XXXXX collected (calculated $XXXXX/month); Escrow section reflects $XXXXX/month (calculated annual amount $XXXXX).   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/15/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B A B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831932 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. Disclosure is not signed and dated by borrower.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/15/2018 CA Primary Refinance - Cash-out - Other   B B A B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831932 [Redacted] [Redacted] [Redacted] [Redacted] 11/23/2018 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___ Disaster Declaration Date: ___   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-11-29): Client elects to waive. Reviewer Comment (2018-11-23): PDI provided dated XXXXX reflecting no damage, however a disaster end date has not been declared. Exception remains.     11/29/2018 2 B 09/15/2018 CA Primary Refinance - Cash-out - Other   B B A B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831933 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Post-Close Valuation was not provided.   Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/26/2018 CA Primary Purchase   C B A B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831933 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. Affiliated Business Arrangement Disclosure was not signed by borrowers   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/26/2018 CA Primary Purchase   C B A B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831933 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) The final Closing Disclosure issued on XXXXX disclosed a finance charge of $XXXXX, however the correct calculated finance charge is $XXXXX, which is a difference of $XXXXX.   Reviewer Comment (2018-11-13): PCCD XXXXX along with proof of delivery and cure check in the amount of $XXXXX was provided in the trialing docs. Condition has been cleared Seller Comment (2018-11-12): proof of tolerance cure Seller Comment (2018-11-07): proof of tolerance Reviewer Comment (2018-10-30): Under-disclosure of $XXXXX. XXXXX is including $10 Flood Cert, $895 Loan Origination, $500 Settlement fee, $70 Tax Service Fee, $95 Title-Courier, $100 Title - E Doc Delivery, $500 Title Loan Tie In, $160 Title- Processing, $2025 Title - Settlement fee, $70 Title-Sub Escrow, $75 Title - Wire and $50 Warehousing fee. $221.91 of pre-paid interest is also being considered. Seller Comment (2018-10-29): please provide a breakdown of how your collection is $XXXXX?   11/13/2018   2 B 09/26/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831933 [Redacted] [Redacted] [Redacted] [Redacted] 11/16/2018 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-11-29): Client elects to waive. Reviewer Comment (2018-11-28): Property Inspection received dated XXXXX reflecting no damage, however no end date has been declared. Exception remains. Reviewer Comment (2018-11-16): Property Inspection received dated XXXXX reflecting no damage, however no end date has been declared. Exception remains.     11/29/2018 2 B 09/26/2018 CA Primary Purchase   C B A B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831935 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed a Closing Date of XXXXX that did not match the actual date of consummation. The security agreement was notarized on XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831935 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges. The Seller CD was also missing.   Reviewer Comment (2018-10-29): Received seller cd verifying $XXXXX in seller paid closing costs. 10/29/2018     1 A 09/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831935 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Amount of Non-Escrowed Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXX not accurate. The 1004 reflects HOA fees in the amount of $XXXXX/month or $XXXXX/year.   Reviewer Comment (2018-10-30): Received verification of monthly HOA totaling $XXXXX per month. Seller Comment (2018-10-30): I uploaded proof of the $XXXXX, why didn't you accept? Reviewer Comment (2018-10-30): Please provide evidence of monthly HOA amount of $XXXXXper month as file does not support this amount. Thanks! Seller Comment (2018-10-29): $XXXXX per month 10/30/2018     1 A 09/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831935 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX) Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831935 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (XXXXX)         10/26/2018   1 A 09/19/2018 CA Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831937 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831937 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.     Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831937 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (XXXXX)         10/22/2018   1 A 09/20/2018 CA Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831937 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXXX/XXXXX) Missing current business license to verify 2 year history   Buyer Comment (2018-12-06): Ok to waive, compensating factors: DTI, reserves, FICO     12/06/2018 2 B 09/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831937 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. XXXXX/XXXXX) Missing current business license to verify 2 year history   Buyer Comment (2018-12-06): OK to waive, compensating factors: DTI, reserves, FICO Reviewer Comment (2018-11-20): Business license provided, however is missing date incorporated to determine actual date incorporated. Two year history was provided. Exception remains.     12/06/2018 2 B 09/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831937 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (XXXXX) CD reflects a closing date of XXXXX. However loan consummation date is XXXXX.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831937 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/XXXXX) Final CD does not reflect Broker NMLS ID.   Reviewer Comment (2018-11-12): Letter of Explanation & Corrected Closing Disclosure was provided in the trailing docs with broker NMLS information. Condition has been cleared. Seller Comment (2018-11-12): Hello there would be no shipment label when mailed regular mail through the postal service. Please have this cleared as this is unnecessary as this was a clerical correction not needing to be sent to the borrower via Fedx or other shipment company. Please escalate to management. Thank you!!!! Reviewer Comment (2018-11-12): Proof of delivery, whether electronically or by mail is required. Typically, the shipment label is provided as proof of delivery. Seller Comment (2018-11-09): Hello Clerical error CD's are sent to the borrower via regular mail. They do not require proof of delivery. Please have this cleared. Thank you!! Reviewer Comment (2018-11-09): PCCD XXXXX was provided in the trailing docs reflecting broker NMLS information. Cover letter was also provided however proof of delivery to borrower was not provided. Condition remains. 11/12/2018     1 A 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831937 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Unable to locate Seller Closing Disclosure.   Reviewer Comment (2018-10-31): XXXXX elected to waive the exception.     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831938 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The final closing disclosure reflects a closing date of XXXXX. Borrower signed electronically XXXXX and wet signature XXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831938 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/XXXXX) The last page of the final closing disclosure did not list the Brokers NMLS number.   Reviewer Comment (2018-11-15): Letter of Explanation & Corrected Closing Disclosure XXXXX was provided in the trialing docs reflects broker NMLS information. Condition has been cleared. 11/15/2018     1 A 09/20/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831938 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) Itemization of Amount Financed not provided. Appears HOA Questionnaire not included in calculations.   Reviewer Comment (2018-11-12): Upon further review, finance charge was disclosed on Final CD XXXXX. Condition has been cleared. Seller Comment (2018-11-07): Hello Can you please clarify the HOA Questionnaire fee not part of amount financed stip? I do not see where we charged the borrower this fee on the CD. 11/12/2018     1 A 09/20/2018 FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831938 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Lender used $XXXXX/mo for HOA. UTD document used for fee. $XXXXX used from appraisal.   Reviewer Comment (2018-11-27): Received verification of hoa totaling $XXXXX. Seller Comment (2018-11-26): Corrected CD and Appraisal attached. Thank you Reviewer Comment (2018-11-14): CD reflects $XXXXX or $XXXXX/month however calculated is $XXXXXor $XXXXX/month ($XXXXX HOA per appraisal, $XXXXX insurance, $XXXXX tax). Condition remains 11/27/2018     1 A 09/20/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831938 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831938 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Sellers fees adjusted to include all fees for testing.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/20/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831938 [Redacted] [Redacted] [Redacted] [Redacted] 11/14/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) Original appraisal was provided and received XXXXX   Reviewer Comment (2018-11-14): Original appraisal was provided and received XXXXX, more than 3 days prior to closing XXXXX. 11/14/2018     1 A 09/20/2018 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXXXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Missing lease agreement.   Reviewer Comment (2018-12-05): Lease Agreement for XXXXX was provided in the trailing docs. Condition has been cleared. Reviewer Comment (2018-11-11): XXXXX requirements not met. Requirements include 2 years signed tax returns AND current lease agreement. Condition remains Seller Comment (2018-11-09): tax returns were included with file upload. 12/05/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. Missing lease agreement.   Reviewer Comment (2018-12-05): Lease Agreement for XXXXX was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-12-04): Lease agreement Reviewer Comment (2018-11-09): XXXXX requirements not met. Requirements include 2 years signed tax returns AND current lease agreement. Condition remains Seller Comment (2018-11-09): Lease agreement is NOT needed. Tax returns were supplied. Reviewer Comment (2018-11-08): Condition is due to missing lease agreement Seller Comment (2018-11-07): Please review conditions from XXXXX This is also part of that. 12/05/2018     1 A 09/20/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed a Closing Date of XXXXX that did not match the actual date of consummation. The CD was signed and the Security Instrument was notarized on XXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller Closing Disclosure not located in the file.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. Rate Lock not provided.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Newly opened $XXXXX installment loan with XXXXX with $XXXXX monthly payment was not included by Lender in qualifying. Calculated rental income of $XXXXX is lower than Lender's rental Income of $XXXXX. These result in a calculated DTI of XXXXX% that is higher than XXXXX% maximum allowed by Guidelines.   Reviewer Comment (2018-11-06): Upon further review, rental income calculation was $XXXXX and installment debt, XXXXX $XXXXX/month with less than 10 months payment was excluded from ratios. DTI XXXXX%. Condition has been cleared. Seller Comment (2018-11-02): As far rental income calc - I didn't complete income initially - I did per conditions opened was verify pitia which is correct - but from what I can see and I am sure I double checked the calculation on our loan is correct - I entered the PITIA on XXXXX calc so ifi it wrong loanbeam mis calculated As far as the large deposits not being explained and sourced this was my explanation on the 1008 - and attached is the document that is in XXXXX "Large deposits XXXXX on XXXXX and XXXXX on XXXXX sourced with XXXXX acct XXXXX statement dated XXXXX to XXXXX - shows sale of stock on the disbursement account. Openin # of shares was XXXXX and an additional XXXXX were released and borrower sold XXXXX "- The entire emd can be backed out of assets and that leaves XXXXX - ctc on DOT is XXXXX and actual ctc on signed settlement statement was only XXXXXso assets should be sufficient It does appear the new XXXXX loan was included at time of final underwrite attached is my final approval not sure why they think it was not included 11/06/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX% moderately exceeds the guideline maximum of XXXXX%. (DTI Exception is eligible to be regraded with compensating factors.) Newly opened $XXXXX installment loan with XXXXX with $XXXXX monthly payment was not included by Lender in qualifying. Calculated rental income of $XXXXX is lower than Lender's rental Income of $XXXXX. These result in a calculated DTI of XXXXX% that is higher than XXXXX% maximum allowed by Guidelines.   Reviewer Comment (2018-11-06): Upon further review, rental income calculation was $XXXXX and installment debt, XXXXX $XXXXX/month with less than 10 months payment was excluded from ratios. DTI XXXXX%. Condition has been cleared. 11/06/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds XXXXX% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Newly opened $XXXXX installment loan with XXXXX with $XXXXX monthly payment was not included by Lender in qualifying. Calculated rental income of $XXXXX is lower than Lender's rental Income of $XXXXX. These result in a calculated DTI of XXXXX% that is higher than XXXXX% maximum allowed by Guidelines.   Reviewer Comment (2018-11-06): Upon further review, rental income calculation was $XXXXX and installment debt, XXXXX $XXXXX/month with less than 10 months payment was excluded from ratios. DTI XXXXX%. Condition has been cleared. 11/06/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: All conditions were not met   1) Explanation and source of $XXXXX deposited to XXXXX #XXXXX on XXXXX not provided. 2) Explanation and source of $XXXXX deposited to XXXXX #XXXXX on XXXXX not provided. 3) $XXXXX EM Deposits reported on Final CD, however, only $XXXXX has been documented. Documentation of additional $XXXXX EM deposit not provided.   Reviewer Comment (2018-11-12): Upon further review, source of 2 large deposits were provided in file. XXXXX statement was provided reflecting sale of stock in the amount of $XXXXX and $XXXXX. Per final 1008, additional $XXXXX EMD was not yet cleared as of last statement provided, therefore only $XXXXX was entered into system. Condition has been cleared. Seller Comment (2018-11-09): Please refer to page 2 of the 1008 to clear condition. Thank you 11/12/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Loan Package Documentation Application / Processing Missing Document: Fraud Report not provided       Reviewer Comment (2018-12-10): Not required within the review scope 12/10/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831939 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Newly opened $XXXXX installment loan with XXXXX with $XXXXX monthly payment was not included by Lender in qualifying. Calculated rental income of $XXXXX is lower than Lender's rental Income of $XXXXX. These result in a calculated DTI of XXXXX% that is higher than XXXXX% maximum allowed by Guidelines.   Reviewer Comment (2018-11-08): Upon further review, rental income calculation was $XXXXX and installment debt, XXXXX $XXXXX/month with less than 10 months payment was excluded from ratios. DTI XXXXX%. Condition has been cleared. Seller Comment (2018-11-07): Please review conditions that were cleared on XXXXX. This is part of them. 11/08/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
204831941 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/18/2018 MA Primary Purchase   C A A A B A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831941 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) All sellers fees accounted for.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/18/2018 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A B A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831942 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Final CD reflects escrowed property costs over Year 1 of $XXXXX. Calculated amount is $XXXXX.. Variance is due to property taxes. Lender used $XXXXX/mo, review used $XXXXX. Post close CD issued on XXXXX reflects correct amount, but letter to borrower regarding change is not evidenced in loan file.   Reviewer Comment (2018-11-15): Letter of Explanation & Corrected Closing Disclosure XXXXX was provided in the trailing docs and reflects correct amount. Condition has been cleared. 11/15/2018     1 A 09/18/2018 CA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831942 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1XXXXX) Final CD reflects escrow payment of $XXXXX/mo. Calculated amount is $XXXXX/mo. Variance is due to property taxes. Lender used $XXXXX/mo, review used $XXXXX. Post close CD issued on XXXXX reflects correct amount, but letter to borrower regarding change is not evidenced in loan file.   Reviewer Comment (2018-11-15): Letter of Explanation & Corrected Closing Disclosure XXXXX was provided in the trailing docs and reflects correct amount. Condition has been cleared. 11/15/2018     1 A 09/18/2018 CA Primary Refinance - Limited Cash-out GSE TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831942 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1XXXXX) Final CD reflects estimated total monthly payment of $XXXXX. Calculated amount is $XXXXX. Variance is due to property taxes. Lender used $XXXXX/mo, review used $XXXXX. Post close CD issued on XXXXX reflects correct amount, but letter to borrower regarding change is not evidenced in loan file.   Reviewer Comment (2018-11-15): Letter of Explanation & Corrected Closing Disclosure XXXXX was provided in the trailing docs and reflects correct amount. Condition has been cleared. 11/15/2018     1 A 09/18/2018 CA Primary Refinance - Limited Cash-out GSE TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831942 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Final/XXXXX) Final CD, Section F, line 4, does not reflect number of months.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/18/2018 CA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831942 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Credit Loan Package Documentation Application / Processing Missing Document: Bankruptcy Documents not provided   Bankruptcy documents not evidenced in loan file.   Reviewer Comment (2018-11-05): Upon further review both credit report and XXXXX reflect XXXXX date of XXXXX which is 5.32 years prior. Condition has been cleared. Seller Comment (2018-10-31): We would like to ask that this condition be waived - The Credit Report provides a XXXXX and the XXXXX is not asking for XXXXX papers. We are not trying to document/confirm an account was included, or any other reason for XXXXX papers to be provided. 11/05/2018     1 A 09/18/2018 CA Primary Refinance - Limited Cash-out GSE   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831942 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   The variance in the DTI is due to the correction of the monthly taxes which increased from XXXXX to XXXXX per month.   Reviewer Comment (2018-11-05): Updated XXXXX reflecting XXXXX at XXXXX%. Condition has been cleared. 11/05/2018     1 A 09/18/2018 CA Primary Refinance - Limited Cash-out GSE   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831942 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Borrower signed three day waiver on XXXXX. Proof that borrower received a copy of the appraisal is not evidenced in loan file.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/18/2018 CA Primary Refinance - Limited Cash-out GSE   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831943 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/12/2018 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831943 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXXnot accurate. (Final/XXXXX) Calculated property costs over year 1 $$XXXXX ($XXXXX insurance + $XXXXX tax). Final CD reflects $XXXXX which includes an incorrect hazard premium of $XXXXX (total premium per evidence of insurance is $XXXXX).   Reviewer Comment (2018-11-27): Received verification of hazard insurance premium totaling $XXXXX annually. Issue cleared. Reviewer Comment (2018-11-08): Calculated property costs over year 1 $XXXXX ($XXXXX insurance + $XXXXX tax). Final CD reflects $XXXXX which includes an incorrect hazard premium of $XXXXX (total premium per evidence of insurance is $XXXXX). Seller Comment (2018-11-05): Please see attached tax certification showing the tax rate used. Seller Comment (2018-11-01): Would you please advise what you show should be the amount of escrowed property over 1 year? Please also let us know how came up with that. 11/27/2018     1 A 09/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831943 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Note date XXXXX, signature dates XXXXX   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831943 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/XXXXX) Escrow payment shows less than the 1.25% required in XXXXX.   Reviewer Comment (2018-11-27): Received verification of hazard insurance premium totaling $XXXXX annually. Issue cleared. Reviewer Comment (2018-11-08): Calculated property costs over year 1 $XXXXX ($XXXXX insurance + $XXXXX tax). Final CD reflects $XXXXX which includes an incorrect hazard premium of $XXXXX (total premium per evidence of insurance is $XXXXX). Seller Comment (2018-11-05): Please see attached tax certification showing the tax rate used. 11/27/2018     1 A 09/12/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831943 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/XXXXX) Escrow payment is incorrect, does not match the 1.25% use.   Reviewer Comment (2018-11-27): Received verification of hazard insurance premium totaling $XXXXX annually. Issue cleared. Reviewer Comment (2018-11-16): PCCD XXXXX was provided in the trailing docs with corrected monthly escrow however cover letter/letter of explanation and proof of delivery to borrower was not provided. Condition remains. Seller Comment (2018-11-16): Please see attached new hazard insurance dec page Reviewer Comment (2018-11-08): Calculated property costs over year 1 $XXXXX ($XXXXX insurance + $XXXXX tax). Final CD reflects $XXXXX which includes an incorrect hazard premium of $XXXXX (total premium per evidence of insurance is $XXXXX). Seller Comment (2018-11-05): Please see attached tax certification showing the tax rate used. 11/27/2018     1 A 09/12/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831943 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Cash To Close TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (Final/XXXXX) Seller cash to close figures don't match..   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831943 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) No figure provided.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831943 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller Value - Closing Costs Paid Before Closing TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed a Final value of Closing Costs Paid Before Closing that does not match the Subtotal of fees paid before closing. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed a Final value of Closing Costs Paid Before Closing that does not match the Subtotal of fees paid before closing.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831943 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Not provided   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/12/2018 CA Primary Purchase No Defined Cure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831943 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) All fees were verified on the seller CD. Figures on Seller CD and on Borrowers' CD do not match.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831944 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The CD dated XXXXX is consistent with the notary date.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831944 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) The seller's CD disclosed fees paid by seller that are not reflected on the final CD. Need post close CD.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/25/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
204831945 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX     Reviewer Comment (2018-11-05): VVOE XXXXX was provided in the trailing docs. Condition has been cleared. Reviewer Comment (2018-10-29): Client uploaded paystub and W2 however exception is asking for VVOE. Issue remains. 11/05/2018     1 A 09/20/2018 CA Primary Refinance - Limited Cash-out GSE   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831946 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX)     Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/29/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831946 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on XXXXX 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 Inital CD provided an APR of XXXXX%, however, final CD provided APR of XXXXX%.   Reviewer Comment (2018-11-06): CD XXXXX was provided in the trailing docs and reflects CD was electronically provided and reviewed by borrower XXXXX which is 3 days prior to closing XXXXX. Condition has been cleared. Seller Comment (2018-10-31): Sorry, here is the CD he esigned on XXXXX and 3 business days later signed the final one on XXXXX 11/06/2018     1 A 09/29/2018 CA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831946 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) Borrower's CD provided seller fees in the amount of $XXXXX, however, the Seller's CD provided an amount of $XXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/29/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831947 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) The Final Closing Disclosure does not disclose the total amount by which the closing costs exceeded the legal limit.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Insurance Insurance Analysis Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.   HOI dec page does not show a mortgagee   Reviewer Comment (2018-11-05): Update evidence of insurance provided in the trailing docs reflects mortgagee clause. Condition has been cleared. 11/05/2018     1 A 09/28/2018 OK Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX). (XXXXX/Partnership)     Reviewer Comment (2018-11-12): Loan file contains XXXXXand XXXXX business returns and XXXXX and XXXXX personal returns as the consumer filed an extension. Exception cleared. Reviewer Comment (2018-11-07): XXXXX not met, most recent 1040 return not in file, XXXXX extension was provided. Buyer to address if condition is to be waived. Reviewer Comment (2018-11-05): XXXXX not met, most recent 1040 return not in file, XXXXX extension was provided. Buyer to address if condition is to be waived. 11/12/2018     1 A 09/28/2018 OK Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX). (XXXXX/Schedule C)     Reviewer Comment (2018-11-14): Balance sheet provided Seller Comment (2018-11-14): Hi. Balance sheet for Schedule C is signed and dated on page 2. Please clear this condition. Reviewer Comment (2018-11-13): Balance sheets were re-uploaded for 1065 XXXXX and 1065 XXXXX. Balance Sheet for XXXXXwas not provided. Seller Comment (2018-11-12): All balance sheets uploaded. Please advise if those cure. Thank you. Reviewer Comment (2018-11-07): Balance sheet was not provided. Condition remains. Seller Comment (2018-11-07): Hi, our HOI is now updated. Our system rounds up on the monthly payment so the estimated escrows on page 4 reads $XXXXX. Thank you. Reviewer Comment (2018-11-05): Balance sheet was not provided. Condition remains. 11/14/2018     1 A 09/28/2018 OK Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - Schedule C Ability to Repay (Dodd-Frank 2014): Unable to verify XXXXX income using reasonably reliable third-party records. (XXXXX/Schedule C) Most recent signed 1040s not provided, XXXXX extension in file.   Reviewer Comment (2018-11-08): Upon further review documentation in file sufficient. Exception cleared. Seller Comment (2018-11-07): Hi, our HOI is now updated. Our system rounds up on the monthly payment so the estimated escrows on page 4 reads $XXXXX. Thank you. Reviewer Comment (2018-11-07): XXXXX not met, most recent 1040 return not in file, XXXXX extension was provided. Buyer to address if condition is to be waived. 11/08/2018     1 A 09/28/2018 OK Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Due to missing income documentation.   Reviewer Comment (2018-11-08): Upon further review documentation in file sufficient. Exception cleared. 11/08/2018     1 A 09/28/2018 OK Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Due to missing income documentation.   Reviewer Comment (2018-11-16): Balance sheet for Schedule C was provide in the trailing docs. Condition has been cleared. Seller Comment (2018-11-15): Hi. We uploaded all balance sheets and those conditions were cleared. May we please have this condition cleared as well since it's tied to the others? Thank you. Reviewer Comment (2018-11-12): Updated from: XXXXX (XXXXX): Originator Loan Designation of XXXXX does not match Due Diligence Loan Designation of XXXXX. Exception is due to missing Balance sheet on borrower's XXXXX. Reviewer Comment (2018-11-07): XXXXX not met, most recent 1040 return not in file, XXXXX extension was provided. Buyer to address if condition is to be waived. Seller Comment (2018-10-31): Please disregard first upload. 11/16/2018     1 A 09/28/2018 OK Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXXdisclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) CD dated XXXXX reflects the incorrect annual premium of $XXXXX. This fee includes a $XXXXXfee if not paid in full, which is being collected on the CD. The $XXXXX monthly amount is entered correctly for annual premium of $XXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/28/2018 OK Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX/XXXXX)     Reviewer Comment (2018-11-20): Client elects to waive. Reviewer Comment (2018-11-14): The tax extension is provided for the 1040 XXXXX income. The XXXXX returns provided are XXXXX,XXXXX. 2018 does not have an extension but are typically good to XXXXX and is after the application date.     11/20/2018 2 B 09/28/2018 OK Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 10/26/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX/XXXXX) An Extension was provided for Borrower's personal Tax Return for XXXXX..   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/28/2018 OK Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 11/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Updated evidence of insurance provided reflects a yearly premium of $XXXXX. Calculated escrowed costs over year 1 is $XXXXX and CD reflects $XXXXX.   Reviewer Comment (2018-11-13): Letter of Explanation & Corrected Closing Disclosure was provided in the trailing docs. Condition has been cleared. Reviewer Comment (2018-11-09): PCCD XXXXX was provided in the trailing docs however coverletter and proof of delivery to borrower was not provided. Seller Comment (2018-11-07): Hi, our HOI is now updated. Our system rounds up on the monthly payment so the estimated escrows on page 4 reads $XXXXX. Thank you. 11/13/2018     1 A 09/28/2018 OK Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 11/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/XXXXX) Updated evidence of insurance provided reflects a yearly premium of $XXXXXfor a monthly escrow of $XXXXX. CD reflects $XXXXX   Reviewer Comment (2018-11-15): Letter of Explanation, Proof of Delivery, Corrected CD XXXXX was provided in the trailing docs reflecting corrected monthly hazard escrow of $XXXXX and total escrow payment of $XXXXX. Condition has been cleared. 11/15/2018     1 A 09/28/2018 OK Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 11/05/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/XXXXX) Updated evidence of insurance provided reflects a yearly premium of $XXXXX for a monthly escrow of $XXXXX. CD reflects $XXXXX   Reviewer Comment (2018-11-15): Letter of Explanation, Proof of Delivery, Corrected CD XXXXX was provided in the trailing docs reflecting corrected monthly hazard escrow of $XXXXX and total escrow payment of $XXXXX. Condition has been cleared. 11/15/2018     1 A 09/28/2018 OK Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 11/08/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX/XXXXX) Missing XXXXX personal returns.   Reviewer Comment (2018-11-20): Client elects to waive. Reviewer Comment (2018-11-19): File contains XXXXX/XXXXX personal returns with a XXXXX personal extension in file.     11/20/2018 2 B 09/28/2018 OK Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831948 [Redacted] [Redacted] [Redacted] [Redacted] 11/08/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX/XXXXX) Missing XXXXX personal returns.   Reviewer Comment (2018-11-20): Client elects to waive. Reviewer Comment (2018-11-19): File contains XXXXX/XXXXX personal returns with a XXXXX personal extension in file.     11/20/2018 2 B 09/28/2018 OK Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831949 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided   Tax certs are for XXXXX. Unable to locate a tax cert for XXXXX, used the 1008 to set amount.   Reviewer Comment (2018-11-13): XXXXX millage rate of 1% used per XXXXX treasury division provided. Lender used this amount to estimate and disclosed accurately. Exception cleared. Seller Comment (2018-11-12): There is no way to know the MIL since it comes out XXXXX. Also, the assessed value is determined by the assessor's office. This is XXXXX, so there is no way for us to know the exact amount. We used the purchase price x 1% to be more conservative. Please clear. Reviewer Comment (2018-11-09): Tax calculation along with supporting documentation reflecting tax rate/milleage rate was not provided. Seller Comment (2018-11-07): UW used 1% of the subject property sales price to calculate the taxes on this XXXXX townhome purchase. The tax cert provided for XXXXX is for the entire property (prior to subdivision). Please review and clear the condition Reviewer Comment (2018-11-05): Tax cert was uploaded for incorrect property XXXXX. Tax verification for XXXXX is still missing. Condition remains. 11/13/2018     1 A 09/18/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831949 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage short by $XXXXX. Missing cost estimator from insurer.   Reviewer Comment (2018-11-08): Replacement cost estimator was provided in the trailing docs and reflects estimated reconstruction cost of $XXXXX. Dwelling coverage of $XXXXX with 50% extended coverage ($XXXXX). Condition has been cleared. Reviewer Comment (2018-11-05): Appraisal reflects estimated cost new $XXXXX. Dwelling coverage of $243K + 50% extended $121,500 = $364,500. Coverage short by $9,967. Please provide insurer replacement cost estimator. Seller Comment (2018-10-31): Please see additional replacement cost on page 2 11/08/2018     1 A 09/18/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831949 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Guideline Guideline Issue Aged document: Primary Valuation is older than guidelines permit Valuation Type: Appraisal / Valuation Report Date: XXXXX ___ Appraisal effective date is XXXXX and Note is dated XXXXX.   Reviewer Comment (2018-11-12): Upon further review. Appraisal effective date XXXXX reflects age of appraisal at 119 days. Appraisal valid for 120 days. 1004D provided. Condition has been cleared. Seller Comment (2018-11-12): The 1004D was provided to show the property construction was completed. The appraisal is good for up to 120 days from closing. The appraisal was 119 days at time of closing, so we do not need to get an update, which means the top doesn't need to be completed. Please clear and if you still disagree, please have your supervisor email me. xxxxxxx Reviewer Comment (2018-11-09): The original appraisal was completed subject to AND also aged with an effective date of XXXXX. The top portion should also be completed. Seller Comment (2018-11-08): "The 1004D is been used to satisfy completion work, there we wouldn't need to have the top "Summary of appraisal update report" completed. This 1004D was not for re-cert of value. Please review and clear. Reviewer Comment (2018-11-08): Top part of 1004D was not completed (Summary of appraisal update report). This top portion certifies that there was no drop in value due to appraisal being aged. Appraisal was completed subject to, therefore second portion was completed (certification of completion). This portion only certifies that property/repairs were completed as required, it does not address if there was change in market value. Seller Comment (2018-11-07): Are you referring to page 1 of the 1004 "Summary Appraisal Update Report" section" and/or please clarify what exactly you are looking at? Reviewer Comment (2018-11-05): Certification of completion was re-uploaded in the trailing docs. The summary of appraisal update report was not completed/provided. The 2 are not the same and have different appraiser certifications. Condition remains. 11/12/2018     1 A 09/18/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831949 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Property - Appraisal Appraisal Adjustments Excessive site value noted on appraisal without appraiser comments to justify Valuation Type: Appraisal / Valuation Report Date: XXXXX Excessive site value not commented on by appraiser.   Reviewer Comment (2018-11-05): Upon further review, appraisal in file reflects appraiser comments stating that "site value exceeds 30% due toe relatively low cost to replace the subject when compared to the market value of the subject and similar surrounding properties. This is typical for the market area." Condition has been cleared. 11/05/2018     1 A 09/18/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831949 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Missing Lender Contact information.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/18/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831949 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Due to 0% tolerance violation.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/18/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831949 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XXXXX) There is a $XXXXX doc charge on the final CD that was not on the seller CD.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/18/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831949 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. Insufficient or no cure was provided to the borrower. (XXXXX) Updated per the final CD.   Reviewer Comment (2018-11-08): Loan discount points exceed zero tolerance by $XXXXX. Final CD reflects a cure of $XXXXX. Condition has been cleared. Seller Comment (2018-10-31): Please review the attached LE/COC/CD and provide a break down of the out of tolerance fees as well as the total to cure for this loan 11/08/2018     1 A 09/18/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831950 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX) No evidence provided that borrower received copy of appraisal at least three business days prior to consummation.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/29/2018 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831950 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Disclosure not evidenced in loan file.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/29/2018 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831950 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) TRID non-compliant. Seller paid fees on Seller CD are not consistent with those on Borrower Final CD. Seller CD reflects $XXXXX in seller paid fees. Borrower Final CD reflects $XXXXX in seller paid fees.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/29/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831950 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Credit Note Document Error Missing Documentation: Complete non-subject financing information was not found in file.   Missing verification of monthly PITIA for condo located at XXXXX. Mortgage statement verifying $XXXXX pymt includes taxes and insurance and verification of HOA fee not evidenced in loan file. DTI to be recalculated upon receipt.   Reviewer Comment (2018-10-31): Received verification of PITIA on XXXXX. Recalculated DTI is XXXXX%. Seller Comment (2018-10-30): HOA Reviewer Comment (2018-10-30): Need verification of any HOA associated with rental property. 1003 is not sufficient to cure. Seller Comment (2018-10-30): 1003 showing PITIA for condo XXXXX 10/31/2018     1 A 09/29/2018 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831950 [Redacted] [Redacted] [Redacted] [Redacted] 10/31/2018 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   DTI exceeds guidelines after receipt of PITIA of XXXXX.   Reviewer Comment (2018-11-14): Updated XXXXX approve/eligible provided in the trailing docs at a DTI of XXXXX%. Condition has been cleared. Seller Comment (2018-11-14): updated XXXXX and 1008 Reviewer Comment (2018-11-14): Base income $XXXXX Bi-Weekly is $XXXXX Bonus income $XXXXX as of August and $XXXXX for XXXXX. Using a XXXXX month average is an income of $XXXXX Total income is $XXXXX Debts $XXXXX, REO loss $XXXXX, PITIA $XXXXX Final DTI is XXXXX% and an updated XXXXX is required with the higher DTI as the variance is 3.6% Reviewer Comment (2018-11-12): No new information provided. Compensation statement was re-uploaded in the trailing docs and reflects YTD bonus income of $XXXXX through XXXXX. Average of 2 year + YTD is $XXXXX. DTI XXXXX%. Condition remains. Seller Comment (2018-11-12): bonus calculation Reviewer Comment (2018-11-08): Bonus verification was provided in the trailing docs and reflects YTD bonus income of $XXXXX through XXXXX. Average of 2 year + YTD is $XXXXX. DTI XXXXX%. Condition remains. Seller Comment (2018-11-06): proof of income Reviewer Comment (2018-11-05): Income breakdown was provided in the trailing docs. Lender used $XXXXX/month of bonus income in qualifying however supporting documentation was not provided. The work number current as of XXXXX provided in file reflects bonus income of $XXXXX for XXXXX, $XXXXX for XXXXX and $XXXXX for XXXXX. Condition remains. Seller Comment (2018-10-31): income breakdown 11/14/2018     1 A 09/29/2018 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831951 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing secondary valuation product required for securitization.   Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/17/2018 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831951 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. The Affiliated Business Disclosure was not signed.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/17/2018 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831951 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Closing Disclosure was provided on XXXXX with a closing date of XXXXX, the consummation date was XXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/17/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831951 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed a Finance Charge of $XXXXX that does not match the actual finance charge of $XXXXX for the loan for a variance of $XXXXX which exceeds the limit of $XXXXX for primary residence purchases. The CD includes a fee Title-Other for XXXXX that was paid by the Borrower.   Reviewer Comment (2018-12-03): XXXXX received required documents, exception is cleared. Seller Comment (2018-11-30): Attached is the LOE regarding the transaction mgmt. fee. Seller Comment (2018-11-30): Attached is the updated CD showing the signing fee was a notary fee. Including a copy of the settlement stmt showing it was a notary fee. Reviewer Comment (2018-11-29): Title - Signing Fee was not disclosed as a Notary Fee. Transaction Management Fee (aka Processing Fee) can be omitted from finance charge if the fee was not required by the Lender and is a fee that would be charged on a similar cash buyer transaction. We would accept a letter attesting the above to determine if the fee(s) are permitted to be omitted. Seller Comment (2018-11-28): $895- Origination fee, $67- tax service fee, $10- flood cert fee, $295.88- Pier Diem, $2307.50- settlement, $136-Courier-Mail, $30- Wire transfer, $100- doc prep $62.50- sub-escrow, $10- recording servicing are the fees we have marked as APR�you should not be including the $350 transaction mgt fee and the $250 notary fee, please waive Reviewer Comment (2018-11-27): XXXXX is including: $10 Flood Cert $895 Loan Origination Fee $180 Title - Other ($295.88 Prepaid Interest) $67 Tax Service Fee $100 Title - Courier $350 Title Processing $10 Title - Recording Service Fee $2,307.50 Title - Settlement $250 Title - Signing Fee $62.50 Title -Sub Escrow $45 Title - Wire Seller Comment (2018-11-20): Please provide a breakdown of what fees you are including in the testing Reviewer Comment (2018-11-15): PCCD XXXXX was provided in the trailing docs and reflects a finance charge of $XXXXX. Calculated finance charge was $XXXXX (finance charges included $XXXXX). Variance of $325 Condition remains. Buyer Comment (2018-11-15): Property Inspection - XXXXX wildfires (XXXXX) Reviewer Comment (2018-11-08): PCCD XXXXX was provided in the trailing docs and reflects a finance charge of $XXXXX. Calculated finance charge was $XXXXX (finance charges included $XXXXX). Variance of $325 Condition remains. 12/03/2018     1 A 09/17/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831951 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure provided on XXXXX did not disclose an amount by which the Total Closing Costs exceeded the legal limit.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/17/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831951 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of $XXXXX. (XXXXX) Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed on the initial LE dated XXXXX in the amount of XXXXX   Reviewer Comment (2018-11-14): Valid changed circumstance XXXXX was provide in the trailing docs reflecting a change from escrows to waiving escrows affecting credit. Condition has been cleared. Reviewer Comment (2018-11-08): Changed circumstance was provided in the trailing docs however a valid change was not identified. There was no change in rate and appraisal was sent to borrower XXXXX. Revised CD was not disclosed until XXXXX. Regardless, the COC did not reflect any valid changes. Condition remains. 11/14/2018     1 A 09/17/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831951 [Redacted] [Redacted] [Redacted] [Redacted] 10/17/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) The Seller's final CD total seller paid fee amounts of $XXXXX do not match the value of $XXXXX used for compliance testing. The variance is $XXXXX. The NHD was $46 more on the Consumers Final CD and the Transfer Tax of $905.30 was not on the Consumers Final CD. Also, two courier fees of $60 each brought the total from $80 on the Consumers Final CD, to $120 on the Seller CD.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/17/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831951 [Redacted] [Redacted] [Redacted] [Redacted] 10/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Taxes for XXXXX purchase are calculated using 1.25% of the sales price. There is no tax cert to determine the taxing authority calculations. This alters the cost over a year.   Reviewer Comment (2018-11-08): Lender tax calculation was provided in the trailing docs. Condition has been cleared. 11/08/2018     1 A 09/17/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831952 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.     Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/18/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831952 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXXX) CD issued XXXXX was not signed by borrower and assumed to have been received within 3 business days of closing XXXXX.   Reviewer Comment (2018-10-30): Received proof of delivery and receipt on XXXXX. Seller Comment (2018-10-29): CD TRACKING 10/30/2018     1 A 09/18/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831952 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Credit Property - Appraisal Appraisal Adjustments Excessive site value noted on appraisal without appraiser comments to justify Valuation Type: Appraisal / Valuation Report Date: XXXXX Appraiser explanation/comments were not provided regarding excessive site value noted on appraisal.   Reviewer Comment (2018-10-30): Received appraisal reflecting appraiser comments regardung excessive site value - it is typical for the area, having no effect on marketability. Issue cleared. Seller Comment (2018-10-29): APPRAISAL COMMENTS 10/30/2018     1 A 09/18/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831953 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. The disclosure was not signed by the Borrower.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/22/2018 CA Primary Refinance - Cash-out - Other   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831953 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) The Final CD issued XXXXX based property costs over year 1 on $XXXXX estimated taxes, insurance and assessments, instead of $XXXXX or $XXXXX annualized. The Lender did not include the updated homeowner's insurance premium of $XXXXX per year.   Reviewer Comment (2018-10-31): Lender cured on PCCD dated XXXXX. Seller Comment (2018-10-30): proof of LOE, delivery and pccd Reviewer Comment (2018-10-29): Need LOE and proof of delivery in addition to PCCD to clear. Thanks! Seller Comment (2018-10-26): updated CD   10/31/2018   2 B 09/22/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831954 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure does not list any cost exceeding the legal limit yet the Loan Discount Points increased from $XXXXX to $XXXXX.   Reviewer Comment (2018-10-29): Received proof of valid COC. 10/29/2018     1 A 09/27/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831954 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXXX exceeds tolerance of $XXXXX. Insufficient or no cure was provided to the borrower. (XXXXX) Loan Discount Point fee increase from $XXXXXto $XXXXX without evidence of a valid changed circumstance confirming the borrower requested to increase the discount point fee to keep rate disclosed.   Reviewer Comment (2018-10-29): Received proof of valid COC. 10/29/2018     1 A 09/27/2018 CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831954 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Credit Loan Package Documentation Application / Processing Missing Document: AUS not provided   Missing complete Final XXXXX. Copy of Early Check in file reflects XXXXX Approve/Eligible however Final XXXXX missing to confirm all conditions met.   Reviewer Comment (2018-10-29): Received final XXXXX dated XXXXX. 10/29/2018     1 A 09/27/2018 CO Primary Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831954 [Redacted] [Redacted] [Redacted] [Redacted] 10/27/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXXX) The CD provided XXXXX is not 3 days prior to closing   Reviewer Comment (2018-10-30): Received proof of delivery and receipt on XXXXX. Seller Comment (2018-10-29): initial CD was sent and e-signed same day on XXXXX...XXXXX is 3 business days later, timing met, please advise 10/30/2018     1 A 09/27/2018 CO Primary Purchase No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831954 [Redacted] [Redacted] [Redacted] [Redacted] 10/27/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) The seller paid fees listed on the buyer CD do not match the seller CD   Reviewer Comment (2018-10-31): Client elected to Waive     10/31/2018 1 A 09/27/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831955 [Redacted] [Redacted] [Redacted] [Redacted] 10/20/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   The file is missing a secondary valuation.   Reviewer Comment (2018-11-12): Desktop Review provided. Exception cleared. 11/12/2018     1 A 09/25/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831955 [Redacted] [Redacted] [Redacted] [Redacted] 10/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD has closing date of XXXXX but consummation is XXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831955 [Redacted] [Redacted] [Redacted] [Redacted] 10/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) This is being caused by the rate lock fee that was paid before closing and was not previously disclosed.   Reviewer Comment (2018-10-29): Rate Lock fee of $XXXXX was refunded to Borrower at closing. Fees are within tolerance. Seller Comment (2018-10-29): please see COC uploaded 10/29/2018     1 A 09/25/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831955 [Redacted] [Redacted] [Redacted] [Redacted] 10/20/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure for 0% tolerance violation of $XXXXX not provided.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831955 [Redacted] [Redacted] [Redacted] [Redacted] 10/20/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller's CD reflects total costs of $XXXXX but Borrower's final CD reflects $XXXXX   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831955 [Redacted] [Redacted] [Redacted] [Redacted] 10/20/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of $XXXXX exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XXXXX) Fee not disclosed on Loan Estimate.   Reviewer Comment (2018-10-29): Received proof of valid COC. 10/29/2018     1 A 09/25/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831955 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desk review value was inconclusive.   Reviewer Comment (2018-11-23): Field Review provided with value of $XXXXX, a 0% variance. Exception cleared. 11/23/2018     1 A 09/25/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831956 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Application date XXXXX. ABA dated XXXXX. Evidence of earlier receipt not provided.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831956 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXXnot accurate. (Final/XXXXX) Final CD reflects estimated property costs over year 1 as $XXXXX. Calculated amount is $XXXXX ($XXXXX/mo).   Reviewer Comment (2018-11-13): Letter of Explanation & Corrected Closing Disclosure XXXXX was provided in the trailing docs reflecting $XXXXX. Condition has been cleared. Reviewer Comment (2018-11-09): PCCD XXXXX was provided in the trailing docs along with cover letter however proof of delivery to borrower was not provided. Condition remains. 11/13/2018     1 A 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831956 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD reflects closing date of XXXXX. Loan was consummated onXXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831956 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) Final CD and Seller CD reflect there are no seller paid fees.   Reviewer Comment (2018-11-09): Lender explanation XXXXX provided in the trailing docs reflecting no seller fees, seller pays no fees on new homes. Condition has been cleared. 11/09/2018     1 A 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831956 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. Rate lock not evidenced in loan file.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831956 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Credit Property - Appraisal Appraisal Documentation Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.   Appraisal subject to completion per plans and specs. Subject only 75% complete at inspection. 442 provided states only that water heater and CO2 detector were in place. Does not address completion of subject and no photos are provided.   Reviewer Comment (2018-11-05): Certification of completion provided in the trailing docs. Appraiser has marked "Yes" to indicate improvements have been completed in accordance with the requirement and conditions in the original appraisal report. Pictures were provided. Condition has been cleared. 11/05/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831956 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Disclosure not evidenced in loan file.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831956 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (XXXXX) Final CD does not reflect the Broker's NMLS ID number.   Reviewer Comment (2018-11-13): Letter of Explanation & Corrected Closing Disclosure XXXXX was provided in the trailing docs reflecting broker NMLS ID number. Condition has been cleared. Reviewer Comment (2018-11-09): PCCD XXXXX was provided in the trailing docs along with cover letter however proof of delivery to borrower was not provided. Condition remains. 11/13/2018     1 A 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831956 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Credit Missing Document General One or more of your documents was not signed and dated by the borrower(s).   Final CD issued on XXXXX reflects the borrower's signature with a date of XXXXX. Loan was consummated on XXXXX.   Reviewer Comment (2018-11-23): Final CD is not required to be signed an dated by borrower. Exception cleared. Seller Comment (2018-11-15): Hello - may I get an update - please advise - thank you Reviewer Comment (2018-11-07): Final CD XXXXX was signed by borrower XXXXX. Lender stated that documents were not printed until XXXXX as evidenced by date on bottom of each page of CD. It appears to be a typo as other closing docs were signed XXXXX. Buyer to review and decide to waive. Seller Comment (2018-11-06): Hello Not sure what i can do about the date . At the bottom of t he CD you can see it was printed on XXXXX. what will you accept - thanks 11/23/2018     1 A 09/20/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831957 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 10/01/2018 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831957 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Collateral Underwriter Score is XXXXX.   Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 10/01/2018 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831957 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. The LO Compensation Disclosure is not included in the file.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 10/01/2018 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831957 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The Final Closing Disclosure reflects a Closing Date of XXXXX and is signed on XXXXX. The Note is dated XXXXX. The Security Instrument is dated XXXXX, however is notarized on XXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 10/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831957 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) Seller Paid Fees are not reflected on the Borrowers Final Closing Disclosure, and the Seller Closing Disclosure is not included in the file.   Reviewer Comment (2018-11-15): Final Seller CD was provided in the trailing docs and reflects $XXXXX seller fees which matches consumer CD. Condition has been cleared. 11/15/2018     1 A 10/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831957 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) The annual HOI is $XXXXX, taxes $XXXXX and HOA $XXXXX for a total of $XXXXX. $XXXXX represents 11 months of non-escrowed property costs.   Reviewer Comment (2018-10-31): Lender cured on PCCD dated XXXXX.   10/31/2018   2 B 10/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831957 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance High Cost Indicator Test Loan does not exceed any high cost thresholds, however, documentation indicating loan was originated as a high cost loan found in file. The Compliance Report indicates high cost.   Reviewer Comment (2018-11-16): Compliance report indicates not a high cost loan. Exception cleared. 11/16/2018     1 A 10/01/2018 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831957 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Invalid Section A Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on XXXXX reflects a Paid To party other than to lender or broker for fee within Origination Charges. (Final/XXXXX) The Broker is an Affiliated Business with the Lender.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 10/01/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831958 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.     Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831958 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Due to QM Points and Fees fail   Reviewer Comment (2018-11-07): Rate, points and fees worksheet was provided in the trailing docs and reflects a PAR rate of XXXXX% and a note rate of XXXXX% rate with XXXXX% bonafide discount points. Condition has been cleared. 11/07/2018     1 A 09/25/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831958 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXXXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXXXX or .XXXXX). $XXXXX Fees exceed maximum threshold of $XXXXX.   Reviewer Comment (2018-11-07): Rate, points and fees worksheet was provided in the trailing docs and reflects a PAR rate of XXXXX% and a note rate of XXXXX% rate with XXXXX% bonafide discount points. Condition has been cleared. Reviewer Comment (2018-11-05): Loan Originator Compensation paid by a creditor to broker is to be included in points and fees testing per 12 CFR 1026.43 (e)(3). Provide rate, point and fee worksheet to evidence undiscounted rate and any bona fide points to be excluded. Exception remains. Seller Comment (2018-11-02): The borrower was only charged $XXXXX in Points. The Lender Paid Broker Comp is not a borrower charge, it is paid from the lender to the broker. The Rate Lock fee is not included as it was returned to the borrower on Page 3 of the CD 11/07/2018     1 A 09/25/2018 CA Primary Purchase If a creditor or assignee determines after consummation that the total points and fees exceeds the 3% limit, but the loan meets the other requirements to be a QM, the excess amount can be refunded, including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) The refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments). The lender will also be required to provide a copy of the refund check and proof of delivery. C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831958 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) Final CD reflects $XXXXX while actual Finance Charge is $XXXXX.   Reviewer Comment (2018-11-08): Upon further review, rate lock fee $XXXXX was credited back to the borrower on page 3 of the Final CD and therefore not included in finance charge. Condition has been cleared. Seller Comment (2018-11-02): The Rate Lock Fee is not included in the Finance Charge since it was returned to the borrower on Page 3 of the CD 11/08/2018     1 A 09/25/2018 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831958 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) No seller CD in file.   Reviewer Comment (2018-11-07): Seller CD was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-02): Seller CD 11/07/2018     1 A 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831958 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831958 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount ofXXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7200) Missing valid COC for increase.   Reviewer Comment (2018-11-07): Valid changed circumstance XXXXX was provided in the trailing docs reflecting float to lock with discount points of $XXXXX. Condition has been cleared. Seller Comment (2018-11-02): LE and COC for Discount Points 11/07/2018     1 A 09/25/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831958 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7335) Missing valid COC for increase.   Reviewer Comment (2018-11-07): Valid changed circumstance XXXXXwas provided in the trailing docs reflecting float to lock with rate lock fee of $XXXXX. Condition has been cleared. Seller Comment (2018-11-02): The Rate Lock Fee was returned to the borrower on page 3 of the CD 11/07/2018     1 A 09/25/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831958 [Redacted] [Redacted] [Redacted] [Redacted] 11/07/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Consumer CD did not reflect any seller paid fees   Reviewer Comment (2018-11-17): Client elects to waive.     11/17/2018 1 A 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831959 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Only one validation provided.   Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/24/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831959 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided onXXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The Final Closing Disclosure provided on XXXXX disclosed XXXXX as the closing date; Notary date is XXXXX   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/24/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831959 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2; a seller credit was disclosed on page 3. An Seller CD or an itemization of the Seller paid fees was not provided.   Reviewer Comment (2018-11-12): Seller CD was provided. Both consumer and seller CD reflect $XXXXX seller fees. Condition has been cleared. Reviewer Comment (2018-11-07): Seller CD was not provided and Consumer CD did not reflect any seller fees. Condition remains. Seller Comment (2018-11-02): Please see attached Final Settlement Fees paid by the Seller. 11/12/2018     1 A 09/24/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831960 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) CD date matches all docs but borrowers did not sign untilXXXXX   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831960 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Summaries Of Transactions - Deposit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on XXXXX disclosed a Deposit that does not match the Deposit from the Calculating Cash to Close table. (Final/XXXXX) Additional deposit of XXXXX is not shown in calculating cash to close section   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831960 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) Notary fee is the difference, shown on consumer CD pd at closing in amount of XXXXX, the seller CD shows XXXXX   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831960 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desk Review is inconclusive.   Reviewer Comment (2018-11-23): Field Review provided with value of $XXXXX a -0.24% variance. Exception cleared. 11/23/2018     1 A 09/25/2018 CA Primary Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831962 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831962 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/XXXXX) Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information   Reviewer Comment (2018-11-07): PCCD XXXXX was provided in the trailing docs along with proof of delivery to borrower reflecting broker NMLS information. Condition has been cleared. 11/07/2018     1 A 09/25/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831962 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitialXXXXX) Evidence of earlier borrower receipt was not found in the file.   Reviewer Comment (2018-11-13): CD XXXXX was provided in the trailing docs reflecting borrower's signature date of XXXXX which is 3 days prior to closing date XXXXX. Condition has been cleared. Seller Comment (2018-11-12): Signed CD attached Reviewer Comment (2018-11-12): Borrower was sent initial CD on XXXXX, however it does not show that borrower acknowledged receipt or ever viewed the initial CD. Disclosure tracking also utilized mailbox rule of XXXXX as received date. Exception remains. Seller Comment (2018-11-07): We are an XXXXX lender and the borrower did the eConsent on XXXXX which is on the disclosure tracking. Please review and clear the condition. Reviewer Comment (2018-11-07): Electronic tracking provided shows the CD dated XXXXX was sent to borrower on XXXXX, however was never viewed. Mailbox rule applied and received date of XXXXX used. Exception remains. 11/13/2018     1 A 09/25/2018 OR Primary Purchase No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831962 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/25/2018 OR Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
204831962 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/25/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
204831963 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure for various 10% tolerance violations XXXXX was not provided.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/19/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831963 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller paid fees on the buyers Closing Disclosure is XXXXX; seller paid fees on the sellers Closing Disclosure is XXXXX Seller paid fees not listed on the borrowers Final CD, Record POA ofXXXXX City Tax of XXXXX and Open Water of XXXXX   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/19/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831963 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus 10% or XXXXX. Insufficient or no cure was provided to the borrower. (0) Final CD reflects an increase in fees subject to 10% variance: Binding LE dated XXXXX discloses the following fee subject to 10% variance: XXXXX Recording fee and XXXXX Title - Settlement. Final Closing Disclosure includes the following fee subject to 10% variance: XXXXX Recording Fee and XXXXX Title - Settlement (XXXXX POA fee was paid by Seller ). This is a XXXXX increase from binding amounts (XXXXX above 10% threshold).   Reviewer Comment (2018-10-30): $100 closing and $75 POA recording fee are seller paid fees and not subject to tolerance. Borrower fees within tolerance - Issue cleared. Seller Comment (2018-10-29): Please see final CD - title settlement fee did not change since last LE - both fee's are $1000. I don't see a tolerance issue 10/30/2018     1 A 09/19/2018 NY Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831963 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Per overlays; Closing Protection Letter is required for all transaction; copy not provided in file.   Reviewer Comment (2018-10-29): CPL not applicable or properties located in XXXXX. Issue cleared, Seller Comment (2018-10-29): property is located in the state of XXXXX and they do not have CPL's 10/29/2018     1 A 09/19/2018 NY Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831964 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Credit Insurance Insurance Documentation Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance.   The HOI page is blank and not view-able. Please provide a copy of the HOI dec page for the subject property to view the coverage, effective date and premium amount.   Reviewer Comment (2018-10-30): Received legible copy of hazard insurance policy 10/30/2018     1 A 09/21/2018 NJ Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831964 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount due to Buyers selected vendor and Transfer Taxes.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831964 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX) Seller's final CD total seller paid fee amounts do not match the values used for compliance testing.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/21/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831964 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7723) Buyer selected vendor's Survey Fee of XXXXX not disclosed on LE.   Reviewer Comment (2018-11-06): PCCD XXXXX was provided in the trailing docs and reflects optional survey fee in Section H of CD which is not subject to tolerance calculations. Condition has been cleared. Reviewer Comment (2018-10-30): If fee was not required, please provide PCCD reflecting fee in section H, along with LOE and proof of delivery to clear. Seller Comment (2018-10-30): Hello - The Survey was not required by XXXXX as lender or the closing agent/title company to close the loan. The borrower chose to have a survey done of their own accord. For this reason, the fee is not subject to tolerance limits. Would you please review and clear? Thanks! 11/06/2018     1 A 09/21/2018 NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831964 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX) No signed document in file verifying borrower's receipt of appraisal.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 NJ Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831965 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) The file contained documentation verifying the borrower received a copy of the appraisal on XXXXXhich is prior to the revised appraisal date of XXXXX Provide documentation verifying the borrower received a copy of the updated appraisal.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 NJ Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831965 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) Cure for Survey Fee of XXXXX was not provided.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831965 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) 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 XXXXX in seller paid closing costs, borrower's final CD shows XXXXX (the difference is the home warranty fee paid at closing by seller XXXXX and the XXXXX taxes paid before closing by seller for XXXXX). Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/21/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831965 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. (7723) Fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-11-14): Upon further review, letter of explanation and corrected CD was provided reflecting optional survey fee in section H of CD. Condition has been cleared Seller Comment (2018-11-13): We do not have this. only required when a refund is being given.. Please escalate to management Reviewer Comment (2018-11-12): Proof of delivery to borrower by mail would be the shipping/mailing label. Seller Comment (2018-11-09): We send Revised Closing Disclosures that do not require a refund through regular mail, there is no tracking for this. Thank you Reviewer Comment (2018-11-09): PCCD XXXXX was provided in the trailing docs and reflects Survey Fee in Section H of CD. Cover letter provided however proof of delivery to borrower was not provided. Condition remains. Reviewer Comment (2018-10-30): If survey was not required, fee should be reflected in section H. Please provide PCCD, LOE and proof of delivery to cure. Seller Comment (2018-10-29): Survey was not required, Borrower chose this. 11/14/2018     1 A 09/21/2018 NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831966 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/25/2018 CA Primary Refinance - Cash-out - Other   C A A A C A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831966 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXXX) The Final Closing Disclosure is issued on XXXXX and the closing date is also XXXXX   Reviewer Comment (2018-10-29): Received signed initial CD dated XXXXX. 10/29/2018     1 A 09/25/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C A A A C A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831967 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) The Final CD issued XXXXX disclosed seller paid fees totaling XXXXX, while the Seller CD reflected XXXXX total fees paid.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/17/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A A A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831969 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/21/2018 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831969 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) There is nothing in the file to indicate when the appraisal was given to the borrower.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831969 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) The total closing costs exceeded the legal limit by XXXXX   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831969 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller disclosure was not found   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831969 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (75155) The cost of cure of the Pest Inspection fee of XXXXX exceeding the tolerance ofXXXXX was not provided to the borrower.   Reviewer Comment (2018-11-15): Upon further review, Pest Inspection was disclosed on LE in the amount of $XXXXX. Condition has been cleared. Buyer Comment (2018-11-15): Property Inspection - XXXXX wildfires (XXXXX) Seller Comment (2018-11-14): The Pest Inspection was disclosed on the Written List of Settlement Service Providers. The borrower selected a provider other than the one that was disclosed so it is not bound to the Zero Tolerance. 11/15/2018     1 A 09/21/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831970 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance Part-Time Two Year History Qualified Mortgage (Dodd-Frank 2014): Use of Part-Time income for less than two (2) years not justified or documented. (XXXXX) The part time income is IRA distribution and is distributed unscheduled or as needed.   Reviewer Comment (2018-11-26): Lender used XXXXX to qualify. Documents receipt for previous 2 years, and YTD. Documented Also included XXXXX History from XXXXXto YTD. Reviewer Comment (2018-11-07): Complete vesting schedule was not provided. 11/26/2018     1 A 09/27/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831970 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) Appraisal report date reflects XXXXX after note/notary date XXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/27/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831970 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.     Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/27/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831970 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.   Reviewer Comment (2018-11-26): Lender used XXXXX to qualify. Documents receipt for previous 2 years, and YTD. Documented Also included XXXXX History from XXXXXto YTD. 11/26/2018     1 A 09/27/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831970 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (FinalXXXXX) TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (FinalXXXXX)   Reviewer Comment (2018-11-08): PCCD XXXXX was provided in the trailing docs and reflects broker NMLS information. Proof of electronic delivery to borrower was also provided. Condition has been cleared. Seller Comment (2018-11-05): Attached 11/08/2018     1 A 09/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831970 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (FinalXXXXX)   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831970 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX)   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
204831970 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desk Review is inconclusive.   Reviewer Comment (2018-11-28): 2055 Appraisal provided with value of $XXXXX, a 0% variance. Exception cleared. 11/28/2018     1 A 09/27/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
204831971 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Only one valuation in file.   Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/24/2018 IL Primary Refinance - Rate/Term   C A C A A A C A Safe Harbor QM Safe Harbor QM No
204831971 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX     Reviewer Comment (2018-10-31): Received Borrower's XXXXX and XXXXX W2's. 10/31/2018     1 A 09/24/2018 IL Primary Refinance - Rate/Term   C A C A A A C A Safe Harbor QM Safe Harbor QM No
204831972 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX AND XXXXX IRS Tax transcripts for XXXXX and XXXXX not provided as required by xxxx overlay and third party verification for B2 self employment as required by XXXXX   Reviewer Comment (2018-11-06): XXXXX, XXXXX tax transcripts were provided for borrowers in the trailing docs. B2 third party verification is not needed. Income was not used from business and loss reflected from XXXXX schedule C was deducted from qualifying income. Condition has been cleared. Seller Comment (2018-11-05): In regards to the third party verification for B2 XXXXX. Since both business had filed a loss and we deducted the loss from borrowers income to qualify - can you explain why the business license is required? I can see if being required if we had a positive income and we used the positive income to qualify the borrower. Seller Comment (2018-11-02): Attached are the Transcripts for your review. We are working on the third party verification 11/06/2018     1 A 09/26/2018 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831972 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided onXXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX) Final CD number of months HOA dues paid in Section F is blank.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831972 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller CD not provided in file.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831973 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX). (XXXXX) Partnership started XXXXX CPA letter states no income filed in XXXXX. Used 2 yr avg conservatively.   Reviewer Comment (2018-11-17): Income from Partnership is positive and not needed to qualify. Exception cleared. Reviewer Comment (2018-11-07): XXXXX not met, XXXXX 1065 tax return not provided. CPA letter states 1065 was not filed and transcripts reflect no record found. Buyer to address if condition is to be waived. 11/17/2018     1 A 09/20/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
204831973 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. This is due income documentation.   Reviewer Comment (2018-11-17): Income from Partnership is positive and not needed to qualify. Exception cleared. Reviewer Comment (2018-11-17): Post Disaster Inspection provided for different exception. Buyer Comment (2018-11-15): Property Inspection - XXXXX wildfires (XXXXX) 11/17/2018     1 A 09/20/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
204831973 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Provide the signed List of Homeownership Counseling Organizations   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
204831973 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Provide the Home Loan Toolkit Disclosure signed by borrowers   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase No Defined Cure C B A B C B A A Safe Harbor QM Safe Harbor QM No
204831973 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure for various XXXXX and XXXXX tolerance violations was not provided. This is due to sellers fees that were not disclosed on initial LE.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
204831973 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller CD not provided.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
204831973 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus 10% or XXXXX. Insufficient or no cure was provided to the borrower. (0) Cure for XXXXX tolerance violation was not provided. This is the sellers fees that were not disclosed on initial LE.   Reviewer Comment (2018-11-08): Per contract escrow/settlement fees are split between buyer and seller. Final CD XXXXX reflects $XXXXX subject to 10% tolerance and PCCD XXXXX reflects $XXXXX which are both within 10% tolerance of $XXXXX which was originally disclosed. Condition has been cleared 11/08/2018     1 A 09/20/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
204831973 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
204831973 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) Proof delivered prior to final report sign off.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
204831973 [Redacted] [Redacted] [Redacted] [Redacted] 11/17/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.     DTI less than required of 43% 80% LTV < 90 guideline max Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-11-29): Client elects to waive. Reviewer Comment (2018-11-17): Post Disaster Inspection provided with a date of XXXXX reflecting no damage, however no disaster end date has been declared. Exception remains.     11/29/2018 2 B 09/20/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaryXXXXX There is an email from the Co-Borrower dated XXXXX acknowledging receipt prior to report date ofXXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX, XXXXX, Borrower:XXXXX Paystubs and W2s need to be provided for both borrowers   Reviewer Comment (2018-10-30): Received paystubs and 2 years W2's for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Missing income documentation to determine DTI.   Reviewer Comment (2018-10-30): Received income documentation for both borrowers. Recalculated DTI is XXXXX%. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Bank statements need to be provided   Reviewer Comment (2018-10-30): Received 2 month asset verification for both borrowers 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance No Income Provided Qualified Mortgage (Dodd-Frank 2014): No income was provided to demonstrate compliance with Appendix Q requirements. Paystubs and W2s need to be provided for both borrowers   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - No Income Provided Ability to Repay (Dodd-Frank 2014): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. Paystubs and W2s need to be provided for both borrowers, as well as assets   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Unable to determine ratios - Paystubs and W2s need to be provided for both borrowers   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. Due to missing income and asset documentation.   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance QM DTI Unable to determine compliance with QM Total Debt Ratio requirements due to missing QM Total Debt Ratio information. Unable to determine ratios - Paystubs and W2s need to be provided for both borrowers   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. (9300) Unable to determine tolerance levels due to missing change of circumstance   Reviewer Comment (2018-11-09): Upon further review, Final CD reflects $XXXXX credit to borrower. Condition has been cleared. Seller Comment (2018-11-06): We gave the Borrower $XXXXX Per page 2 of the Closing Disclosure 11/09/2018     1 A 09/20/2018 NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance Wages Documentation Qualified Mortgage (Dodd-Frank 2014): Wages / W-2 income documentation not sufficient. (XXXXX) Need to provide paystubs and W2s for Co-Borrower   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance Wages Documentation Qualified Mortgage (Dodd-Frank 2014): Wages / W-2 income documentation not sufficient. (XXXXX) Need to provide paystubs and W2s for Borrower   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance Income Data was not provided Income Source and Qualifying Monthly Income Amount are required. (XXXXX) Need to provide paystubs and W2s for Co-Borrower   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance Income Data was not provided Income Source and Qualifying Monthly Income Amount are required. (XXXXXX) Need to provide paystubs and W2s for Borrower   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014): Unable to verify Wages/W-2 income using reasonably reliable third-party records. (XXXXX) Need to provide paystubs and W2s for Co-Borrower   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014): Unable to verify Wages/W-2 income using reasonably reliable third-party records. (XXXXX) Need to provide paystubs and W2s for Borrower   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Need to provide paystubs and W2s for both Borrowers   Reviewer Comment (2018-10-30): Received paystubs, W2"s and asset verification for both borrowers. 10/30/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Closing Costs Exceeds Limits Amount TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided onXXXXX disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Final/XXXXX) Unable to determine tolerance due to missing change of circumstance   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Unable to determine tolerance due to missing change of circumstance   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Borrower Paid Other Costs Total Section J TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (Final/XXXXX) CD reflects XXXXX. Calculated amount should be XXXXX.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Cash To Close TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (Final/XXXXX) Closing Disclosure Final Cash To Close reflects XXXXX. Calculated amount is XXXXX   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/20/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XXXXX8) Seller fees not on consumer CD.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/20/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831974 [Redacted] [Redacted] [Redacted] [Redacted] 10/30/2018 Credit Income / Employment Income Documentation The verbal verification of employment was obtained more than 10 days prior to the note date.   VVOE for Co-borrower was datedXXXXX and note date is XXXXX, which is greater than 10 business days allowed per guidelines.   Reviewer Comment (2018-11-09): VVOE for borrower XXXXX, the work number for co-borrower XXXXX. Condition has been cleared. 11/09/2018     1 A 09/20/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831975 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.     Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/24/2018 CA Primary Refinance - Cash-out - Other   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831975 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. Final CD signed by borrower disclosed the incorrect figures for property taxes in section G for Initial Escrow Payment at closing. A corrected post closing CD was issued with initial escrow setup matching the Initial escrow account statement figures.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/24/2018 CA Primary Refinance - Cash-out - Other   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831975 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Final CD signed by borrower disclosed the incorrect figures for property taxes in section G for Initial Escrow Payment at closing. A corrected post closing CD was issued with initial escrow setup matching the Initial escrow account statement figures.   Reviewer Comment (2018-11-15): Letter of Explanation & Corrected Closing Disclosure XXXXX was provided in the trailing docs. Condition has been cleared. Reviewer Comment (2018-11-14): PCCD XXXXX was provided in the trailing docs with corrected escrows however cover letter and proof of delivery to borrower was not provided. Condition remains. 11/15/2018     1 A 09/24/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831975 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/577538) Final CD signed by borrower disclosed the incorrect figures for property taxes in section G for Initial Escrow Payment at closing. A corrected post closing CD was issued with initial escrow setup matching the Initial escrow account statement figures.   Reviewer Comment (2018-11-15): Letter of Explanation & Corrected Closing Disclosure XXXXX was provided in the trailing docs. Condition has been cleared. Reviewer Comment (2018-11-14): PCCD XXXXX was provided in the trailing docs with corrected escrows however cover letter and proof of delivery to borrower was not provided. Condition remains. 11/15/2018     1 A 09/24/2018 CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831975 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/577538) Final CD signed by borrower disclosed the incorrect figures for property taxes in section G for Initial Escrow Payment at closing, this affected the disclosed estimated total monthly payment. A corrected post closing CD was issued with the correct payment matching the actual total payment for the loan.   Reviewer Comment (2018-11-15): Letter of Explanation & Corrected Closing Disclosure XXXXX was provided in the trailing docs. Condition has been cleared. 11/15/2018     1 A 09/24/2018 CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831976 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Credit Loan Package Documentation Application / Processing Missing Document: Bankruptcy Documents not provided       Reviewer Comment (2018-11-12): Credit report and XXXXX reflects XXXXX was discharged XXXXX which is more than 4 years prior to note date XXXXX. Condition has been cleared. Seller Comment (2018-11-12): The BK was discharged in XXXXX, so there is no reason for the BK paperwork. Please review and clear the condition 11/12/2018     1 A 09/25/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831976 [Redacted] [Redacted] [Redacted] [Redacted] 10/18/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXXX) The initial closing disclosure was not signed and date by the Borrowers'.   Reviewer Comment (2018-11-06): Esign consent was provided in the trailing docs and reflects CD XXXXX was issued and received XXXXX which is 3 days prior to closing. Condition has been cleared. 11/06/2018     1 A 09/25/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831976 [Redacted] [Redacted] [Redacted] [Redacted] 10/22/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.     Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/25/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831976 [Redacted] [Redacted] [Redacted] [Redacted] 11/12/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Appraised value is XXXXX, while Desk Review value is XXXXX. a -XXXXX variance.   Reviewer Comment (2018-11-23): Field Review provided with value of $XXXXX, a -2.88% variance. Exception cleared. 11/23/2018     1 A 09/25/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831977 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy XXXXX: Representative FICO score discrepancy.       Reviewer Comment (2018-11-05): Updated AUS XXXXX was provided in the trailing docs reflects mid FICO of XXXXX from credit report XXXXX. Condition has been cleared. 11/05/2018     1 A 09/21/2018 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
204831977 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage short by XXXXX Hazard coverage is for XXXX. Missing cost estimator from insurer.   Reviewer Comment (2018-11-05): Blanket policy provided. Condition has been cleared. 11/05/2018     1 A 09/21/2018 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
204831977 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-10): Provided 12/10/2018     1 A 09/21/2018 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
204831977 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX)     Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
204831977 [Redacted] [Redacted] [Redacted] [Redacted] 10/19/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The Final CD reflects a closing date of XXXXX. The Security instrument was notarized on XXXXX a day after closing.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
204831977 [Redacted] [Redacted] [Redacted] [Redacted] 10/27/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX Sufficient or excess cure was provided to the borrower at Closing. (8304)         10/27/2018   1 A 09/21/2018 CA Primary Purchase Final CD evidences Cure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Credit Assets Asset Documentation Aged document: Asset Account date is more than 90 days prior to the note. Financial Institution: XXXXX / End Date: XXXXX // Account Type: XXXXX (XXXXX) / Account Number: XXXXX Asset Account Date: ___ Statement found in the file shows a date of XXXXX   Reviewer Comment (2018-11-14): Upon further review, XXXXX loan, assets valid for 120 days. Condition has been cleared. Seller Comment (2018-11-14): Per XXXXX Findings, "all credit documents must be no more than four months old on the note date." Note is dated XXXXX, at which time all documentation was less than four months old. 11/14/2018     1 A 09/21/2018 CA Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) Seller paid fees were not disclosed on Consumer's Final CD at the time of consummation.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/21/2018 CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) Final CD shows XXXXX as the disbursement date.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) The Finance Charge shows and amount of XXXXX   Reviewer Comment (2018-11-29): Rate lock fee $XXXXX was included in finance charge calculation however rate lock fee $XXXXX was refunded to borrower on page 3 of Final CD and not charged to borrower. Condition has been cleared. Seller Comment (2018-11-28): The Rate Lock Fee is not financed as it is returned the borrower on page 3. Reviewer Comment (2018-11-27): $XXXXX Rate Lock fee is causing the variance. Final CD shows this as a deposit on page 3. 11/29/2018     1 A 09/21/2018 CA Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cash to Close on page 3 of the final CD shows an amount of XXXXX   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7568) Final CD Page 2, Line B-6 shows XXXXX   Reviewer Comment (2018-11-27): Borrower was allowed to shop and chose provider listed on SSPL. Fee is within 10% tolerance. Seller Comment (2018-11-26): Title Fees listed in Section B are subject to the 10% Tolerance when the borrower was allowed to shop and selected the Service Provider disclosed to them on the WLSSP. We are within tolerance, please escalate for review. Reviewer Comment (2018-11-16): Fee is listed in section B of CD which is subject to 0% tolerance additionally provider is listed on settlement providers list. Condition remains. Seller Comment (2018-11-16): The Title-Notary Fee is not held to the Zero Tolerance - It is categorized as a 10% Tolerance Fee - The WLSSP discloses XXXXX as the Service Provider and the borrower chose XXXXX. 11/27/2018     1 A 09/21/2018 CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Income Method of Calculation Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. (XXXXX)     Reviewer Comment (2018-11-20): Loan was approved through XXXXX as Approve/Eligible. Exception cleared. Seller Comment (2018-11-14): please elaborate. Income was calculated via Form 1084 equivalent using tax returns covering the most recent one-year period, as required by XXXXX Findings. 11/20/2018     1 A 09/21/2018 CA Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXXXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E)     Reviewer Comment (2018-11-20): Loan was approved through XXXXX as Approve/Eligible. Exception cleared. 11/20/2018     1 A 09/21/2018 CA Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXXXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E)     Reviewer Comment (2018-11-20): Loan was approved through XXXXX as Approve/Eligible. Exception cleared. 11/20/2018     1 A 09/21/2018 CA Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXXXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E)     Reviewer Comment (2018-11-20): Loan was approved through XXXXX as Approve/Eligible. Exception cleared. 11/20/2018     1 A 09/21/2018 CA Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (xxxxx). (xxxxx)     Reviewer Comment (2018-11-20): Loan was approved through XXXXX as Approve/Eligible. Exception cleared. Seller Comment (2018-11-14): Additional screenshot from website showing that business has been in existence for 14 years. 11/20/2018     1 A 09/21/2018 CA Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxxx) Income does not meet QM   Reviewer Comment (2018-11-20): Loan was approved through XXXXX as Approve/Eligible. Exception cleared. Reviewer Comment (2018-11-16): The business license only shows a renew by date. There is no indication when the business started and the loan images only contain a single year tax return for XXXXX so a two year history is not verified. A CPA letter or State of XXXXX confirming inception date is needed. Reviewer Comment (2018-11-15): Internet search was provided in the trailing docs however does not reflect start date.XXXXX business registration certificate is provided in file therefore business registry lookup is available. Please provide XXXXX business entity search reflecting location start date. Condition remains. 11/20/2018     1 A 09/21/2018 CA Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831979 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (xxxxx) does not match Due Diligence Loan Designation of Non QM. Income documentation does not meet QM   Reviewer Comment (2018-11-20): Loan was approved through XXXXX as Approve/Eligible. Exception cleared. 11/20/2018     1 A 09/21/2018 CA Second Home Purchase Lender to provide updated ATR/QM status C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831980 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided       Reviewer Comment (2018-11-14): Final Approval was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-11-14): approval Reviewer Comment (2018-10-31): File was a manual underwrite and AUS provided reflects Approve/Ineligible. 11/14/2018     1 A 09/22/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204831980 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xxxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xxxxx) Final CD reflects closing date of XXXXX. Loan was consummated on XXXXX. Post close CD issued on XXXXX reflects correct closing date, however verification that borrower received copy with explanation is not evidenced in loan file.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/22/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
204831980 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of xxxxx exceeds tolerance of xxxxx Sufficient or excess cure was provided to the borrower at Closing. (8304) Tolerance exceeded for Transfer Tax Fee Amount of XXXXX exceeds tolerance of XXXXXSufficient cure of XXXXXwas provided to the borrower at Closing.       10/23/2018   1 A 09/22/2018 CA Primary Purchase Final CD evidences Cure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
204831980 [Redacted] [Redacted] [Redacted] [Redacted] 10/23/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xxxxx) TRID non-compliant. Seller paid fees on Seller CD are not consistent with those on Borrower Final CD. Seller CD reflects XXXXX in seller paid fees. Borrower Final CD reflects XXXXX in seller paid fees.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 1 A 09/22/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
204831980 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard coverage shortfall of XXXXX. Loan amount XXXXX. Estimated cost new XXXXX. Hazard coverage XXXXX. Difference between coverage and estimated cost new is the shortfall.   Reviewer Comment (2018-11-05): Replacement cost estimate was provided in the trailing docs reflecting an estimated minimum rebuilding cost of $XXXXX and dwelling coverage of $XXXXX with 25% extended coverage. Condition has been cleared. 11/05/2018     1 A 09/22/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204831980 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxxx) Appraisal effective date is XXXXX. Signature date of appraisal isXXXXX. Copy of appraisal emailed to borrower on XXXXX UTD what, if anything changed between receipt of appraisal and when appraiser signed it.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/22/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
204831981 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   The loan file does not contain the Lender's initial application.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/14/2018 CA Primary Refinance - Limited Cash-out GSE   C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831981 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxx incorrectly disclosed whether the loan allows for Assumption. (Final/xxxxx) Per the Note, the loan is assumable with lender consent; the final CD indicates loan is not assumable.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/14/2018 CA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204831981 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxxx) The Initial Closing Disclosure was issued on XXXXX and has signature lines. However, it was not acknowledged by the Borrower. Therefore, the presumed date of receipt is XXXXX.   Reviewer Comment (2018-11-07): Disclosure tracking was provided in the trailing docs and reflects CD XXXXX was isssued, viewed and received XXXXX which is 3 days prior to closing. Condition has been cleared. Seller Comment (2018-10-31): borrower eConsent on XXXXX 11/07/2018     1 A 09/14/2018 CA Primary Refinance - Limited Cash-out GSE No Defined Cure C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831981 [Redacted] [Redacted] [Redacted] [Redacted] 10/24/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. The List of Homeownership Counseling Organizations in the loan file is dated XXXXX and not acknowledged by the Borrower.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/14/2018 CA Primary Refinance - Limited Cash-out GSE   C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831981 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primaryxxxxx) Acknowledgement of receipt not provided.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/14/2018 CA Primary Refinance - Limited Cash-out GSE   C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831981 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TILA LO Compensation (Impermissible Compensation Method) Loan Originator Compensation (Dodd-Frank 2014): Unable to determine Compensation method used. The disclosure does not specify compensation type/terms.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/14/2018 CA Primary Refinance - Limited Cash-out GSE   C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831981 [Redacted] [Redacted] [Redacted] [Redacted] 11/16/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-11-29): Client elects to waive. Reviewer Comment (2018-11-16): Property Inspection received dated XXXXX reflecting no damage, however no end date has been declared. Exception remains.     11/29/2018 2 B 09/14/2018 CA Primary Refinance - Limited Cash-out GSE   C B A B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
204831982 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) The total closing costs exceeded the legal limit by XXXXX   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831982 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Missing Home Loan Toolkit Disclosure.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 NV Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831982 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. (9300) Missing valid change of circumstance.   Reviewer Comment (2018-11-07): Upon further review, all LEs reflect a lender credit of $XXXXX. Condition has been cleared. Seller Comment (2018-11-05): Please clarify which disclosure lists $XXXXX lender credit; we do not see this, 11/07/2018     1 A 09/21/2018 NV Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831982 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller Closing Disclosure not located in the file.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831982 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance XXXXX Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX). (XXXXX) The file does not have a XXXXX for the borrower. An extension was file.   Reviewer Comment (2018-11-13): Upon further review documentation meets XXXXX requirements. Exception cleared. Reviewer Comment (2018-11-09): XXXXX not met, most recent 1040 return not in file, XXXXX extension was provided. Buyer to address if condition is to be waived. Seller Comment (2018-11-08): Loan closed end of XXXXX. Tax extension is good up to XXXXX. Please clear as the XXXXX tax returns were not required due to the extension up to XXXXX. Reviewer Comment (2018-11-05): XXXXX failure due to missing XXXXX personal 1040 returns. XXXXXExtension in file. Condition remains. Seller Comment (2018-10-30): taxes 11/13/2018     1 A 09/21/2018 NV Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831982 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Safe Harbor QM does not match Due Diligence Loan Designation of Non QM due to missing XXXXX   Reviewer Comment (2018-11-13): Upon further review documentation meets XXXXX requirements. Exception cleared. 11/13/2018     1 A 09/21/2018 NV Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
204831982 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Compliance State Compliance Nevada Home Loan (Property Insurance Exceeds Replacement Value) XXXXX Home Loan: Property insurance exceeds the replacement value of the property. Insurance estimated minimum rebuild cost of XXXXX with an additional XXXXX in coverage.   Reviewer Comment (2018-11-07): Upon further review, estimated replacement cost was provided in the trailing docs reflecting $XXXXX which is the amount of coverage. Lender exception comments also state minimum amount of coverage required was amount to cover dwelling replacement. Condition has been cleared. Seller Comment (2018-11-05): Please review final insurance. It is the homeowner's discretion on the amount they want covered on their insurance policy. The only amount we can require would be sufficient coverage for the dwelling replacement. This is the minimum requirement only. Please sign this condition off. 11/07/2018     1 A 09/21/2018 NV Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831982 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Credit Income / Employment Income Documentation The verbal verification of employment was obtained more than 10 days prior to the note date.   Co-borrower VVOE not within 10 days of closing.   Reviewer Comment (2018-10-31): Received VVOE for CoBorrower dated XXXXX. Seller Comment (2018-10-30): VOE 10/31/2018     1 A 09/21/2018 NV Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
204831982 [Redacted] [Redacted] [Redacted] [Redacted] 10/25/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   Initial lender application is missing from the file.   Reviewer Comment (2018-10-31): client elects to waive     10/31/2018 2 B 09/21/2018 NV Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205177548 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Loan commitment reflects rate lock date of XXXXX; however, COC reflects XXXXX and subsequent COC reflects a re-lock on XXXXX File is missing rate lock data.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 10/31/2018 MD Primary Refinance - Cash-out - Other   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205177548 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) Closing costs on the LE dated XXXXX were XXXXX; however, financed closing costs reflects XXXXX   Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope 12/10/2018     1 A 10/31/2018 MD Primary Refinance - Cash-out - Other Good faith redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205177548 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) Closing costs on the LE dated XXXXX were XXXXX; however, financed closing costs reflects XXXXX   Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope 12/10/2018     1 A 10/31/2018 MD Primary Refinance - Cash-out - Other Good faith redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205177548 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7562) Title - Closing Protection Letter Fee tolerance cure XXXXX was provided at closing.       11/28/2018   1 A 10/31/2018 MD Primary Refinance - Cash-out - Other Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205177548 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/XXXXX) The CD dated XXXXX reflects Closing Costs Financed (Paid from your Loan Amount) on page 3 of XXXXX   Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope 12/10/2018     1 A 10/31/2018 MD Primary Refinance - Cash-out - Other Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205177548 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) Homeowners Insurance Premium reflected on final CD was not disclosed on the LE's or initial CD.   Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope 12/10/2018     1 A 10/31/2018 MD Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205177550 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Missing proof of receipt of appraisal   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 10/31/2018 NJ Primary Refinance - Limited Cash-out GSE   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205177550 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. (9300) The lender credit disclosed on LE's was not included on CD's.   Reviewer Comment (2018-12-13): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.   12/13/2018   2 B 10/31/2018 NJ Primary Refinance - Limited Cash-out GSE Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205177550 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) The date was not disclosed the locked LE.   Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope 12/10/2018     1 A 10/31/2018 NJ Primary Refinance - Limited Cash-out GSE Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205177550 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 10/31/2018 NJ Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205177550 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX Guidelines require a VVOE w/10 days of closing. Please provide VVOE for B1.   Reviewer Comment (2018-12-12): VVOE was provided in the trailing docs. Condition has been cleared. 12/12/2018     1 A 10/31/2018 NJ Primary Refinance - Limited Cash-out GSE   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205177550 [Redacted] [Redacted] [Redacted] [Redacted] 02/22/2019 Compliance Compliance Federal Compliance QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. Missing VOE for prior employment to confirm actual dates of employment.   Reviewer Comment (2019-02-22): Client elects to waive.     02/22/2019 2 B 10/31/2018 NJ Primary Refinance - Limited Cash-out GSE   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205177551 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) As entered on the LE   Reviewer Comment (2018-12-04): Interim CD issued was cured reflecting closing cost of $XXXXX on age 2 and 3.   12/04/2018   2 B 11/08/2018 CA Primary Refinance - Rate/Term Good faith redisclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177551 [Redacted] [Redacted] [Redacted] [Redacted] 12/24/2018 Property Property - Appraisal Appraisal Reconciliation Property valuation variance is lower than 10% between the valuation report used for LTV and supporting valuation report. Valuation Type: Desk Review / Valuation Report Date: XXXXX Desk review value is Indeterminate.   Reviewer Comment (2019-01-04): Value was a positive variance. Exception cleared. Reviewer Comment (2019-01-02): The desk review received returned a value of $XXXXX which is a variance of 12.12%. 01/04/2019     1 A 11/08/2018 CA Primary Refinance - Rate/Term   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177552 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing the Secondary Valuation product.   Reviewer Comment (2018-12-24): Desk review provided. Exception cleared. 12/24/2018     1 A 11/09/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205177552 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Interim/XXXXX)     Reviewer Comment (2018-12-04): Final CD was corrected to read taxes $898.25   12/04/2018   2 B 11/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177552 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) No Seller fees shown on final CD and no Seller's CD provided.   Reviewer Comment (2018-12-26): Seller CD $XXXXX seller fees. Reviewed contract buyer responsible for all closing fees. New construction no agent used thus no commission 12/26/2018     1 A 11/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177552 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177552 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. (9300) Lender credit decreased from XXXXX on LE to XXXXX on final CD.   Reviewer Comment (2018-12-26): XXXXX received XXXXX COC. Exception Cleared. 12/26/2018     1 A 11/09/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177552 [Redacted] [Redacted] [Redacted] [Redacted] 12/24/2018 Property Property - Appraisal Appraisal Reconciliation Property valuation variance is lower than 10% between the valuation report used for LTV and supporting valuation report. Valuation Type: Desk Review / Valuation Report Date: XXXXX Desk review value is Indeterminate.   Reviewer Comment (2018-12-28): Loan Deposit desk review XXXXX was provided in the trailing docs and reflects acceptable review decision. Condition has been cleared. 12/28/2018     1 A 11/09/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205177552 [Redacted] [Redacted] [Redacted] [Redacted] 12/26/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower. (8304)     Reviewer Comment (2019-01-07): Client elects to waive.     01/07/2019 2 B 11/09/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177553 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Loan Package Documentation Application / Processing Missing Document: Purchase Agreement / Sales Contract not provided   The Purchase Contract is missing. Only Sales Contract Addendums were provided.   Reviewer Comment (2018-12-13): Purchase contract provided. Exception cleared. Seller Comment (2018-12-07): It should not matter what the close of escrow date is, this builder does not do addendums to update the close of escrow date. Please clear. Reviewer Comment (2018-12-06): Purchase Agreement was provided in the trailing docs however contract and addendum reflects close of escrow XXXXX. Actual closing date XXXXX. Condition remains. 12/13/2018     1 A 11/02/2018 CA Second Home Purchase   D B D A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177553 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) The borrower signed the appraisal waiver disclsoure on XXXXX. Evidence the borrower received a copy of the appraisal prior to three days before closing is missing.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/02/2018 CA Second Home Purchase   D B D A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177553 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Interim/XXXXX) The LE provided XXXXX disclosed an inaccurate amount for pre-paid homeowner's insurance. Section F shows annual premium of XXXXX whereas the actual premium is XXXXX   Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope 12/10/2018     1 A 11/02/2018 CA Second Home Purchase Good faith redisclosure D B D A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177553 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.       Reviewer Comment (2018-12-18): Post Disaster Inspection Report XXXXX was provided in the trailing docs and reflects exterior is well maintained with no signs of external damages. Condition has been cleared. Reviewer Comment (2018-12-14): Compliance audit reflects zip code XXXXX was included XXXXX disaster area. A search on XXXXX reflects the same. Condition remains. 12/18/2018     1 A 11/02/2018 CA Second Home Purchase   D B D A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177553 [Redacted] [Redacted] [Redacted] [Redacted] 12/24/2018 Property Property - Appraisal Appraisal Reconciliation Property valuation variance is lower than XXXXX between the valuation report used for LTV and supporting valuation report. Valuation Type: Desk Review / Valuation Report Date: XXXXX Desk review value is Indeterminate.   Reviewer Comment (2019-01-02): 2055 was provided with a value of $XXXXX supporting the value used and less than 10% variance 01/02/2019     1 A 11/02/2018 CA Second Home Purchase   D B D A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177554 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. List of Homeownership Counseling Organizations is missing from file.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/03/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177554 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (XXXXX) does not match Due Diligence Loan Designation of Safe Harbor QM. XXXXX reflectsXXXXX.   Reviewer Comment (2018-12-20): AUS in file is ineligible due to loan amount. Loan presented as a XXXXX loan. Exception cleared. 12/20/2018     1 A 11/03/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177554 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Evidence of borrowers receipt of Home Loan Toolkit was not provided.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/03/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177554 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Interim/XXXXX) Escrowed costs per Interim CD are XXXXX inaccurate due to homeowners monthly premium of XXXXX a month does not equal the annual premium collected of XXXXX, calculated annual premium is XXXXX.   Reviewer Comment (2018-12-04): Final CD reflects $XXXXX for annual premium being collected at closing and not escrowing. Interim CD had annual premium of $XXXXX / 12 = XXXXX, however in section G the monthly hazard is $XXXXX.   12/04/2018   2 B 11/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177554 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Interim/XXXXX) Escrowed costs per Interim CD are XXXXX inaccurate due to homeowners monthly premium of XXXXX a month does not equal the annual premium collected of XXXXX, calculated annual premium is XXXXX.   Reviewer Comment (2018-12-04): Final CD reflects $XXXXX for annual premium being collected at closing ans not escrowing. Interim CD had annual premium of $XXXXX / 12 = XXXXX, however is section G the monthly hazard is $XXXXX   12/04/2018   2 B 11/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177554 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Interim/XXXXX) Per Interim CD, non-escrowed costs are XXXXX whereas the field is blank on final CD.   Reviewer Comment (2018-12-04): Final CD on page 4 reflects blank on Non Escrowed Property Cost over 1 year.   12/04/2018   2 B 11/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177554 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (InitialXXXXX) Per Interim CD, non-escrowed costs are XXXXX, whereas the field should be blank.   Reviewer Comment (2018-12-04): Final CD reflects blank on page 4.   12/04/2018   2 B 11/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177554 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXXX) Evidence of start/end dates for borrowers previous XXXXXwas not provided in file as required by Appendix Q to verify a two year history. Borrower is XXXXX and still work part time for self employed job not using income to qualify.   Reviewer Comment (2019-01-07): Client elects to waive.     01/07/2019 2 B 11/03/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177554 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Missing FACTA   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/03/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177554 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinalXXXXX) Missing Seller CD   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177555 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX     Reviewer Comment (2018-12-07): VVOE for borrower was provided in the trailing docs. Condition has been cleared. 12/07/2018     1 A 11/10/2018 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177555 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The final disclosure reflects a closing date of XXXXX, document was executed and notary date is XXXXX. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177555 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Missing evidence that that appraisal was provided to the borrower at or before closing   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/10/2018 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177555 [Redacted] [Redacted] [Redacted] [Redacted] 12/24/2018 Property Property - Appraisal Appraisal Reconciliation Property valuation variance is lower than 10% between the valuation report used for LTV and supporting valuation report. Valuation Type: Desk Review / Valuation Report Date: XXXXX Desk review value is Indeterminate.   Reviewer Comment (2018-12-31): Desk review provided supporting the value used within 3% variance. 12/31/2018     1 A 11/10/2018 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177556 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) Initial CD estimated monthly tax at XXXXX; Final CD estimated monthly tax at XXXXX   Reviewer Comment (2018-12-04): The final closing disclosure has corrected section G   12/04/2018   2 B 11/06/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177556 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7552) Lender provided XXXXX credit for increase in closing costs above legal limits.       11/28/2018   1 A 11/06/2018 NY Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177556 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) Lender provided XXXXX credit for increase in closing costs above legal limits.       11/28/2018   1 A 11/06/2018 NY Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177556 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Property Appraisal Reconciliation Value Discrepancy Loan is missing secondary valuation product required for securitization.       Reviewer Comment (2019-01-02): 2055 provided with a value of $XXXXX supporting the original value within 3.03% variance. 01/02/2019     1 A 11/06/2018 NY Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177556 [Redacted] [Redacted] [Redacted] [Redacted] 12/24/2018 Property Property - Appraisal Appraisal Reconciliation Property valuation variance is lower than XXXXX between the valuation report used for LTV and supporting valuation report. Valuation Type: Desk Review / Valuation Report Date: XXXXX Desk review value is Indeterminate.   Reviewer Comment (2019-01-02): 2055 provided with a value of $XXXXX supporting the original value within 3.03% variance. 01/02/2019     1 A 11/06/2018 NY Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177557 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-21): Desk review provided with a -0.58% variance. Exception cleared. 12/21/2018     1 A 11/01/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205177557 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. XXXXXreflects Approved/Ineligible.   Reviewer Comment (2018-12-27): Per conversation with the seller and buyer the loan designation listed on the Tape was in error and should have been XXXXX as a manual UW and not an XXXXX Reviewer Comment (2018-12-27): Pending XXXXX compliance review . 12/27/2018     1 A 11/01/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177557 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Missing List of Homeownership Counseling Lists and the date provided.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/01/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205177557 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Final/XXXXX) Seller paid fee and the Closing Disclosure did not disclose the number of months.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177557 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/10/31/2018) Seller's Closing Disclosure was not located in the file.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177557 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Date the borrower was provided the Home Loan Toolkit was not located in the file.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/01/2018 CA Primary Purchase No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
205177557 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. SSPL was not located in the file.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/01/2018 CA Primary Purchase No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
205177557 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Missing disclosure at the time of initial application.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/01/2018 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205177558 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (XXXXX) does not match Due Diligence Loan Designation of Safe Harbor QM. XXXXX reflects Approved/Ineligible.   Reviewer Comment (2018-12-06): Lender Attestation was provided in the trailing docs reflecting loan is XXXXX. Condition has been cleared. Seller Comment (2018-12-06): Hello Would you please advise how you are determining the XXXXX Status of this file? I have attached our Compliance Report which shows the loan passes XXXXX. Thank you! - XXXXX Reviewer Comment (2018-12-05): Lender Attestation was not provided in the trailing docs confirming correct loan designation. Condition remains. 12/06/2018     1 A 10/16/2018 MA Primary Refinance - Limited Cash-out GSE Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
205177558 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) Homeowners Insurance Premium was not disclosed on the LE.   Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope Reviewer Comment (2018-12-07): XXXXX would need evidence of when the HOI premium was due to determine when it should have been disclosed. The HOI dec page has a faxed date of XXXXX and the premium was not added until XXXXX. Seller Comment (2018-12-06): Please escalate this. We did disclose the HOI on the LE under the Escrow section. There is no way we would have known the hazard premium was coming up due, so you can erroneously add this on the LE. Reviewer Comment (2018-12-06): Under 1026.19(e)(3), the lender is required to make a good faith effort to perform due diligence to obtain an amount for any required services. If the lender always knew HOI was required on the loan, then an amount for the service should have been disclosed on the LE. If the lender was not aware the loan would require HOI, then a changed circumstance document documenting the date the lender was aware the service would be required is needed. Seller Comment (2018-12-05): Hello - Hazard Insurance is not subject to tolerance and was quoted on the subsequent CD. Would you please review and clear. 12/10/2018     1 A 10/16/2018 MA Primary Refinance - Limited Cash-out GSE Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
205177558 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial XXXXX) Evidence of earlier borrower receipt was not found in file.   Reviewer Comment (2018-12-05): Received proof of delivery and receipt on XXXXX 12/05/2018     1 A 10/16/2018 MA Primary Refinance - Limited Cash-out GSE No Defined Cure C A A A C A A A Safe Harbor QM Safe Harbor QM No
205177558 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XXXXX not received by borrower at least four (4) business days prior to closing. (Interim/XXXXX) LE was provided XXXXX, no evidence in file of date received.   Reviewer Comment (2018-12-05): Received proof of delivery and receipt on XXXXX 12/05/2018     1 A 10/16/2018 MA Primary Refinance - Limited Cash-out GSE No Defined Cure C A A A C A A A Safe Harbor QM Safe Harbor QM No
205177558 [Redacted] [Redacted] [Redacted] [Redacted] 12/06/2018 Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Lender Attestation was provided in the trailing docs reflecting loan is QM Safe Harbor.   Reviewer Comment (2019-01-04): Documentation in file reflects loan was reviewed by lender as a XXXXX and presented as such. Exception cleared. 01/04/2019     1 A 10/16/2018 MA Primary Refinance - Limited Cash-out GSE Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM No
205177559 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXXXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Missing lease agreement. Borrower pays rent to self through business.   Reviewer Comment (2018-12-12): CPA letter in file reflects borrower's business provides rental income to borrower and is reported on schedule E as evidenced by documentation in file. Issue cleared. 12/12/2018     1 A 11/07/2018 WA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177559 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Missing proof of receipt of appraisal   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/07/2018 WA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177559 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) Initial CD had an inaccurate amount for escrow costs   Reviewer Comment (2018-12-04): The final CD has corrected the cost year 1   12/04/2018   2 B 11/07/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177559 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Missing lease agreement for rental income   Reviewer Comment (2018-12-12): CPA letter in file reflects borrower's business provides rental income to borrower and is reported on schedule E as evidenced by documentation in file. Issue cleared. 12/12/2018     1 A 11/07/2018 WA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177559 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Ten Percent Fee Tolerance amount of XXXXX exceeds tolerance of XXXXX   Reviewer Comment (2018-12-19): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2018-12-18): Please see attached. Reviewer Comment (2018-12-13): XXXXX agrees with the new refund amount of $XXXXX due to settlement fee, lender's title insurance and recording fee changed at closing and disclosed on PCCD. Need final ALTA Settlement Statement, along with PCCD, Copy of Refund Check, Letter of Explanation and Proof of Delivery to cure. Seller Comment (2018-12-12): Please see attached calculations and advise if you agree with the refund amount Reviewer Comment (2018-12-10): XXXXX recieved the XXXXX COC however the fees in the 10% tolerance did not rebaseline as the Title-Lender's Title insurance increased $185.39 and the Recording Fee increased $34, a total of $XXXXX which is less than 10%. If fees increase less than 10% they default to the initial issued LE. The Title-Notary fee is not included as it was not initially disclosed. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure.   12/19/2018   2 B 11/07/2018 WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177559 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) Final CD Cash to close pg 1 does not match the actual cash to close   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/07/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177559 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Interim/10/09/2018) Homeowner's insurance amounts in sections F & G of final loan estimate do not reconcile. XXXXX/month does not equal XXXXX annually.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/07/2018 WA Primary Purchase Good faith redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177560 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing secondary valuation.   Reviewer Comment (2018-12-26): Desk review provided with no variance. Exception cleared. 12/26/2018     1 A 11/05/2018 CA Primary Purchase   C A A A B A C A Temporary SHQM (GSE/Agency Eligible) Safe Harbor QM No
205177560 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinalXXXXX) Missing Seller's Closing Disclosure.   Reviewer Comment (2018-12-12): Received Seller CD with closing costs totaling $XXXXX. Seller Comment (2018-12-11): Sellers CD 12/12/2018     1 A 11/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A B A C A Temporary SHQM (GSE/Agency Eligible) Safe Harbor QM Yes
205177561 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. XXXXX is approve/ineligible so it is not agency salable   Reviewer Comment (2018-12-11): Documentation in file suggests loan was review and presented as a XXXXX loan. Exception cleared. Reviewer Comment (2018-12-07): Attestation was provided in the trailing docs reflecting AUS is always ineligible. Attestation was not provided regarding correct loan designation. Please refer to supervisor for correct attestation. Condition remains. Seller Comment (2018-12-06): Attestation Reviewer Comment (2018-12-05): Lender Attestation was not provided in the trailing docs confirming correct loan designation. Condition remains. Seller Comment (2018-12-04): This is a jumbo loan, so the AUS will always be ineligible for the loan amount. 12/11/2018     1 A 11/05/2018 CA Primary Refinance - Cash-out - Home Improvement Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205177561 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. List provided XXXXX; application date is XXXXX.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/05/2018 CA Primary Refinance - Cash-out - Home Improvement   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205177561 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Alternate Table Usage TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. Initial LE was issued on purchase transaction form.   Reviewer Comment (2018-12-11): Outside of SFIG RMBS TRID review scope. 12/11/2018     1 A 11/05/2018 CA Primary Refinance - Cash-out - Home Improvement Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205177561 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.       Reviewer Comment (2018-12-18): Post Disaster Inspection Report XXXXX was provided in the trailing docs and reflects property is averagely maintained with no exterior repairs noted. Condition has been cleared. 12/18/2018     1 A 11/05/2018 CA Primary Refinance - Cash-out - Home Improvement   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205177562 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-24): Desk review provided with no variance. Exception cleared. 12/24/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205177562 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Escrow TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX disclosed homeowner's insurance under Initial Escrow Payment at Closing that does not match amount per month calculation. (Interim/XXXXX) The LE disclosed the monthly hazard insurance as XXXXX, actual cost is XXXXX monthly on the final CD dated XXXXX   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177562 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) The LE dated XXXXX was missing the expiration date- the date was blank   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177562 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Due to tolerance violations.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 10/31/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177562 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) Final loan estimate disclosed estimated closing costs financed, XXXXX, that does not match calculation of XXXXX   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177562 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7506) Change of circumstance did not explain why appraisal fee increased. No cure was provided for tolerance violation   Reviewer Comment (2018-12-14): Letter of Explanation, Proof of Delivery, Copy of Refund Check $XXXXX, and Corrected CD XXXXX was provided in the trailing docs. Condition has been cleared.   12/14/2018   2 B 10/31/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177563 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Final CD did not include lender contact name or NMLS ID, this is a XXXX loan.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/07/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177563 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XXXXX) Neither the Borrower's or Seller's Closing Disclosure showed any seller paid fees.   Reviewer Comment (2018-12-10): XXXXX received PCCD correcting seller paid fees. Exception Cured. Seller Comment (2018-12-07): Please see attached 2nd PCCD and Final Settlement Statement showing a recording fee paid by the seller.   12/10/2018   1 A 11/07/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177563 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX) Final CD did not disclose the number of months for HOA dues. PCCD reflects 3 months but missing LOE to cure.   Reviewer Comment (2018-12-12): Client elects to waive.     12/12/2018 2 B 11/07/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177563 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Initial/XXXXX) Initial CD did not disclose the number of months for HOA dues   Reviewer Comment (2018-12-04): PCCD reflects 3 months   12/04/2018   2 B 11/07/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177563 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate XXXXX received on or after the date the Closing Disclosure XXXXX XXXXX AM was received. (Interim/XXXXX Loan estimate dated XXXXX does not have a signature and received on XXXXX. Initial CD dated XXXXX was signed by borrower on XXXXX.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/07/2018 CA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177563 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XXXXX not received by borrower at least four (4) business days prior to closing. (Interim/XXXXX) Loan estimate dated XXXXX does not have a signature and received on XXXXX. Final CD was issued/signed on XXXXX   Reviewer Comment (2018-12-12): Received signed LE dated XXXXX. Seller Comment (2018-12-12): Please see attached signed Loan Estimate for XXXXX Reviewer Comment (2018-12-10): XXXXX received PCCD, Closing Statement, and Disclosure Tracking. The exception is due to the XXXXX LE not received by borrower at least 4 business days from close. The mailbox rule was used a receipt is not indicated for a date of XXXXX. The closing occurred on XXXXX. Seller Comment (2018-12-07): The Loan Estimate from XXXXX was one time consented by the borrower on XXXXX 12/12/2018     1 A 11/07/2018 CA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177564 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. The borrower did not sign the disclosure.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 10/23/2018 NJ Primary Refinance - Limited Cash-out GSE   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177564 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinalXXXXX) 12 month premium is XXXXX which does not match prepaid amount of XXXX   Reviewer Comment (2018-12-12): Client elects to waive.     12/12/2018 2 B 10/23/2018 NJ Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177564 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) Premium was not disclosed on LE's issued on XXXXX and XXXXX   Reviewer Comment (2018-12-04): Was provided on CD   12/04/2018   2 B 10/23/2018 NJ Primary Refinance - Limited Cash-out GSE Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177564 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) Final Cd reflects XXXXX / 12 = XXXXX   Reviewer Comment (2018-12-04): Final Cd reflects $XXXXX / 12 = $XXXXX   12/04/2018   2 B 10/23/2018 NJ Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177564 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/XXXXX) Final CD disclosed closing costs financed as XXXXX; calculated amount is XXXXX   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 10/23/2018 NJ Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177564 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXXX) Missing 3rd party verification of self-employment income.   Reviewer Comment (2019-01-07): Client elects to waive.     01/07/2019 2 B 10/23/2018 NJ Primary Refinance - Limited Cash-out GSE   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177564 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX) Missing borrower's acknowledgement receipt a copy of appraisal was provided at or before closing.   Reviewer Comment (2019-01-07): Client elects to waive.     01/07/2019 2 B 10/23/2018 NJ Primary Refinance - Limited Cash-out GSE   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177564 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (XXXXX) does not match Due Diligence Loan Designation of Safe Harbor QM. XXXXX is Approved/Eligible.   Reviewer Comment (2018-12-05): Lender Attestation was provided in the trailing docs stating loan is XXXXX. Condition has been cleared. 12/05/2018     1 A 10/23/2018 NJ Primary Refinance - Limited Cash-out GSE Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177564 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus 10% or XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (0)         11/30/2018   1 A 10/23/2018 NJ Primary Refinance - Limited Cash-out GSE Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177564 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on 10/11/2018 not accurate. (Initial/XXXXX) Initial CD reflects XXXXX / 12 = XXXXX   Reviewer Comment (2018-12-04): Final Cd reflects XXXXX /12 = XXXXX   12/04/2018   2 B 10/23/2018 NJ Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177564 [Redacted] [Redacted] [Redacted] [Redacted] 12/05/2018 Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Lender Attestation was provided in the trailing docs stating loan is QM Safe Harbor.   Reviewer Comment (2019-01-04): Documentation in file reflects loan was reviewed by lender as a XXXXX and presented as such. Exception cleared. 01/04/2019     1 A 10/23/2018 NJ Primary Refinance - Limited Cash-out GSE Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM No
205177565 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Property - Appraisal Appraisal Documentation Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. Valuation Type: Appraisal / Valuation Report Date: XXXXX     Reviewer Comment (2018-12-07): 1004D Certification of Completion was provided in the trailing docs reflecting improvements have been completed in accordance with the requirements and conditions stated in the original appraisal. Condition has been cleared. Seller Comment (2018-12-07): copy of 1004D 12/07/2018     1 A 11/03/2018 CA Primary Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177565 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX     Reviewer Comment (2018-12-12): VVOE was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-12-12): copy of VOE Reviewer Comment (2018-12-07): VVOE was not provided in the trailing docs. Condition remains. Seller Comment (2018-12-07): Income doc's 12/12/2018     1 A 11/03/2018 CA Primary Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177566 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date.   Policy effective date XXXXX is after transaction date XXXXX   Reviewer Comment (2018-12-06): Updated evidence of insurance was provided in the trailing docs reflecting effective date XXXXX. Condition has been cleared. 12/06/2018     1 A 10/04/2018 ME Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205177566 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance XXXXX Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX). (XXXXX) Missing a ytd P&L and Balance sheet for borrowers self employment income as required by Appendix Q.   Reviewer Comment (2018-12-19): YTD P&L and Balance Sheet were provided in the trailing docs. Condition has been cleared. 12/19/2018     1 A 10/04/2018 ME Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205177566 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (XXXXX) does not match Due Diligence Loan Designation of Non QM. NO QM due to missing P&L and Balance sheet for borrowers self employment income.   Reviewer Comment (2018-12-19): Loan was reviewed as a XXXXX loan and is not XXXXX approved due to loan amount. Exception cleared. Reviewer Comment (2018-12-19): Lender attestation confirming loan designation was not provided in the trailing docs. Condition remains. 12/19/2018     1 A 10/04/2018 ME Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177568 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Final/XXXXX) The PCCD dated XXXXX reflect XXXXX as number of months Number of month which was received by Borrowers on XXXXX per e-consent data.   Reviewer Comment (2018-12-04): PCCD reflects 6 months and Esign show received date of XXXXX.   12/04/2018   2 B 11/06/2018 CA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177568 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXXon Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Loan approval and review calculated Tax, Ins and HOA of XXXXX monthly / XXXXX yearly. Final CD and all PCCD's reflect XXXXX / 12 = XXXXX. The difference appears to be final CD read hazard XXXXX and Cd are based on XXXXX (final 1003 reads XXXXX) however final 1008 and XXXXX reads XXXXX. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-12-20): XXXXX received Letter of Explanation & Corrected Closing Disclosure.   12/20/2018   2 B 11/06/2018 CA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177568 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 ofXXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) Loan approval and review calculated Tax, Ins and HOA of XXXXX monthly / XXXXX yearly. Final CD and all PCCD's reflect XXXXX / 12 = XXXXX. The difference appears to be final CD read hazard XXXXX and Cd are based on XXXXX (final 1003 reads XXXXX) however final 1008 and XXXXX reads XXXXX. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 11/06/2018 CA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177568 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Initial/XXXXX) The PCCD dated XXXXX reflects XXXXX as number of months Number of month which was received by Borrowers on XXXXX per e-consent data.   Reviewer Comment (2018-12-04): PCCD and Esign delivery read XXXXX (both in file).   12/04/2018   2 B 11/06/2018 CA Primary Refinance - Limited Cash-out GSE Good Faith Redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177569 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Missing proof of receipt of appraisal report   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/07/2018 WA Primary Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177571 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Section was left incomplete   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 10/05/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177571 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (InitialXXXXX) The estimated escrow payment for payment stream 1 using XXXXX over one year equals XXXXX is entered correctly.   Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope Seller Comment (2018-12-10): Hello, can I have an update on this? Seller Comment (2018-12-06): This is the Initial CD, it cannot be corrected. The amounts on the Final CD are correct. Please clear. thank you 12/10/2018     1 A 10/05/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177571 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) Survey Fee of XXXXX did not contain include Title in description.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/05/2018 NJ Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177571 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) Survey Fee of XXXXX did not contain include Title in description.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/05/2018 NJ Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205177574 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Property - Appraisal Appraisal Documentation Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. Valuation Type: Appraisal / Valuation Report Date: XXXXX     Reviewer Comment (2018-12-07): 1004D Certificate of Completion was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-12-07): Attached 12/07/2018     1 A 11/08/2018 NV Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205177574 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Taxes Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether property taxes are included in escrow. (Final/11/06/2018) The final CD page 1 states taxes will be included in the escrow however section G does not include taxes collected.   Reviewer Comment (2018-12-10): XXXXX received lender correspondence, First Payment Letter, and Initial Escrow Account Disclosure Statement. Exception Cleared. Seller Comment (2018-12-07): Attached 12/10/2018     1 A 11/08/2018 NV Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177574 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX Lender established escrow for taxes and insurance per Final Cd and Initial Escrow Disclosure (XXXXX per month); Lender did not collect funds at closing for escrow account.   Reviewer Comment (2018-12-10): XXXXX received lender correspondence, First Payment Letter, and Initial Escrow Account Disclosure Statement. Exception Cleared. 12/10/2018     1 A 11/08/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177574 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. Xxxx Lender established escrow for taxes and insurance per Final Cd and Initial Escrow Disclosure (XXXXX per month); Lender did not collect funds at closing for escrow account.   Reviewer Comment (2018-12-10): XXXXX received lender correspondence, First Payment Letter, and Initial Escrow Account Disclosure Statement. Exception Cleared. 12/10/2018     1 A 11/08/2018 NV Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177574 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. Xxxx Lender established escrow for taxes and insurance per Final Cd and Initial Escrow Disclosure (XXXXX per month); Lender did not collect funds at closing for escrow account.   Reviewer Comment (2018-12-10): XXXXX received lender correspondence, First Payment Letter, and Initial Escrow Account Disclosure Statement. Exception Cleared. 12/10/2018     1 A 11/08/2018 NV Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177574 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX Non-escrowed costs per CD are XXXXX. HOA fee is XXXXX per month.   Reviewer Comment (2018-12-10): XXXXX received lender correspondence, First Payment Letter, and Initial Escrow Account Disclosure Statement. Exception Cleared. Seller Comment (2018-12-07): The Appraisal and all of our documents show the HOA fee is $XXXXXx 12 = $XXXXX. Would you please advise how you are determining this is now accurate? 12/10/2018     1 A 11/08/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177574 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX Lender established escrow for taxes and insurance per Final Cd and Initial Escrow Disclosure (XXXXX per month); Lender did not collect funds at closing for escrow account.   Reviewer Comment (2018-12-10): XXXXX received lender correspondence, First Payment Letter, and Initial Escrow Account Disclosure Statement. Exception Cleared. 12/10/2018     1 A 11/08/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177574 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX Non-escrowed costs per Interim CD are XXXXX. HOA fee is XXXXX per month.   Reviewer Comment (2018-12-10): XXXXX received lender correspondence, First Payment Letter, and Initial Escrow Account Disclosure Statement. Exception Cleared. 12/10/2018     1 A 11/08/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177574 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided   The property is new construction and the taxes used per the 1003 of XXXXX monthly has not been validated. Please provide the taxing authority percentages and UW tax calculations.   Reviewer Comment (2018-12-21): UW tax calculation, PCCD XXXXX along with cover letter provided in the trailing docs. Condition has been cleared. Reviewer Comment (2018-12-19): Updated 1008 was provided in the trailing docs however UW tax calculation was not provided. Condition remains. Seller Comment (2018-12-17): Attached Reviewer Comment (2018-12-07): Tax rate XXXXX was provided in the trailing docs however UW tax calculation was not provided. Unable to confirm $XXXXX/month tax liability from documentation provided. Condition remains. Seller Comment (2018-12-07): Attached 12/21/2018     1 A 11/08/2018 NV Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205177574 [Redacted] [Redacted] [Redacted] [Redacted] 12/24/2018 Property Property - Appraisal Appraisal Reconciliation Property valuation variance is lower than 10% between the valuation report used for LTV and supporting valuation report. Valuation Type: Desk Review / Valuation Report Date: XXXXX Desk review value is Indeterminate.   Reviewer Comment (2018-12-31): Field review provided supports the value used for LTV 12/31/2018     1 A 11/08/2018 NV Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205177576 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) CD dated XXXXX disclosed the Amount of Non-Escrowed Property Costs over Year 1 as XXXXX which is a monthly cost of XXXXX however page 1 of the CD lists estimate cost as XXXXX and the verified cost of taxes, insurance and HOA is XXXXX   Reviewer Comment (2019-01-07): Client elects to waive.     01/07/2019 2 B 11/20/2017 AZ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177576 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Total Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) CD dated XXXXX disclosed the Amount of Non-Escrowed Property Costs over Year 1 as XXXXX which is a monthly cost of XXXXX however page 1 of the CD lists estimate cost as XXXXX and the verified cost of taxes, insurance and HOA is XXXXX   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 11/20/2017 AZ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177576 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) The LE does not disclose HOI Premium.   Reviewer Comment (2018-12-04): Final and interim CD correct the HOI disclosure   12/04/2018   2 B 11/20/2017 AZ Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205177576 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-21): Desk review provided with no variance. Exception cleared. 12/21/2018     1 A 11/20/2017 AZ Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205177577 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX) HOA dues number of months not provided on final CD.   Reviewer Comment (2018-12-12): Client elects to waive.     12/12/2018 2 B 11/01/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205177577 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX) HOA dues number of months not provided on initial CD.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/01/2018 AZ Primary Purchase Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205177577 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX) Monthly homeowners insurance prepaid is XXXXX. Monthly homeowners insurance escrow is XXXXX   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/01/2018 AZ Primary Purchase Good faith redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205177577 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX) HOA dues number of months not provided on LE dated XXXXX.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/01/2018 AZ Primary Purchase Good faith redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205177577 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Prepaid Homeowners Association Dues Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Homeowners Association Dues under Prepaids. (Final/XXXXX) HOA dues number of months not provided on LE dated XXXXX.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/01/2018 AZ Primary Purchase Good faith redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205177577 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Closing date on final CD is XXXXX. Security instrument was notarized on XXXXX   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/01/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205177577 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation.   Missing evidence sale of current residence (Minton Street). Required by AUS.   Reviewer Comment (2018-12-06): Settlement statement was provided from sale of XXXXX(XXXXX). Condition has been cleared. 12/06/2018     1 A 11/01/2018 AZ Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205177577 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TILA LO Compensation (Impermissible Compensation Method) Loan Originator Compensation (Dodd-Frank 2014): Unable to determine Compensation method used.     Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/01/2018 AZ Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205177577 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/XXXXX) Lender name and NMLS ID do not appears on consumer's final CD.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/01/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205177577 [Redacted] [Redacted] [Redacted] [Redacted] 12/24/2018 Property Property - Appraisal Appraisal Reconciliation Property valuation variance is lower than 10% between the valuation report used for LTV and supporting valuation report. Valuation Type: Desk Review / Valuation Report Date: XXXXX Desk review value is Indeterminate.   Reviewer Comment (2019-01-04): 2055 Appraisal provided with a value of $XXXXX, a -4.2857% variance. Exception cleared. 01/04/2019     1 A 11/01/2018 AZ Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205177578 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD disclosed a closing date of XXXXX with a disbursement date of XXXXX. Borrower signed all loan documents on XXXXX   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205177578 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Property Appraisal Reconciliation Value Discrepancy Loan is missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-24): Desk review provided with no variance. Exception cleared. 12/24/2018     1 A 11/01/2018 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205177579 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) The verified cost for taxes, insurance and flood were XXXXXhowever the calculated cost year 1 was XXXXX which would be a monthly cost of XXXXX   Reviewer Comment (2018-12-07): XXXXX received tax cert with the tax amount non exempt portion included in the non-escrow payment for taxes. Exception Cleared. Seller Comment (2018-12-06): Annual tax amount is $XXXXX/12=$XXXXX/12=$XXXXX + $XXXXX flood + $XXXXX HOI = $XXXXX non escrowed amounts = $XXXXX taxes + $XXXXX HOI = $XXXXX x 12 = $XXXXX 12/07/2018     1 A 10/26/2018 NY Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177579 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This section was incomplete   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 10/26/2018 NY Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177579 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope Reviewer Comment (2018-12-12): A refund is needed to cure. A PCCD alone is not sufficient as insurance premiums were not disclosed on the LE. Issue remains. Seller Comment (2018-12-11): revised cd showing HOI premium vs flood insurance premium Reviewer Comment (2018-12-07): Under 1026.19(e)(3), the lender is required to make a good faith effort to perform due diligence to obtain an amount for any required services. If the lender always knew HOI was required on the loan, then an amount for the service should have been disclosed on the LE. If the lender was not aware the loan would require HOI, then a changed circumstance document documenting the date the lender was aware the service would be required is needed. Seller Comment (2018-12-06): HOI has nothing to do with TRID, we don't need to disclose hazard insurance premium to the borrower 12/12/2018     1 A 10/26/2018 NY Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177579 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) The verified cost for taxes, insurance and flood were XXXXX however the calculated cost year 1 was XXXXX which would be a monthly cost of XXXXX   Reviewer Comment (2018-12-07): XXXXX received tax cert with the tax amount non exempt portion included in the non-escrow payment for taxes. Exception Cleared. Seller Comment (2018-12-06): please see other upload explanation 12/07/2018     1 A 10/26/2018 NY Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177579 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/XXXXX) Calculated finance charges do not match those disclosed to the borrower.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/26/2018 NY Primary Refinance - Rate/Term Good Faith Redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177579 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus 10% or XXXXX. Insufficient or no cure was provided to the borrower. (0) Borrower was improperly disclosed translator and title fees.   Reviewer Comment (2019-01-03): Lender cured on the PCCD dated XXXXX by refunding the borrower $XXXXX. Received copy of the check, LOE, corrected CD, and proof of delivery. Seller Comment (2019-01-02): check cleared Reviewer Comment (2018-12-26): Proof of Delivery on XXXXX for Fedex Tracking #XXXXX is before the PCCD dated XXXXX was issued. This is not sufficient proof the Borrower was provided the refund. Need Proof of Delivery by either a copy of canceled check in the amount of the refund for $XXXXX or proof by delivery after XXXXX to cure. Reviewer Comment (2018-12-21): PCCD XXXXX was provided in the trailing docs. Upon further review, mailing label is from XXXXX. Proof of delivery of PCCD XXXXX was not provided. Condition remains. Reviewer Comment (2018-12-20): XXXXX received Copy of Refund Check, LOE and Proof of Delivery. Need Corrected CD to cure. Reviewer Comment (2018-12-12): A refund is needed to cure. Exception remains. Seller Comment (2018-12-11): even though title fees increased, we are still under tolerance. PLease see calculation between last LE and the revised CD. Translation fee isn't subject to 10% Reviewer Comment (2018-12-07): Initial description of the exception was inaccurate. The Translation fee is not included in the Ten Percent tolerance calculation. Several of the title fees increased; such as Doc Prep, Endorsement, Lender's Ins, Abstract/Search, Courier, Processing, Recording Service, and Sub Escrow fee. All the 10% fees are totaled to determine the cure amount of $XXXXX. Seller Comment (2018-12-07): LE COC to show translation fee added Seller Comment (2018-12-07): Revised CD moving title fees from C to B   01/03/2019   2 B 10/26/2018 NY Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205177579 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Property Appraisal Reconciliation Value Discrepancy Loan is missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-31): Provided 12/31/2018     1 A 10/26/2018 NY Primary Refinance - Rate/Term   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205177580 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on 09/12/2018 not accurate. (Initial/XXXXX) The total costs for escrows year 1 should be XXXXX however the final CD lists cost year 1 as XXXXX   Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope. Seller Comment (2018-12-06): The closer computed the tax escrow using the XXXXX/XXXXX base tax without exemption of $XXXXX/XXXXX=$XXXXX + XXXXX HOI=$XXXXX monthly escrow payment x12mo=$XXXXX 12/10/2018     1 A 10/05/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
205177583 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXXX) Initial CD issued on XXXXX was not executed by borrower and therefore presumed received on XXXXX, which is not at least three business days prior to closing.   Reviewer Comment (2018-12-05): XXXXX received Disclosure Tracking indicating the initial CD was received the same day issued. Exception Cleared. 12/05/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A A A Safe Harbor QM Safe Harbor QM No
205177583 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) LE disclosed the XXXXX Subordination Fee in Section B and did not reflect it as a "XXXXX" fee.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177583 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) LE disclosed the XXXXX Subordination Fee in Section B and did not reflect it as a "XXXXX" fee.e.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177583 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) LE disclosed the XXXXX Subordination Fee in Section B and did not reflect it as a "XXXXX" fee.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177583 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) LE disclosed the XXXXX Subordination Fee in Section B and did not reflect it as a "XXXXX" fee.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177583 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) LE disclosed the XXXXX Subordination Fee in Section B and did not reflect it as a "XXXXX" fee.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177583 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) LE disclosed the XXXXX Subordination Fee in Section B and did not reflect it as a "XXXXX" fee.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205177583 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XXXXX not received by borrower at least four (4) business days prior to closing. (Interim/XXXXX) Revised LE issued on XXXXX was not executed by borrower and therefore presumed received on XXXXX, which was not at least four business days prior to consummation.   Reviewer Comment (2018-12-05): XXXXX received Disclosure Tracking indicating receipt of LE on XXXXX. Exception Cleared. Seller Comment (2018-12-04): copy of Data Tracking for LE dated XXXXX 12/05/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A A A Safe Harbor QM Safe Harbor QM No
205177583 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.       Reviewer Comment (2018-12-20): Post Disaster Inspection Report XXXXX was provided in the trailing docs reflecting property is in good condition with no exterior repairs required. Condition has been cleared. 12/20/2018     1 A 10/31/2018 CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205186177 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) The LE does not reflect a date on which estimated closing costs expire.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/24/2018 MD Primary Purchase Good Faith Redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186177 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) The LE does not reflect a date on which estimated closing costs expire.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/24/2018 MD Primary Purchase Good Faith Redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186177 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) The LE does not reflect a date on which estimated closing costs expire.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/24/2018 MD Primary Purchase Good Faith Redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186177 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) The LE does not reflect a date on which estimated closing costs expire.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/24/2018 MD Primary Purchase Good Faith Redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186177 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller CD not provided.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/24/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186177 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) The LE does not reflect a date on which estimated closing costs expire.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/24/2018 MD Primary Purchase Good Faith Redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186177 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) The LE does not reflect a date on which estimated closing costs expire.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/24/2018 MD Primary Purchase Good Faith Redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186177 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX Employment gap over 30 days no LOE as required in file.   Reviewer Comment (2018-12-10): Explanation for gap of employment from XXXXX-XXXXX was provided in the trailing docs. Condition has been cleared. 12/10/2018     1 A 08/24/2018 MD Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186177 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Required Post Closing CDA not found in file.   Reviewer Comment (2018-12-18): Provided 12/18/2018     1 A 08/24/2018 MD Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186180 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-17): Received a XXXXX desk review dated XXXXX which provided a value of $XXXXX a 0.00% variance from the appraised value of $XXXXX, value supported. 12/17/2018     1 A 03/29/2018 WA Primary Purchase   C B C B B B C A Safe Harbor QM Safe Harbor QM No
205186180 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) Valuation was provided to the borrower on XXXXX. The Valuation was performed on XXXXX and the report dated XXXXX   Reviewer Comment (2018-12-05): Client elects to waive.     12/05/2018 2 B 03/29/2018 WA Primary Purchase   C B C B B B C A Safe Harbor QM Safe Harbor QM No
205186180 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Initial/XXXXX) Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids.   Reviewer Comment (2018-11-27): Final CD reads XXXXX months.   11/27/2018   2 B 03/29/2018 WA Primary Purchase Good Faith Redisclosure C B C B B B C A Safe Harbor QM Safe Harbor QM Yes
205186180 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Credit Loan Package Documentation Application / Processing Missing Document: Lender Exception(s) not provided   B1 was a XXXXX at XXXXX from XXXXX. B1 filed XXXXX XXXXX. AN attempt to pull transcript for XXXXX and were not filed. We have XXXXX transcripts. File is missing signed exception XXXXX transcripts are sufficient in lieu of IRS transcripts. For B2 Lender made an exceptions for attempt to pull XXXXX transcripts, XXXXX copy of transcripts were provided and attempt to pull XXXXX to validate they are not filed. B2 provided XXXXX and XXXXX are not due until XXXXX ( Note date is XXXXX). B2 worked in XXXXX for XXXXX from XXXXX and XXXXX moved to the XXXXX in XXXXX working for XXXXX in XXXXX. The loan images contain the exception request and email threads the exception for the transcripts were granted however the file is missing a signed exception granted from XXXXX 713 FICO 15 months reserves Reviewer Comment (2018-12-19): Client elects to waive. Reviewer Comment (2018-12-12): The loan images contain the exception request and email threads the exception for the transcripts were granted however the file is missing a signed exception granted from XXXXX. Condition remains.     12/19/2018 2 B 03/29/2018 WA Primary Purchase   C B C B B B C A Safe Harbor QM Safe Harbor QM No
205186180 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXXX) We have XXXXXl transcripts from XXXXX, and XXXXX for XXXXX. LOE for Gap of Employment. VVOE for current employer.   Reviewer Comment (2018-12-10): Upon further review, XXXXX and XXXXX were provided. A 2 year school/work history has been evidenced. Condition has been cleared. 12/10/2018     1 A 03/29/2018 WA Primary Purchase   C B C B B B C A Safe Harbor QM Safe Harbor QM No
205186184 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX) Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/29/2018 VA Primary Refinance - Cash-out - Other   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205186184 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) Initial LE's did not reflects hazard premium being collect at closing in section F.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope Reviewer Comment (2018-12-12): Under 1026.19(e)(3), the lender is required to make a good faith effort to perform due diligence to obtain an amount for any required services. If the lender always knew HOI was required on the loan, then an amount for the service should have been disclosed on the LE. If the lender was not aware the loan would require HOI, then a changed circumstance document documenting the date the lender was aware the service would be required is needed. Seller Comment (2018-12-11): There is no tolerance for Hazard Insurance. This is not a violation. 12/13/2018     1 A 03/29/2018 VA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205186184 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/XXXXX) Loan Estimate provided onXXXXX disclosed Estimated Closing Costs Financed of XXXXX that does not match the actual closing costs financed on final CD of XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 03/29/2018 VA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205186184 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) Loan Estimate provided onXXXXX disclosed Estimated Closing Costs Financed of XXXXX that does not match the actual closing costs financed on final CD of XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 03/29/2018 VA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205186184 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-18): Provided 12/18/2018     1 A 03/29/2018 VA Primary Refinance - Cash-out - Other   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205186185 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2018-12-05): Flood Certificate was provided in the trailing docs reflecting property is not in a special flood hazard area. Condition has been cleared. Seller Comment (2018-12-04): see attached flood cert 12/05/2018     1 A 05/07/2018 VA Second Home Purchase   D A D A A A A A Safe Harbor QM Safe Harbor QM No
205186185 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Credit Credit Credit Documentation Missing Document: Credit Report not provided   Missing the Credit Report used and reflected on the Approval, XXXX, Final 1003 that was pulled on XXXXX Report ID XXXXX   Reviewer Comment (2018-12-05): Credit report XXXXX was provided in the trailing docs and has been reviewed.. Condition has been cleared. Seller Comment (2018-12-04): see attached 12/05/2018     1 A 05/07/2018 VA Second Home Purchase   D A D A A A A A Safe Harbor QM Safe Harbor QM No
205186185 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Short coverage by XXXXX   Reviewer Comment (2018-12-10): Replacement cost estimate was provided in the trailing docs and reflects estimated replacement cost is $XXXXX. Dwelling coverage $XXXXX. Condition has been cleared. 12/10/2018     1 A 05/07/2018 VA Second Home Purchase   D A D A A A A A Safe Harbor QM Safe Harbor QM No
205186186 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.   Disaster inspection not provided.   Reviewer Comment (2018-12-21): Property Condition Inspection Report XXXXX was provided in the trailing docs and reflects property is well maintained with no exterior repairs required. Condition has been cleared. 12/21/2018     1 A 05/14/2018 HI Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186186 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/14/2018 HI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186186 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) LE issued XXXXX did not provide an expiration date in which the estimated closing costs expire.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/14/2018 HI Primary Purchase Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186187 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance Social Security Documentation Qualified Mortgage (Dodd-Frank 2014): XXXXX XXXXXy income documentation insufficient. (XXXXX,XXXXX XXXXX / XXXXX The XXXXX XXXXX XXXXX Letter was not in the loan file.   Reviewer Comment (2018-12-07): Upon further review, Final 1008 and XXXXX reflect no XXXXX Income was used in qualifying. Condition has been cleared. Seller Comment (2018-12-07): No Social Security used in income calculation. Award letter not needed. 12/07/2018     1 A 11/02/2017 AZ Primary Refinance - Cash-out - Debt Consolidation   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186187 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. The Lender's Compliance report reflects the loan was presumed to be a Safe Harbor Qualified Mortgage. Compliance was run using the Loan Designation of Safe Harbor QM. Due to missing most recent XXXXX XXXXX letter for XXXXX XXXXX   Reviewer Comment (2018-12-07): Upon further review, Final 1008 and XXXXX reflect no XXXXX Income was used in qualifying. Condition has been cleared. 12/07/2018     1 A 11/02/2017 AZ Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186187 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. The Homeownership Counseling Organization List is dated XXXXX XXXXX, XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 11/02/2017 AZ Primary Refinance - Cash-out - Debt Consolidation   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186187 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 1XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The Final CD's Issue date is XXXXX and stated a closing date of XXXXX. The Deed of Trust has a notarization date of XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 11/02/2017 AZ Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) All LE's in file did not disclosed hazard premium begin collected at closing. Final CD collected a premium of $XXXXX at closing.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope Reviewer Comment (2018-12-10): Under 1026.19(e)(3), the lender is required to make a good faith effort to perform due diligence to obtain an amount for any required services. If the lender always knew HOI was required on the loan, then an amount for the service should have been disclosed on the LE. If the lender was not aware the loan would require HOI, then a changed circumstance document documenting the date the lender was aware the service would be required is needed. Seller Comment (2018-12-07): Refi - doesn't need to be disclosed on the initial LE. Confirmed with the lock desk. 02/21/2019     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXXX) Per the E-sign document and the Disclosure tracking summary, the initial CD was dated XXXXX. The file does not contain evidence of this CD.   Reviewer Comment (2018-12-10): XXXXX received XXXXX CD. Exception Cleared. 12/10/2018     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) LE did not disclose an expiration date of estimated closing cost.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) LE did not disclose an expiration date of estimated closing cost.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Cash to Close Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash To Close: Loan Estimate provided on XXXXX disclosed Estimated Cash to Close that does not match cash to close calculation. (Interim/XXXXX) LE issued on XXXXX reflects an estimated cash to close of XXXXX and LE estimated calculated cash to close is XXXXX the difference is XXXXX. The LE reads total closing cost is XXXXX x XXXXX = XXXXX. It appears the calculation used closing twice.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/XXXXX) LE issued on XXXXX page 2 in the calculating cash to close table reads estimated closing cost financed is XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) LE issued on XXXXX page XXXXX in the calculating cash to close table reads estimated closing cost financed is XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) LE issued on XXXXX page XXXXX in the calculating cash to close table reads estimated closing cost financed is XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) LE issued on XXXXX page XXXXX in the calculating cash to close table reads estimated closing cost financed is XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Final/XXXXX) Final CD issued on XXXXX and PCCD issued on XXXXX both did not disclose the # of months being collected in section F prepaids.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/XXXXX) Final CD issued on page XXXXX reflects in the calculating cash to close table in the closing cost financed line is blank.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/19/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/19/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance XXXXX-XXXXX Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): XXXXX XXXXX Tax Returns - The XXXXXs or XXXXX tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX,XXXXX XXXXX XXXXX, XXXXX/XXXXX) The tax returns used were not current based on the closing date. the filing of the extension does not make the stale returns current, it just means the consumer is deferring their filing with the IRS. Specifically the income being used to qualify is not based on recent returns   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/19/2018 CA Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-12): CDA provided with 0% variance. 12/12/2018     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) A Cure in the amount of XXXXX was provided on the post closing CD. To cure, provide LOE to borrower, evidence of deliver and copy of the check.   Reviewer Comment (2018-12-10): XXXXX received the Closing Statement indicating a cure of $XXXXX. Exception Cleared. Seller Comment (2018-12-07): Cure was given at close, no additional check to provide, final settlement statement in folder 12/10/2018     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186188 [Redacted] [Redacted] [Redacted] [Redacted] 12/10/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/XXXXX) The XXXXX CD does not indicate the amount of closing costs financed. Please provide corrected CD and LOE to cure.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-10): XXXXX received the Closing Statement indicating a cure of $XXXXX. Exception Cleared. 02/21/2019     1 A 05/19/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186189 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-12): CDA provided with 0% variance. 12/12/2018     1 A 01/18/2017 CA Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
205186189 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX overdisclosed a Total of Payments. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed a total of payments of XXXXX, calculated total of payments are XXXXX, resulting in a variance of XXXXX (Lender paid XXXXX for appraisal fee). . To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/18/2017 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186189 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Undisclosed Optional Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "optional" description. (Initial/XXXXX) Missing required "optional" verbiage on the following fee: (Title - Owner's Title Insurance)   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 01/18/2017 CA Primary Purchase Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186189 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Undisclosed Optional Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "optional" description. (Interim/XXXXX) Missing required "optional" verbiage on the following fee: (Title - Owner's Title Insurance)   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 01/18/2017 CA Primary Purchase Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186192 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Note and deed dated XXXXX with borrower signature date of XXXXX, final CD shows closing date of XXXXX   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/23/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186192 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year XXXXX of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) The PCCD lists the cost year XXXXX as XXXXX is XXXXX months of the total taxes and insurance monthly cost of XXXXX, the loan images are missing a letter from the lender to the borrower with the PCCD to verify mailed.   Reviewer Comment (2018-12-10): XXXXX received PCCD correcting the amount estimated property costs over 1 year and LOE. Exception Cured. Seller Comment (2018-12-07): PC CD on XXXXX disclosed correctly w/ letter attached   12/10/2018   2 B 05/23/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186192 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year XXXXX of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) The PCCD lists the cost year XXXXX as XXXXX is XXXXX months of the total taxes and insurance monthly cost of XXXXX, the loan images are missing a letter from the lender to the borrower with the PCCD to verify mailed.   Reviewer Comment (2018-12-10): XXXXX received PCCD correcting the amount of escrowed property costs over 1 year and LOE. Exception Cured. Seller Comment (2018-12-07): PC CD on XXXXX disclosed correctly w/ letter attached   12/10/2018   2 B 05/23/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186192 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) A Cure in the amount of XXXXX was provided at closing.       11/26/2018   1 A 05/23/2018 CA Primary Refinance - Rate/Term Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186192 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Not Have Escrow - Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXXX) The reason was not completed.   Reviewer Comment (2019-01-03): Lender cured on PCCD dated XXXXX. Reviewer Comment (2018-12-10): XXXXX received the PCCD however on page 4 the reason an escrow account is not present is not indicated. Please provide a corrected CD and LOE to cure. Seller Comment (2018-12-07): PC CD on XXXXX disclosed correctly w/ letter attached   01/03/2019   2 B 05/23/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186193 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/23/2017 DC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186193 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on XXXXX 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/XXXXX) Unable to determine. Missing Final Closing Disclosure signed by the Borrower on v   Reviewer Comment (2018-11-28): PCCD provided where cash to close in calculating cash to close table is $XXXXX and summaries transaction reads $XXXXX from borrower.   11/28/2018   2 B 01/23/2017 DC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186193 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (77201) Warehouse Fee was not disclosed on the initial LE but on the final CD reads XXXXX. It appears the borrower was not notified of this additional fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/23/2017 DC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186193 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Missing Document General Incomplete Document: Closing Disclosure is incomplete   File is missing a signed final CD from closing date of XXXXX.   Reviewer Comment (2018-12-21): Final CD XXXXX executed by borrowers was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-12-21): Please see Signed CD dated XXXXX Reviewer Comment (2018-12-19): File contains a CD that reflects a closing and disbursement date of XXXXX, however does not contain an issued date. Is this a valid CD as page 5 of is blank? Seller Comment (2018-12-17): There is a signed Final CD for XXXXX closing date, and then a Post Closing CD correcting, amongst other things, the closing date back to XXXXX in the file. 12/21/2018     1 A 01/23/2017 DC Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186193 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/XXXXX) File is missing a signed final CD, please provided an executed copy to determine seller paid fees.   Reviewer Comment (2018-12-21): Final CD XXXXX was provided in the trailing docs. CD XXXXX was not the final. Condition regarding seller fees on CD XXXXX no longer valid. 12/21/2018     1 A 01/23/2017 DC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186193 [Redacted] [Redacted] [Redacted] [Redacted] 12/21/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Fees exceed XXXXX and XXXXX tolerances and no cure was provided.   Reviewer Comment (2018-12-21): Client elects to waive.     12/21/2018 2 B 01/23/2017 DC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186195 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Credit Loan Package Documentation Application / Processing XXXXXDisaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXXdisaster.       Reviewer Comment (2018-12-18): Post Disaster Inspection Report XXXXX was provided in the trailing docs reflecting no exterior repairs required. Condition has been cleared. 12/18/2018     1 A 04/18/2018 CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186195 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Total Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year XXXXX of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX)     Reviewer Comment (2018-12-13): The amount of total property costs over 1 year is corrected on the final CD. Exception Cleared. Seller Comment (2018-12-12): The estimated property costs over 1 year is corrected on the final CD and therefore not a valid finding. 12/13/2018     1 A 04/18/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186195 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The PCCD provided corrects the closing date however there is no evidence a letter was sent to the borrower with the PCCD   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/18/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186196 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided   Flood Certification appears to be missing from the file.   Reviewer Comment (2018-12-05): Flood Certificate was provided in the trailing docs and reflects property is not in a special flood hazard area. Condition has been cleared. Seller Comment (2018-12-04): Uploaded Flood Cert 12/05/2018     1 A 01/31/2017 TX Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186196 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure provided on XXXXX did not disclose an inaccurate value by which the Total Closing Costs exceeded the legal limit.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/31/2017 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186196 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/XXXXX) Loan Estimate provided on XXXXX contained fees without the "Title-" description.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 01/31/2017 TX Primary Purchase Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186196 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) Loan Estimate provided on XXXXX contained fees without the "Title-" description.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 01/31/2017 TX Primary Purchase Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186196 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. No cure was provided to the borrower.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/31/2017 TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186196 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7506) Zero Percent Fee Tolerance exceeded for Appraisal Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient cure of XXXXX was provided to the borrower.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/31/2017 TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186196 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and there is no evidence that the appraisal was provided at or before closing.   Reviewer Comment (2018-12-04): Client elects to waive     12/04/2018 2 B 01/31/2017 TX Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186196 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy.   Calculated PITIA is less than required XXXXX months by XXXXX months at XXXXX months.   Reviewer Comment (2018-12-07): Upon further review, simultaneous second lien $XXXXX at closing. Final CD reflects cash to close $XXXXX. Assets $XXXXX. XXXXX months of reserves documented. Condition has been cleared. 12/07/2018     1 A 01/31/2017 TX Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186196 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Property Appraisal Reconciliation Value Discrepancy Loan is missing secondary valuation product required for securitization.   No Post Closing CDA found in file.   Reviewer Comment (2018-12-18): Provided 12/18/2018     1 A 01/31/2017 TX Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186199 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/20/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186199 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) See "Attorney Fees" fee in section C   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 04/20/2018 NJ Primary Purchase Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186199 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/XXXXX) See "Attorney Fees" fee in section C   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 04/20/2018 NJ Primary Purchase Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186199 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXXX/XXXXX/1972816) The Co-borrower's previous employment was not verified.   Reviewer Comment (2018-12-19): Client elects to waive     12/19/2018 2 B 04/20/2018 NJ Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205186200 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year XXXXX of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) The amount of escrows on the the Initial CD were less than the actual amounts.   Reviewer Comment (2018-12-12): Erroneous validation. Amount of Escrowed Property Costs over Year 1 was corrected on final CD. Seller Comment (2018-12-11): Escrows can change without issue/penalty; but did double check the Tax cert and the HOI bill, both match up to the initial escrow disc and the initial/final CD monthly amounts. 12/12/2018     1 A 05/29/2018 NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186200 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) There was no verification the borrower received a copy of the appraisal.   Reviewer Comment (2018-12-04): Client elects to waive     12/04/2018 2 B 05/29/2018 NC Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186201 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Credits TILA-RESPA Integrated Disclosure - Costs at Closing: Final Closing Disclosure provided on XXXXX disclosed Lender Credits that does not match Lender Credits on page 2. (Final/XXXXX) The Final Closing Disclosure provided on XXXXX disclosed A Lender Credit of XXXXX on page 2. The paid by other column reflects XXXXX and a cost to cure for XXXXX for a total XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/16/2018 GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186201 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX Residential Mortgage fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7330) A cure OF XXXXX was provided on page 3 of the CD.       11/29/2018   1 A 04/16/2018 GA Primary Purchase Final CD evidences Cure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186201 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7508) A cure OF XXXXX was provided on page 3 of the CD.       11/29/2018   1 A 04/16/2018 GA Primary Purchase Final CD evidences Cure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186201 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Credit TILA-RESPA Integrated Disclosure - Costs at Closing: Final Closing Disclosure provided on XXXXX disclosed a Lender Credit less than the legal limit exceeded on the Calculating Cash to Close table. (Final/XXXXX) The Final Closing Disclosure provided on XXXXX disclosed A Lender Credit of XXXXX on page 2. The paid by other column reflects XXXXX and a cost to cure for XXXXX for a total XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/16/2018 GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186201 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy.   The Lender guidelines require XXXXX months reserves, the loan file reflects XXXXX months reserves.   Reviewer Comment (2018-12-10): Upon further review, XXXXX IRA #XXXXX was only used towards reserves and therefore 100% of vested balanced qualifies for use as reserves only. A minimum of 12 months reserves was documented. Condition has been cleared. Seller Comment (2018-12-07): Investment & Retirement statements in file total 1008 required reserves of XXXXX months 12/10/2018     1 A 04/16/2018 GA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186201 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   No Post Closing CDA found in file.   Reviewer Comment (2018-12-17): Received a XXXXX desk review dated XXXXX which provided a value of $XXXXX a 0.00% variance from the appraised value of $XXXXX, value supported. 12/17/2018     1 A 04/16/2018 GA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186203 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2018-12-05): Flood Certificate was provided in the trailing docs and reflects property is not in a special flood hazard area. Condition has been cleared. Seller Comment (2018-12-04): see attached flood certificate 12/05/2018     1 A 03/23/2018 GA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186203 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/23/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186203 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7728) Title-Insurance Binder Fee Fee was not disclosed on the initial LE but on the final CD reads XXXXX. It appears the borrower was not notified of this additional fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-12-10): XXXXX confirmed title insurance binder fee paid to the same provider as the title policy and is not subject to tolerance. Exception cleared. 12/10/2018     1 A 03/23/2018 GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186203 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-17): Received a XXXXX desk review dated XXXXX which provided a value of $XXXXX a 0.00% variance from the appraised value of $XXXXX, value supported. 12/17/2018     1 A 03/23/2018 GA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186208 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance XXXXX- XXXXX Adherence Qualified Mortgage (Dodd-Frank 2014): Self Employed borrower's loan file contained tax returns that are not signed/dated, but the loan file contains the tax transcripts to evidence the tax returns were signed/dated at time of submission to the IRS.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/10/2018 UT Second Home Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205186208 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Final/XXXXX) The Final CD did not disclose how many months of homeowner's insurance was prepaid.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/10/2018 UT Second Home Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186208 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) There was no prepaid homeowner's insurance amount found on any LE nor a change listed on the change circumstance.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 05/10/2018 UT Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186208 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Initial/XXXXX) The Interim CD did not disclose how many months of homeowner's insurance was prepaid.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 05/10/2018 UT Second Home Purchase Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186208 [Redacted] [Redacted] [Redacted] [Redacted] 11/26/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on 0XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Interim/XXXXX) The Interim CD did not disclose how many months of homeowner's insurance was prepaid.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 05/10/2018 UT Second Home Purchase Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186208 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7200) Lender provided cure at closing.       11/29/2018   1 A 05/10/2018 UT Second Home Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186209 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final Closing Disclosure provided on XXXXX disclosed a Closing Date of XXXXX that did not match the actual date of consummation of XXXXX. This was corrected on the Post Closing CDs dated XXXXX and XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/13/2017 CA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186209 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Final/XXXXX) Final Closing Disclosure provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. Corrected in the PCCD dated XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 04/13/2017 CA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186209 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure provided on XXXXX did not disclosed an amount by which the Total Closing Costs exceeded the legal limit. This was corrected in the PCCD dated XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/13/2017 CA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186209 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower on Initial CD or LEs..   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 04/13/2017 CA Primary Refinance - Limited Cash-out GSE Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186209 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/XXXXX) Calculating Cash to Close: Closing Disclosure provided on XXXXX did not disclosed a Closing Costs Financed amount.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 04/13/2017 CA Primary Refinance - Limited Cash-out GSE Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186209 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7506) Zero Percent Fee Tolerance exceeded for Appraisal Fee Amount of XXXXX exceeds tolerance of XXXXX. No cure or valid Change of Circumstance was provided to the borrower at closing. CoC dated XXXXX addresses increase in Appraisal Fee. Post Closing CD dated XXXXX reflected a XXXXX Lender Credit for this fee.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/13/2017 CA Primary Refinance - Limited Cash-out GSE Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186209 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-18): Provided 12/18/2018     1 A 04/13/2017 CA Primary Refinance - Limited Cash-out GSE   C B A A B B C A Safe Harbor QM Safe Harbor QM No
205186212 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.       Reviewer Comment (2018-12-12): Post Disaster Inspection Report XXXXX was provided in the trailing docs reflecting property appears in good condition with no repairs. Condition has been cleared. Reviewer Comment (2018-12-12): Post Disaster Inspection Report was not provided. Condition remains. Seller Comment (2018-12-07): N/A - XXXXX to order 442 12/12/2018     1 A 01/22/2018 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186212 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-20): Secondary valuation provided within tolerance. Exception cleared. 12/20/2018     1 A 01/22/2018 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186212 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) Hazard policy reads annual premium for XXXXX months is XXXXX. Final CD in section F reads XXXXX months and collected XXXXX. In section G reads monthly hazard is XXXXX x XXXXX= XXXXX. The difference in section F & G are XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 01/22/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186212 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Initial/XXXXX) Hazard policy reads annual premium for XXXXX months is XXXXX. Final CD in section F reads XXXXX months and collected XXXXX. In section G reads monthly hazard is XXXXX x XXXXX = XXXXX. The difference in section F & G are XXXXX.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 01/22/2018 CA Primary Purchase Good Faith Redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186212 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Interim/XXXXX) Final CD monthly hazard is XXXXX and LE reflects $XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 01/22/2018 CA Primary Purchase Good faith redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186212 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Please provide evidence of cure/ re-disclosure as the Seller Closing Disclosure was not located in the file   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/22/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186214 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Only one valuation in the file.   Reviewer Comment (2018-12-20): Desk Review provided with no variance. Exception cleared. 12/20/2018     1 A 03/27/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186214 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Closing date was listed as XXXXX but the borrower's signed on XXXXX. This was corrected on the post closing CD.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/27/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186214 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year XXXXX of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Non-escrowed property costs over XXXXX year on CD of XXXXX/XXXXX = XXXXXappears to based on monthly hazard of XXXXX and XXXXX taxes, however, the monthly Hazard XXXXX per file documentation. To clear, provide evidence of XXXXX. monthly Hazard, or to cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2019-01-03): Lender cured on PCCD dated XXXXX. Reviewer Comment (2018-12-17): If lender was aware of earthquake coverage that the borrower chose to pay, it should have been included as a cost. PCCD will be needed to cure. Issue remains. Seller Comment (2018-12-17): The CD is correct as the $XXXXX amount includes the optional earthquake insurance that the borrower will pay, thus $XXXXX/mo is right   01/03/2019   2 B 03/27/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186214 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) The HOI premium was not listed on the LE's that were disclosed to the borrower.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 03/27/2018 CA Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186214 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Non Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year XXXXX of XXXXX on Interim Closing Disclosure provided on XXXXXnot accurate. (Initial/XXXXX) Non-escrowed property costs over XXXXXyear on CD of XXXXX/XXXXX = XXXXXappears to based on monthly hazard of XXXXX and XXXXX taxes, however, the monthly Hazard XXXXX per file documentation. To clear, provide evidence of XXXXX. monthly Hazard, or to cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 03/27/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186214 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) There was a credit of XXXXX given at closing.       11/28/2018   1 A 03/27/2018 CA Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/0XXXXX) Calculated Finance Charge is XXXXX and Final CD Finance Charge is XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/05/2017 VA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX underdisclosed a Total of Payments. (Final/XXXXX) Final CD reflects TOP amount of XXXXX and calculated amount is XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/05/2017 VA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Due to tolerance violations.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/05/2017 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. not in loan file   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/05/2017 VA Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Non Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year XXXXX of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) The closing CD has the correct figures.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/05/2017 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose figures for prepaid interest under Prepaids. (Initial/XXXXX) The dates were not included   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/05/2017 VA Primary Purchase Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Discount Point Percentage TILA-RESPA Integrated Disclosure - Loan Costs: Loan Estimate provided on XXXXX disclosed a Discount Point percentage that does not match calculated percentage of loan amount. (Interim/XXXXX) XXXXX XXXXX percentage does not match calculated percentage of loan amount.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/05/2017 VA Primary Purchase Good faith redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Interim/XXXXX) Prepaids that does not match amount per month calculation.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/05/2017 VA Primary Purchase Good faith redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX disclosed prepaid interest under Prepaids that does not match calculated figures. (Initial/XXXXX) The actual cost using XXXXX days at XXXXX is XXXXX. The LE rounded to XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/05/2017 VA Primary Purchase Good faith redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate XXXXX received on or after the date the Closing Disclosure XXXXX XXXXX XXXXX was received. (Interim/XXXXX) LE is not signed to determine if the borrower received prior to the interim CD dated XXXXX   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/05/2017 VA Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) not in file   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/05/2017 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Insufficient cure provided.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/05/2017 VA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186215 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify XXXXX years employment history for current and/or prior employment. (XXXXX/XXXXX/1979644) The file is missing a third party verification of employment dates for the prior employers   Reviewer Comment (2018-12-19): Client elects to waive     12/19/2018 2 B 05/05/2017 VA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.       Reviewer Comment (2018-12-12): Post Disaster Inspection Report XXXXX was provided in the trailing docs and reflects no damage and exterior in good condition. Condition has been cleared. 12/12/2018     1 A 12/27/2017 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Dwelling coverage is XXXXX total estimate of cost-new is XXXXX, loan amount is XXXXX.   Reviewer Comment (2018-12-11): Estimated Reconstruction Cost was provided in the trialing docs reflecting an estimated reconstruction cost of $XXXXX. Dwelling coverage $XXXXX. Condition has been cleared. Seller Comment (2018-12-11): See page 4 of HOI insurance; page 4 is the acceptable estimated cost of replacement per HOI agent; added to folder 12/11/2018     1 A 12/27/2017 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Insurance Insurance Analysis The Flood Insurance Policy effective date is after the Note Date. Flood Insurance Policy Effective Date ___, Note Date ___ The loan closed XXXXX and disbursed XXXXX.   Reviewer Comment (2018-12-11): Upon further review, Flood insurance effective date XXXXX. Disbursement date XXXXX. Condition has been cleared. Seller Comment (2018-12-11): XXXXX Insurance Start date is based on Disbursement date, not signing date 12/11/2018     1 A 12/27/2017 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date: ___ The loan closed XXXXX and disbursed XXXXX   Reviewer Comment (2018-12-11): Upon further review, Hazard insurance effective date XXXXX. Disbursement date XXXXX. Condition has been cleared. Seller Comment (2018-12-11): XXXXX Insurance Start date is based on Disbursement date, not signing date 12/11/2018     1 A 12/27/2017 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XXXXX) The calculated finance charge is XXXXX and the final CD finance charge is XXXXX for a variance of XXXXX.   Reviewer Comment (2018-12-14): Upon further review, optional Escrow Pad fee listed in Section H of Final CD is not considered a prepaid finance charge. Condition has been cleared. 12/14/2018     1 A 12/27/2017 CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final Closing Disclosure provided disclosed XXXXX as value of dollar amount the Total Closing Cost exceeded legal limit which is inaccurate.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 12/27/2017 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1XXXXX of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) Amount of Escrowed Property Cost over Year XXXXX is XXXXX, the actual is XXXXX for Year XXXXX.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope Reviewer Comment (2018-12-10): Upon further review, the accurate escrow amount at consummation should have been $XXXXX annually. 12/13/2018     1 A 12/27/2017 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) Document Prep fee is not Title fee on Loan Estimate.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 12/27/2017 CA Primary Purchase Good Faith Redisclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/XXXXX) Document Prep fee is not Title fee on Loan Estimate.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 12/27/2017 CA Primary Purchase Good Faith Redisclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Within Three Days of Rate Lock TILA-RESPA Integrated Disclosure: Revised Loan Estimate not provided within three (XXXXX) business days of rate lock. Re-disclosure date violation.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 12/27/2017 CA Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7520) The cost of cure of the Credit Report fee of XXXXX exceeding the tolerance of XXXXX was provided to the borrower.   Reviewer Comment (2018-12-12): $XXXXX cure provided to the borrower at closing for increase in the credit report fee. Seller Comment (2018-12-11): XXXXX - final CD dated XXXXX reflects $XXXXX credit to cover this issue; added final CD with highlighted credit to folder 12/12/2018     1 A 12/27/2017 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID - Fee Tolerance Cure Timing TILA-RESPA Integrated Disclosure: Closing Disclosure cure for tolerance violation provided outside of XXXXX days after consummation. (Post-Close/XXXXX) Second post closing CD sent to borrower on XXXXX, cure was also reported on XXXXX post closing CD.   Reviewer Comment (2018-12-17): Cure of $XXXXX for credit report tolerance violation was provided at closing. No further cure was required. Issue cleared. 12/17/2018     1 A 12/27/2017 CA Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186218 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Post Closing CDA not found in file.   Reviewer Comment (2018-12-20): Desk review provided with no variance. Exception cleared. 12/20/2018     1 A 12/27/2017 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186226 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/XXXXX) The final CD does not disclose the amount of Closing Costs Financed in the Calculating Cash to Close section of page 3.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/23/2018 GA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186226 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/0XXXXX) The initial CD does not disclose the amount of Closing Costs Financed in the Calculating Cash to Close section of page 3.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/23/2018 GA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186226 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) The LE disclosed XXXXX for Estimated Closing Costs Financed in the Calculating Cash to Close section of pg XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/23/2018 GA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186226 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) The LE disclosed XXXXX for Estimated Closing Costs Financed in the Calculating Cash to Close section of pg XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/23/2018 GA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186226 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) The LE disclosed XXXXX for Estimated Closing Costs Financed in the Calculating Cash to Close section of pg XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/23/2018 GA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186226 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/XXXXX) The LE disclosed XXXXX for Estimated Closing Costs Financed in the Calculating Cash to Close section of pg XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/23/2018 GA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186226 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX Residential Mortgage Act. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7330)         11/28/2018   1 A 05/23/2018 GA Primary Refinance - Cash-out - Other Final CD evidences Cure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186226 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX)     Reviewer Comment (2018-12-05): Client elects to waive.     12/05/2018 2 B 05/23/2018 GA Primary Refinance - Cash-out - Other   C B A A B B C A Safe Harbor QM Safe Harbor QM No
205186226 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing Post Closing CDA required for securitization.   Reviewer Comment (2018-12-17): Received a XXXXX desk review dated XXXXX which provided a value of $XXXXX a 0.00% variance from the appraised value of $XXXXX, value supported. 12/17/2018     1 A 05/23/2018 GA Primary Refinance - Cash-out - Other   C B A A B B C A Safe Harbor QM Safe Harbor QM No
205186229 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower. Not in file.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/25/2017 CA Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186229 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Borrower closed on XXXXX. Date on final CD is XXXXX. All other docs such as note and security instrument also have XXXXX. PCCD has the a closing date of XXXXX. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/25/2017 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186229 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/XXXXX) No Financed closing costs were shown on CD. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/25/2017 CA Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186229 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/XXXXX) No Financed closing costs were shown on LE. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/25/2017 CA Primary Refinance - Cash-out - Debt Consolidation Good faith redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186232 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Recording Fee was disclosed on the initial LE in the amount of XXXXX but on the final CD reads $560.00. It appears the borrower was not notified of this increased fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver   Reviewer Comment (2019-01-03): Overage is due to seller paid portion - N/A Seller Comment (2019-01-03): final CD shows borrower paying $XXXXX for the recording fees, thus a CoC isn't required Reviewer Comment (2018-12-10): Baseline for recording fee from LE is $XXXXX which the total to be charged. Seller paid fees are included in testing. The cure is a Corrected CD, LOE, Copy of Refund Check and Proof of Delivery. Seller Comment (2018-12-07): CD issued on XXXXX discloses $XXXXX with seller paying $XXXXX - Line E 1. / 2. 01/03/2019     1 A 05/17/2018 NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186232 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/17/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186232 [Redacted] [Redacted] [Redacted] [Redacted] 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) Per LE provided dated XXXXX, this line does not exist on the LE. Cannot input any information.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/17/2018 NJ Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186232 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Total Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) CD issued on XXXXX reads Estimated Property Costs over Year XXXXX of XXXXX/XXXXX months = XXXXX, however on final CD reads $XXXXX/XXXXX mos. =XXXXX, the difference is XXXXX.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope Reviewer Comment (2018-12-10): Non-escrowed property costs are disclosed as a full 12 months. $XXXXX x 12 = $XXXXX. A Corrected CD and LOE are required to cure. Seller Comment (2018-12-07): CDs issued on XXXXX and XXXXX state XXXXX 12/13/2018     1 A 05/17/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186233 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The replacement coverage is insufficient. Short coverage by XXXXX   Reviewer Comment (2018-12-11): Replacement cost estimate was provided in the trailing docs reflecting an estimated replacement cost of $XXXXX. Dwelling coverage $XXXXX with 20% extended coverage. Condition has been cleared. 12/11/2018     1 A 03/09/2018 DC Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186233 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX) Could not locate proof that the borrower's received a copy of the appraisal.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/09/2018 DC Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186235 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 0XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The Closing date on the CD is XXXXX, the loan closed on XXXXX. The date was corrected on post-close CD missing LOE and delivery confirmation to the borrower.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/14/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186235 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Final/0XXXXX) This was corrected on post-close CD missing LOE and delivery confirmation to the borrower.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/14/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186235 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Initial/XXXXX) This was corrected on post-close CD missing LOE and delivery confirmation to the borrower.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 04/14/2018 CA Primary Purchase Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186235 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing post-close desk review   Reviewer Comment (2018-12-20): Desk Review provided with no variance. Exception cleared. 12/20/2018     1 A 04/14/2018 CA Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
205186237 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date: ___ The Notary date is XXXXX, the disbursement date was XXXXX the Hazard insurance effective date is XXXXX. The file is missing evidence of the actual disbursement date to determine the HOI policy was in effect at the time of closing.   Reviewer Comment (2019-01-03): Loan disbursed on XXXXX. Policy was in effect at the time of disbursement. Issue cleared. Seller Comment (2019-01-03): Disagree - per PC CD closing date was XXXXX and disbursement date was XXXXX. Reviewer Comment (2018-12-10): Cleared in error. Reviewer Comment (2018-12-10): Upon further review the exception is cleared. Seller Comment (2018-12-07): Disagree - per PC CD closing date was XXXXX and disbursement date was XXXXX. 01/03/2019     1 A 02/20/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186237 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The CD was signed on XXXXX but it is dated XXXXX   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 02/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186237 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) The CD reflects XXXXX months collected for Hazard Insurance, it should reflect XXXXX months.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 02/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186237 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Initial/XXXXX) The CD reflects XXXXX months collected for Hazard Insurance, it should reflect XXXXX months.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 02/20/2018 CA Primary Purchase Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186237 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Non Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) The non-escrowed amount over XXXXX year should be XXXXX based on the monthly Homeowners Association fee of XXXXX per month. The year XXXXX cost for the non escrow HOA at XXXXX was calculated at XXXXX months.   Reviewer Comment (2018-12-10): Upon further review the exception is cleared. 12/10/2018     1 A 02/20/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186239 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Originator loan designation is Safe Harbor QM.   Reviewer Comment (2018-12-14): Documentation in file meets XXXXX. Exception cleared. 12/14/2018     1 A 03/26/2018 MA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186239 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/XXXXX) Closing disclosure indicates XXXXX in closing costs being finance   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/26/2018 MA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186239 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/XXXXX) Closing disclosure indicates $0 in closing costs being finance   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 03/26/2018 MA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186239 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) Loan estimate indicates XXXXX in closing costs being finance   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 03/26/2018 MA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186239 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/XXXXX) Loan estimate indicates XXXXX in closing costs being finance   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 03/26/2018 MA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186239 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance XXXXX-XXXXX Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): XXXXX-XXXXX income documentation not sufficient (XXXXX-XXXXX). (XXXXX,XXXXX XXXXX XXXXX XXXXX/XXXXX-XXXXX)     Reviewer Comment (2018-12-14): Documentation in file meets XXXXX. Exception cleared. Seller Comment (2018-12-07): Tax returns filed as 1120S. Borrower listed as XXXXX 12/14/2018     1 A 03/26/2018 MA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186240 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year XXXXX of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) The monthly escrow from p1 of the CD of XXXXX totals XXXXX per year; the Final CD reflected XXXXX.   Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope Seller Comment (2018-12-07): CDs issued on XXXXX & XXXXX correctly list escrow 12/10/2018     1 A 06/21/2018 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186240 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Initial/XXXXX) Homeowners insurance prepaid amount of XXXXX results in a monthly amount of XXXXX; the Prepaid HOI was accrued at $XXXXX/mo.   Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope 12/10/2018     1 A 06/21/2018 PA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186240 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Property Property - Appraisal General Appraisal Requirements Valuation Exception:   The Appraisal indicates the subject is in Flood Zone XXXXX, while the Flood Certificate reflects zone XXXXX; confirmed that the Flood Map used by the Appraiser (XXXXX dated XXXXX) matches the Flood Certificate in file. Please provide an updated appraisal reflecting the correct Flood Zone.   Reviewer Comment (2019-01-03): XXXXX: 2055 provided reflects XXXXX zone XXXXX XXXXX map # XXXXX and XXXXX map date XXXXX which all matches the flood determination. Reviewer Comment (2018-12-31): 2055 dated XXXXX reflects flood zone X, conditions remains. Reviewer Comment (2018-12-10): Updated appraisal with corrected flood zone was not provided. Condition remains. Seller Comment (2018-12-07): Borrower has flood insurance on home, regardless of appraisal. 01/03/2019     1 A 06/21/2018 PA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186240 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX) Proof of receipt of appraisal was not located in the file.   Reviewer Comment (2018-12-04): Client elects to waive     12/04/2018 2 B 06/21/2018 PA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186241 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 06/14/2018 GA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186241 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit System General Insurance address does not match Note address.   Insurance lists the city as XXXXX and the note lists the city as XXXXX XXXXX.   Reviewer Comment (2018-12-10): XXXXX Zip code verification reflects XXXXX and XXXXX are both recognized city names for addresses in zip code XXXXX. Condition has been cleared. 12/10/2018     1 A 06/14/2018 GA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186242 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-20): Desk review provided with no variance. Exception cleared. 12/20/2018     1 A 05/24/2018 WA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186242 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The Closing date on the CD is XXXXX, and the loan closed on XXXXX   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/24/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186242 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided       Reviewer Comment (2018-12-05): 1008 in file. Exception cleared. 12/05/2018     1 A 05/24/2018 WA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186244 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Initial/XXXXX) The Loan Estimate disclosed XXXXX collected for homeowner's insurance premium under Prepaids, however did not provide the number of months.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/31/2018 FL Primary Purchase Good faith redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186244 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Interim/XXXXX) The Loan Estimate disclosed XXXXX collected for homeowner's insurance premium under Prepaids, however did not provide the number of months.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/31/2018 FL Primary Purchase Good faith redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186244 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Interim/XXXXX) The Loan Estimate disclosed XXXXX collected for homeowner's insurance premium under Prepaids, however did not provide the number of months.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/31/2018 FL Primary Purchase Good faith redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186244 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Interim/XXXXX) The Loan Estimate disclosed XXXXX collected for homeowner's insurance premium under Prepaids, however did not provide the number of months.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/31/2018 FL Primary Purchase Good faith redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186244 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) The Seller CD was not provided in the loan file.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/31/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186244 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) The LE disclosed a Survey/Boundary/Pinning Fee in the amount of XXXXX in Section H, which did not included the "Title-" description.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/31/2018 FL Primary Purchase Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186244 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/XXXXX) The LE disclosed a Survey/Boundary/Pinning Fee in the amount of XXXXX in Section H, which did not included the "Title-" description.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/31/2018 FL Primary Purchase Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186244 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/XXXXX) The LE disclosed a Survey/Boundary/Pinning Fee in the amount of XXXXX in Section H, which did not included the "Title-" description.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/31/2018 FL Primary Purchase Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186244 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/XXXXX) The LE disclosed a Survey/Boundary/Pinning Fee in the amount of XXXXX in Section H, which did not included the "Title-" description.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/31/2018 FL Primary Purchase Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186245 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) The initial CD disclosed a monthly escrow payment of XXXXX and Escrowed Property Costs over Year XXXXX as XXXXX / XXXXX =XXXXX months, however the final CD page XXXXX reflects an estimates hazard and insurance of XXXXX and page XXXXX Escrowed Property Costs over Year XXXXX reads XXXXX / XXXXX = XXXXX which should have been reflected on interim CD issued on XXXXX.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 10/03/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186245 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/XXXXX) Land Survey Fee was listed in section C that did not contain the "Title-" description.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 10/03/2018 VA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186245 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/XXXXX) Land Survey Fee was listed in section C that did not contain the "Title-" description.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 10/03/2018 VA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186245 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) Land Survey Fee was listed in section C that did not contain the "Title-" description.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 10/03/2018 VA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186245 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) The appraisal report is dated XXXXX. The Disclosure Summary in file shows the appraisal was sent to the borrower on XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive.     12/05/2018 2 B 10/03/2018 VA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186246 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-20): Desk Review provided with no variance. Exception cleared. 12/20/2018     1 A 08/23/2018 TX Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
205186246 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX)     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/23/2018 TX Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
205186246 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXXX/XXXXX/XXXXX) Missing VVOE for previous employment.   Reviewer Comment (2018-12-19): Client elects to waive     12/19/2018 2 B 08/23/2018 TX Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
205186246 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) LE does not include date for closing cost expiration.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/23/2018 TX Primary Purchase Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186246 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) LE does not include date for closing cost expiration.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/23/2018 TX Primary Purchase Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186246 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/XXXXX) Survey fee does not include "Title-".   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/23/2018 TX Primary Purchase Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186246 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/XXXXX) Survey fee does not include "Title-".   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/23/2018 TX Primary Purchase Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186246 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) Survey fee does not include "Title-".   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/23/2018 TX Primary Purchase Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205186248 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.   No appraisal in file that is current.   Reviewer Comment (2018-12-13): Post Disaster Inspection Report XXXXX was provided in the trailing docs and reflects property maintained with no repairs noted. Condition is cleared. 12/13/2018     1 A 03/30/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186248 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The PCCD dated XXXXX reflects the correct closing date of XXXXX, however a letter to the borrower explaining the error was not provided.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/30/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186248 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Seller fees are to be included in tolerance testing. Tolerance violation is due to seller paid fees being included in testing.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/30/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186248 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Seller fees are to be included in tolerance testing. Tolerance violation is due to seller paid fees being included in testing.   Reviewer Comment (2018-12-17): Overage is due to seller paid portion - N/A Seller Comment (2018-12-14): Seller paid fees are not subject to tolerance cures. Which was verified with XXXXX compliance. 12/17/2018     1 A 03/30/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186248 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Property Appraisal Reconciliation Value Discrepancy Loan is missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-20): Desk Review provided with no variance. Exception cleared. 12/20/2018     1 A 03/30/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186248 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Credit Assets Asset Calculation / Analysis Guideline Requirement: Available for Reserves discrepancy.   The borrower funds to close are from XXXXX XXXXX which are not included in the reserves. Currently per guidelines XXXXX UPB is required for reserves of XXXXX. The file is missing either an exception for the use of gift funds for reserves or additional borrower funds to support reserves.   Reviewer Comment (2018-12-12): Upon further review, guidelines reflect gift funds may fund all or part of the down payment, closing costs or reserves. Condition has been cleared. Seller Comment (2018-12-07): XXXXX guidelines allow the use of gift funds for reserves. XXXXX also allows. Funds to close $XXXXX plus EMD $XXXXX = $XXXXX; Balance in XXXXX (remainder of gift) $XXXXX minus $XXXXX = $XXXXX. This figure is more than XXXXX months reserves. 12/12/2018     1 A 03/30/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186248 [Redacted] [Redacted] [Redacted] [Redacted] 12/12/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.       Reviewer Comment (2018-12-18): Post Disaster Inspection Report XXXXX was provided in the trailing docs and reflects property maintained with no repairs noted. Condition is cleared. 12/18/2018     1 A 03/30/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XXXXX used as disbursement date for compliance testing. The Closing Disclosure was not found in the loan file.   Reviewer Comment (2018-12-04): Client elects to waive.     12/04/2018 2 B 04/26/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Closing Disclosures in the Loan File TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. No Closing Disclosure was found in the file.   Reviewer Comment (2018-12-10): XXXXX received required documents, exception cleared. 12/10/2018     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) This information was not reflected on the final Loan Estimate.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX,XXXXX XXXXX XXXXX XXXXX of XXXXX XXXXX, XXXXX/XXXXX-XXXXX) The most current tax returns were not provided, however the Borrower filed a tax extension.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/26/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance Right of Rescission Timing - Receipt Date Missing Missing Final Closing Disclosure Received Date. Unable to determine compliance with rescission timing requirements. A Final Closing Disclosure was not provided.   Reviewer Comment (2018-12-10): XXXXX received required documents, exception cleared. 12/10/2018     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/XXXXX) The closing costs financed should be XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other Good faith redisclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) The closing costs financed should be XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other Good faith redisclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. (XXXXX,XXXXX XXXXX XXXXX XXXXX of XXXXX XXXXX, XXXXX/XXXXX-XXXXX) Borrowers filed extension for XXXXX returns   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/26/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Income / Employment Income Documentation Income Docs Missing:   The loan file includes XXXXX for XXXXX XXXXX XXXXX. The XXXXX reflect negative income. Please provide proof that XXXXX XXXXX XXXXX is not owned by the Borrower or a re-calculation of income will be required.   Reviewer Comment (2018-12-11): Upon further review, XXXXX K1 for XXXXX reflects it is the Final K1 for both borrowers. 1040s also reflect sale of XXXXX goodwill, equipment and lease on XXXXX. Condition has been cleared. Seller Comment (2018-12-11): XXXXX K1 provided states it's a Final K1; negative income is not required to be used. 12/11/2018     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing secondary valuation product required for securitization.   Reviewer Comment (2018-12-20): Desk Review provided with no variance. Exception cleared. 12/20/2018     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX XXXXX XXXXX, Borrower: XXXXX XXXXX XXXXX     Reviewer Comment (2018-12-20): XXXXX K-1 and XXXXX 1120s are not required. Loan file contains XXXXX and XXXXX 1120s and K-1s. XXXXX requirements met. Exception cleared. 12/20/2018     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 12/10/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Notary date on Security Instrument reflects consummation date of XXXXX.   Reviewer Comment (2018-12-19): Client elects to waive     12/19/2018 2 B 04/26/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 12/11/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) Property costs on Final CD set for 11 months.   Reviewer Comment (2018-12-11): Property costs were set at XXXXX months, exception cleared. 12/11/2018     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 12/11/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Non Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) The annual cost for hazard insurance is XXXXX. The amount shown on the XXXXX CD is XXXXX. This information is not consistent with the binder located in the loan file.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 12/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Final/XXXXX) The number of months for prepaid property tax collected was left blank on the XXXXX CD.   Reviewer Comment (2018-12-19): Client elects to waive     12/19/2018 2 B 04/26/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 12/11/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) No change of circumstance was provided to account for the fee adjustment.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 12/11/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Lender Credits TILA-RESPA Integrated Disclosure - Costs at Closing: Closing Disclosure provided on XXXXX disclosed Lender Credits that does not match Lender Credits on page 2. (Initial/XXXXX) No changed circumstance was provided to justify the lender credit amount disclosed on the XXXXX CD.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 12/11/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) No evidence was located in the loan file indicating the borrower had been notified of the fee changes.   Reviewer Comment (2018-12-20): Fees reconciled and moved to section b as borrower did not shop Seller Comment (2018-12-19): Borrower was given a credit on the final CD; and additional credit on a PC CD; Comparing fees between LE XXXXX(received change of circumstance) and final CD any fee that changed decreased 12/20/2018     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 12/11/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure was provided, but no amount over legal fees were disclosed in section J or calculating cash to close.   Reviewer Comment (2018-12-19): Client elects to waive     12/19/2018 2 B 04/26/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186252 [Redacted] [Redacted] [Redacted] [Redacted] 12/11/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/XXXXX) No figure was provided on page 3 of the XXXXX CD.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 02/21/2019     1 A 04/26/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186255 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Missing Document: Note - Subordinate Lien not provided   Unable to locate in the loan file.   Reviewer Comment (2018-12-05): Home Equity Line of Credit Consumer Open-End Agreement was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-12-04): The attached subordinate documents were in the original due diligence file. I am re-uploading for your review. 12/05/2018     1 A 04/02/2018 NC Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186255 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller Change - Seller Credit TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether there was a change in the Seller Credit. (Final/XXXXX) TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether there was a change in the Seller Credit. (Final/XXXXX)   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/02/2018 NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186255 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure With Seller Change - Seller Credit TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX incorrectly disclosed whether there was a change in the Seller Credit. (Initial/XXXXX) TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX incorrectly disclosed whether there was a change in the Seller Credit. (Initial/XXXXX)   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 04/02/2018 NC Primary Purchase Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186256 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Assets Asset Documentation Missing Document: Asset Documentation not provided   Per guidelines, missing letter from Borrowers or XXXXX stating withdrawal from XXXXX assets will not have a negative impact on the XXXXX   Reviewer Comment (2018-12-14): Upon further, guidelines reflect use of business assets require cash flow analysis with liquidity ratio > 1. Cash flow analysis was provided for both reflecting liquidity ratio > 1. Condition has been cleared. Seller Comment (2018-12-14): XXXXX guidelines do not require this. Only need to perform a cash analysis which is in the file. Reviewer Comment (2018-12-05): Missing letter from Borrowers or CPA stating withdrawal from business assets will not have a negative impact on the business. Condition remains. Seller Comment (2018-12-04): Banks statements (Asset documentation) included in original due diligence file. I am re-uploading for your review. Please advise if you are requesting something other than the bank statements. 12/14/2018     1 A 04/12/2018 TX Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186256 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) Valuation provided to applicant on XXXXX prior to the date of XXXXX when valuation was signed. Valuation performed XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive.     12/05/2018 2 B 04/12/2018 TX Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186256 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Insurance Insurance Analysis Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.   Hazard Insurance policy does not list "Lender its successors and assigns".   Reviewer Comment (2018-12-12): Notice of Change of Servicer dated XXXXX has XXXXX Seller Comment (2018-12-12): The Mortgagee change letter for Hazard Insurance lists ISAOA/ATIMA. This is not needed on the previous policy. 12/12/2018     1 A 04/12/2018 TX Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186257 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The Closing date on the Final CD was XXXXX, and the file actually closed on XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/21/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186257 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Signing Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (75200)         11/30/2018   1 A 03/21/2018 AZ Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186257 [Redacted] [Redacted] [Redacted] [Redacted] 12/18/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least XXXXX.   Desk Review dated XXXXX is Inconclusive.   Reviewer Comment (2018-12-31): Desk Review dated XXXXX has a value of $XXXXX with a 0% variance. 12/31/2018     1 A 03/21/2018 AZ Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205186258 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Required post-close valuation was not evidenced in the loan file.   Reviewer Comment (2018-12-20): Desk Review provided with no variance. Exception cleared. 12/20/2018     1 A 05/02/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186258 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Unable to locate a valid change of circumstance or a sufficient cure to the borrower.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/02/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186258 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/XXXXX) The loan estimate disclosed the estimated closing costs financed as XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/02/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186258 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) The loan estimate disclosed the estimated closing costs financed as XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/02/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186258 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Other Costs Total Section F (Prepaids) TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX disclosed Total Prepaids that does not match sum of fees. (Interim/XXXXX) The disclosed total of XXXXX does not match the calculated total of XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/02/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186258 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) Information was not provided.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/02/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186258 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (XXXXX XXXXX). (XXXXX,XXXXX XXXXX/XXXXX XXXXX) Missing balance sheet as required by Appendix Q.   Reviewer Comment (2018-12-07): YTD balance sheet was provided in the trailing docs. Condition has been cleared. 12/07/2018     1 A 05/02/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186258 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Due to XXXXX XXXXX YTD and income documentation exceptions.   Reviewer Comment (2018-12-07): YTD balance sheet was provided in the trailing docs. Condition has been cleared. 12/07/2018     1 A 05/02/2018 CA Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186258 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7520) A post close cure was provided on XXXXX but the loan file is missing a copy of the check of verification of receipt to the borrower.   Reviewer Comment (2018-12-21): XXXXX received Final ALTA Settlement Statement reflecting the tolerance cure of $XXXXX completed at funding. No check or Letter of Explanation is needed. Reviewer Comment (2018-12-10): XXXXX received the PCCD dated XXXXX. A Letter of Explanation, Proof of Delivery and a Copy of Refund Check is still required in order to address the exception. 12/21/2018     1 A 05/02/2018 CA Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller CD not present in the file   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/29/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided       Reviewer Comment (2018-12-05): 1008 in file. Exception cleared. 12/05/2018     1 A 08/29/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Amount shown is based on 11 months of escrowed payments.   Reviewer Comment (2018-12-12): XXXXX received final CD dated XXXXX. Reviewer Comment (2018-12-12): HOI dec page shows annual premium of $XXXXX or $XXXXX/mo. Final CD shows HOI premium at $XXXXX or $XXXXX/mo. A PCCD dated XXXXX was provided showing the HOI premium corrected on page 2. However, the total estimated property costs on page 1 do not match. The variance is in the HOA dues of $XXXXX/mo as shown on appraisal which is what was used for testing. Loan Transmittal shows $XXXXX/mo. Evidence of the higher monthly HOA dues is required or a Corrected CD and Letter of Explanation is required to cure. 12/12/2018     1 A 08/29/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. Xxx The escrowed payments do not include the monthly HOA.   Reviewer Comment (2018-12-12): XXXXX received final CD dated XXXXX. Reviewer Comment (2018-12-12): HOI dec page shows annual premium of $XXXXX or $XXXXX/mo. Final CD shows HOI premium at $XXXXX or $XXXXX/mo. A PCCD dated XXXXX was provided showing the HOI premium corrected on page 2. However, the total estimated property costs on page 1 do not match. The variance is in the HOA dues of $XXXXX/mo as shown on appraisal which is what was used for testing. Loan Transmittal shows $XXXXX/mo. Evidence of the higher monthly HOA dues is required or a Corrected CD and Letter of Explanation is required to cure. 12/12/2018     1 A 08/29/2018 MD Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. xxxx The escrowed payments do not include the monthly HOA.   Reviewer Comment (2018-12-12): XXXXX received final CD dated XXXXX. 12/12/2018     1 A 08/29/2018 MD Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) The escrowed payments do not include the monthly HOA.   Reviewer Comment (2018-12-12): XXXXX received final CD dated XXXXX. 12/12/2018     1 A 08/29/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) Expiration date is missing from LE.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/29/2018 MD Primary Purchase Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) Expiration date is missing from LE.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/29/2018 MD Primary Purchase Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) Expiration date is missing from LE.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/29/2018 MD Primary Purchase Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Rate Lock Date Validation TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX disclosed a rate lock date prior to the initial rate lock date on the loan. Rate lock date was XXXXX per lock agreement dated by LO, however valid COC shows COC dated XXXXX, disclosed XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/29/2018 MD Primary Purchase Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 12/12/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) AMC received final CD dated XXXXX.   Reviewer Comment (2018-12-31): Lender cured on PCCD dated XXXXX. Reviewer Comment (2018-12-12): HOI dec page shows annual premium of $XXXXX or $XXXXX/mo. Final CD shows HOI premium at $XXXXX or $XXXXX/mo. A PCCD dated XXXXX was provided showing the HOI premium corrected on page 2. However, the total estimated property costs on page 1 do not match. The variance is in the HOA dues of $XXXXX/mo as shown on appraisal which is what was used for testing. Loan Transmittal shows $XXXXX/mo. Evidence of the higher monthly HOA dues is required or a Corrected CD and Letter of Explanation is required to cure.   12/31/2018   2 B 08/29/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 12/12/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. Xxxx AMC received final CD dated XXXXX.   Reviewer Comment (2018-12-31): Lender cured on PCCD dated XXXXX. Reviewer Comment (2018-12-12): HOI dec page shows annual premium of $XXXXX or $XXXXX/mo. Final CD shows HOI premium at $XXXXX or $XXXXX/mo. A PCCD dated XXXXX was provided showing the HOI premium corrected on page 2. However, the total estimated property costs on page 1 do not match. The variance is in the HOA dues of $XXXXX/mo as shown on appraisal which is what was used for testing. Loan Transmittal shows $XXXXX/mo. Evidence of the higher monthly HOA dues is required or a Corrected CD and Letter of Explanation is required to cure.   12/31/2018   2 B 08/29/2018 MD Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 12/12/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. xxxx AMC received final CD dated XXXXX.   Reviewer Comment (2018-12-31): Lender cured on PCCD dated XXXXX. Reviewer Comment (2018-12-12): HOI dec page shows annual premium of $XXXXX or $XXXXX/mo. Final CD shows HOI premium at $XXXXX or $XXXXX/mo. A PCCD dated XXXXX was provided showing the HOI premium corrected on page 2. However, the total estimated property costs on page 1 do not match. The variance is in the HOA dues of $XXXXX/mo as shown on appraisal which is what was used for testing. Loan Transmittal shows $XXXXX/mo. Evidence of the higher monthly HOA dues is required or a Corrected CD and Letter of Explanation is required to cure.   12/31/2018   2 B 08/29/2018 MD Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 12/12/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) AMC received final CD dated XXXXX.   Reviewer Comment (2018-12-31): Received verification of monthly HOA totaling $XXXXX per month. Reviewer Comment (2018-12-12): The variance is in the HOA dues of $XXXXX/mo as shown on appraisal which is what was used for testing. Loan Transmittal shows $XXXXX/mo. Evidence of the higher monthly HOA dues is required or a Corrected CD and Letter of Explanation is required to cure. 12/31/2018     1 A 08/29/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 12/12/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) AMC received final CD dated XXXXX.   Reviewer Comment (2018-12-12): Erroneous 12/12/2018     1 A 08/29/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 12/12/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Non Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) AMC received final CD dated XXXXX.   Reviewer Comment (2018-12-12): Erroneous 12/12/2018     1 A 08/29/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186263 [Redacted] [Redacted] [Redacted] [Redacted] 12/12/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller's Closing Disclosure not provided.   Reviewer Comment (2018-12-12): Client elects to waive - XXXXX status remains.     12/12/2018 2 B 08/29/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186265 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance State Compliance 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.     Reviewer Comment (2018-12-28): XXXXX Repayment Ability Verification Worksheet provided in the trialing docs. Condition has been cleared. 12/28/2018     1 A 08/01/2018 NV Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186265 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (FinalXXXXX) The closing date was XXXXX and the notary date was XXXXX.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/01/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186265 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) Not reflected on LE.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/01/2018 NV Primary Purchase Good Faith Redisclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186265 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided       Reviewer Comment (2018-12-06): 1008 in file. Exception cleared. 12/06/2018     1 A 08/01/2018 NV Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186265 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Post Closing CDA not found in file   Reviewer Comment (2018-12-20): Desk Review provided within allowable variance. Exception cleared. 12/20/2018     1 A 08/01/2018 NV Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186266 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Cure for 0% tolerance violations for the transfer tax was not provided.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/06/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186266 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX) The CD reflects an inaccurate amount of property costs over 1 year.   Reviewer Comment (2018-12-12): Erroneous validation. Amount of Escrowed Property Costs over Year 1 was corrected on final CD. Seller Comment (2018-12-11): This is corrected on subsequent CDs. 12/12/2018     1 A 07/06/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186266 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Interim/XXXXX) The CD reflects an inaccurate amount of property costs over 1 year.   Reviewer Comment (2018-12-12): Erroneous validation. Amount of Escrowed Property Costs over Year 1 was corrected on final CD. Seller Comment (2018-12-11): This is corrected on subsequent CDs. 12/12/2018     1 A 07/06/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186266 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Interim/XXXXX) The CD reflects an inaccurate amount of property costs over 1 year.   Reviewer Comment (2018-12-12): Erroneous validation. Amount of Escrowed Property Costs over Year 1 was corrected on final CD. Seller Comment (2018-12-11): This is corrected on subsequent CDs. 12/12/2018     1 A 07/06/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186266 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Interim/XXXXX) The interim CD provided to the borrower reflects taxes and insurance that are not correct to the final CD for the cost year 1.   Reviewer Comment (2018-12-12): Erroneous validation. Amount of Escrowed Property Costs over Year 1 was corrected on final CD. Seller Comment (2018-12-11): This is corrected on subsequent CDs. 12/12/2018     1 A 07/06/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186266 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Other Costs Total Section F (Prepaids) TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX disclosed Total Prepaids that does not match sum of fees. (Initial/XXXXX) The LE reflects XXXXX total in fees for section F, actual calculated amount is XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/06/2018 VA Primary Purchase Good faith redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186267 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.     791 FICO Reviewer Comment (2019-01-02): Client elects to waive. Photos in inspection show no fire damage apparent to the fence or surrounding trees. Reviewer Comment (2018-12-21): Property Condition Inspection Report XXXXX was provided however it was not completed. Condition remains.     01/02/2019 2 B 07/05/2018 CA Primary Purchase   C B C B B B A A Safe Harbor QM Safe Harbor QM No
205186267 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Section was incomplete   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Safe Harbor QM Safe Harbor QM Yes
205186267 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Closing date is XXXXX and Final CD dated on XXXXX reflects XXXXX as closing date.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Safe Harbor QM Safe Harbor QM Yes
205186267 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) The expiration date of estimate closing was left blank.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/05/2018 CA Primary Purchase Good Faith Redisclosure C B C B B B A A Safe Harbor QM Safe Harbor QM Yes
205186267 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Missing Document: Note - Subordinate Lien not provided   Subordinate Note or HELOC Agreement from TCF bank of XXXXX missing from images.   Reviewer Comment (2018-12-07): HELOC Agreement was provided in the trailing docs. Condition has been cleared. 12/07/2018     1 A 07/05/2018 CA Primary Purchase   C B C B B B A A Safe Harbor QM Safe Harbor QM No
205186267 [Redacted] [Redacted] [Redacted] [Redacted] 12/07/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster. Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___   791 FICO Reviewer Comment (2019-01-02): Client elects to waive. Photos in inspection show no fire damage apparent to the fence or surrounding trees. Reviewer Comment (2018-12-21): Property Condition Inspection Report XXXXX was provided however it was not completed. Condition remains.     01/02/2019 2 B 07/05/2018 CA Primary Purchase   C B C B B B A A Safe Harbor QM Safe Harbor QM No
205186269 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/XXXXX) Final Closing Disclosure provided on XXXXX in Closing Costs Financed section is blank.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/25/2018 AL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186269 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/XXXXX) Final Closing Disclosure provided on XXXXX in Closing Costs Financed section is blank.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/25/2018 AL Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186269 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) Loan Estimate Costs Good Through not provided   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/25/2018 AL Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186269 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) Loan Estimate Costs Good Through not provided   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/25/2018 AL Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186269 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) Loan Estimate provided on XXXXX in Closing Costs Financed section is XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/25/2018 AL Primary Refinance - Cash-out - Other Good faith redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186269 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) Loan Estimate provided on XXXXX in Closing Costs Financed section is XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/25/2018 AL Primary Refinance - Cash-out - Other Good faith redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186269 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/XXXXX) Loan Estimate provided on XXXXX in Closing Costs Financed section is XXXXX   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/25/2018 AL Primary Refinance - Cash-out - Other Good faith redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186269 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Loan Payoff Statement not provided       Reviewer Comment (2018-12-11): Mortgage loan payoffs were provided in the trailing docs. Condition has been cleared. 12/11/2018     1 A 05/25/2018 AL Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186269 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX)     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/25/2018 AL Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186273 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2018-12-07): Flood certificate was provided in the trailing docs reflecting property is not located in a flood hazard area. Condition has been cleared. 12/07/2018     1 A 07/31/2018 GA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186273 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided       Reviewer Comment (2018-12-05): 1008 in file. Exception cleared. 12/05/2018     1 A 07/31/2018 GA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186273 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Compliance Miscellaneous Compliance Transaction Error: Total Cash-out on a purchase transaction. Borrower is receiving total cash-out of ___ on a purchase transaction. Cash back present on final CD in the amount of XXXXX   Reviewer Comment (2018-12-10): Cash back due only to net equity from sale of property that was also disclosed on page 3 of Final CD. Seller Comment (2018-12-07): The cash back appears to be from overpayment of net proceeds from the sale of a prior home listed on the CD. 12/10/2018     1 A 07/31/2018 GA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186273 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX) Unable to locate closing acknowledgment   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/31/2018 GA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186273 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Initial/XXXXX) LE issued on XXXXX in section C reflects the following labeled fee: Land Survey XXXXX, missing 'title" verbiage.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/31/2018 GA Primary Purchase Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186273 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/XXXXX) LE issued on XXXXX in section C reflects the following labeled fee: Land Survey XXXXX, missing 'title" verbiage.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/31/2018 GA Primary Purchase Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186274 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) Appraisal completed and delivered to borrower prior to the signed report date. An earlier version of the Appraisal was not provided.   Reviewer Comment (2018-12-05): Client elects to waive.     12/05/2018 2 B 09/15/2018 CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186274 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX) Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 09/15/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186274 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) The Initial LE did not disclose the any amounts for hazard insurance premiums.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope Reviewer Comment (2018-12-12): Under 1026.19(e)(3), the lender is required to make a good faith effort to perform due diligence to obtain an amount for any required services. If the lender always knew HOI was required on the loan, then an amount for the service should have been disclosed on the LE. If the lender was not aware the loan would require HOI, then a changed circumstance document documenting the date the lender was aware the service would be required is needed. Seller Comment (2018-12-11): Haz Ins is not a tolerance fee, this is not required. 12/13/2018     1 A 09/15/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186274 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Initial/XXXXX) The consumer closing disclosures did not disclose the number of months of hazard insurance premiums collected; however, the PCCD showed the correction.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 09/15/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186274 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Interim/XXXXX) The consumer closing disclosures did not disclose the number of months of hazard insurance premiums collected; however, the PCCD showed the correction.   Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 09/15/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186274 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) The loan estimate did not provide an expiration date for the closing costs provided. The field was left blank.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 09/15/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186274 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final disclosure reflects a closing date of XXXXX, document was executed on XXXXX. File contains a post closing disclosure with the accurate closing/funding date   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 09/15/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186274 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (Final/XXXXX) The consumer closing disclosures did not disclose the number of months of hazard insurance premiums collected; however, the PCCD showed the correction.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 09/15/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186274 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MERS Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7539) The final disclosure reflects a MERS fee in the amount of XXXXX which was not initially disclosed. Insufficient cure provided at the closing to cure all fees over the limit.   Reviewer Comment (2018-12-12): Zero tolerance cure at closing. 12/12/2018     1 A 09/15/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186274 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) The final disclosure reflects a Transfer tax fee in the amount of XXXXX which was not initially disclosed. Insufficient cure provided at the closing to cure all fees over the limit.   Reviewer Comment (2018-12-12): XXXXX received VCC for fee increase. 12/12/2018     1 A 09/15/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186274 [Redacted] [Redacted] [Redacted] [Redacted] 12/12/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MERS Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7539) Zero tolerance cure at closing.       12/12/2018   1 A 09/15/2018 CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186276 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.       Reviewer Comment (2018-12-12): Post Disaster Inspection Report XXXXX was provided in the trailing docs reflecting property is in good condition with no required exterior repairs. Condition has been cleared. 12/12/2018     1 A 08/14/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186276 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) Estimated closing costs expiration was not disclosed.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/14/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186276 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX ) Estimated closing costs expiration was not disclosed.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/14/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186276 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/XXXXX) Estimated closing costs financed disclosed inaccurately.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/14/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good faith redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186276 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) Estimated closing costs financed disclosed inaccurately.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/14/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good faith redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186276 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX) Estimated closing costs financed disclosed inaccurately.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/14/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good faith redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186276 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/XXXXX) Financed closing costs disclosed inaccurate.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/14/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186276 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXXX) Final CD was not provided within the required time frame prior to closing.   Reviewer Comment (2018-12-11): XXXXX received Disclosure Tracking indicating the initial CD was received on XXXXX. Exception Cleared. 12/11/2018     1 A 08/14/2018 CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186276 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XXXXX not received by borrower at least four (4) business days prior to closing. (Interim/XXXXX) The LE dated XXXXX is missing evidence it was received prior to the CD dated XXXXX   Reviewer Comment (2018-12-11): XXXXX received Disclosure Tracking indicating the XXXXX LE was received XXXXX. Exception Cleared. 12/11/2018     1 A 08/14/2018 CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-17): Provided 12/17/2018     1 A 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. Initial Deposit Amount of XXXXX does not match amount of XXXXX disclosed on CD.   Reviewer Comment (2018-12-05): Client elects to waive.     12/05/2018 2 B 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX) Calculated amount is XXXXX.   Reviewer Comment (2018-12-12): XXXXX received Corrected CD and Letter of Explanation Seller Comment (2018-12-12): Received PCCD and acknowledgement-uploaded XXXXX   12/12/2018   2 B 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Interim/XXXXX) Calculated amount is XXXXX .   Reviewer Comment (2018-12-12): XXXXX received Corrected CD and Letter of Explanation Seller Comment (2018-12-12): Received PCCD and acknowledgement-added to folder   12/12/2018   2 B 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX ) Calculated amount is XXXXX .   Reviewer Comment (2018-12-12): XXXXX received Corrected CD and Letter of Explanation Seller Comment (2018-12-12): Received PCCD and acknowledgement-uploaded XXXXX   12/12/2018   2 B 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on XXXXX, prior to three (3) business days from transaction date of XXXXX. Loan disbursed XXXXX; prior to eligible disbursement date of XXXXX.   Reviewer Comment (2018-12-12): Upon further review closing date XXXXX, disbursement date XXXXX. Condition has been cleared. Seller Comment (2018-12-11): NOT VALID OK TO DISBURSE ON XXXXX 12/12/2018     1 A 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Loan disbursed XXXXX; prior to eligible disbursement date of XXXXX.   Reviewer Comment (2018-12-12): Upon further review closing date XXXXX, disbursement date XXXXX. Condition has been cleared. Seller Comment (2018-12-11): NOT VALID OK TO DISBURSE ON XXXXX 12/12/2018     1 A 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Final/XXXXX ) Field on disclosure is blank.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/XXXXX ) CD issued XXXXX did not disclose closing costs financed; calculated amount is XXXXX .   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for Property Tax under Prepaids. (Interim/XXXXX) Field was left blank on disclosure.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Interim/XXXXX) CD issued XXXXX did not disclose closing costs financed; calculated amount is XXXXX.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/XXXXX ) CD issued XXXXX did not disclose closing costs financed; calculated amount is $XXXXX .   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186278 [Redacted] [Redacted] [Redacted] [Redacted] 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/XXXXX ) CD issued XXXXX did not disclose closing costs financed; calculated amount is XXXXX .   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 10/01/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186279 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-17): Provided 12/17/2018     1 A 07/18/2018 MD Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186279 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Summaries Of Transactions - Closing Costs Paid At Closing TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on XXXXX disclosed a Closing Costs Paid at Closing that does not match the Total Closing Costs (Borrower-Paid) from page 2. (Final/XXXXX ) Final CD reflects closing costs paid by borrower of $XXXXX ; however the summaries of transactions on page 3 reflects $XXXXX .   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/18/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186279 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year XXXXX of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX ) Closing disclosure reflects monthly escrows of XXXXX which would equal XXXXX in escrowed property costs over year XXXXX ; however XXXXX is what is listed on the CD.   Reviewer Comment (2018-12-12): Erroneous validation. Amount of Escrowed Property Costs over Year 1 was corrected on final CD. Seller Comment (2018-12-11): Disagree - while I agree the XXXXX & XXXXX CD property costs over year 1 is incorrect, the figure of $XXXXX listed on the final CD is correct. The borrower skips a month before their first payment is due since the interim interest was paid, thus reflecting the calculation of XXXXX months. 12/12/2018     1 A 07/18/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186279 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Escrowed Property Costs Year XXXXX TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Interim/XXXXX ) Closing disclosure reflects monthly escrows of $XXXXX which would equal $XXXXX in escrowed property costs over year XXXXX ; however $XXXXX is what is listed on the CD.   Reviewer Comment (2018-12-12): Erroneous validation. Amount of Escrowed Property Costs over Year 1 was corrected on final CD. Seller Comment (2018-12-11): Disagree - while I agree the XXXXX & XXXXX CD property costs over year 1 is incorrect, the figure of $XXXXX listed on the final CD is correct. The borrower skips a month before their first payment is due since the interim interest was paid, thus reflecting the calculation of XXXXX months. 12/12/2018     1 A 07/18/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186279 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX ) LE dated XXXXX does not provide for an expiration date for estimated closing costs. This section was left blank.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/18/2018 MD Primary Purchase Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186281 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX ) Actual consummation date was XXXXX .   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 09/11/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186281 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX ) Final CD only indicted XXXXX .   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 09/11/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205186281 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX )     Reviewer Comment (2018-12-05): Client elects to waive.     12/05/2018 2 B 09/11/2018 OR Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205186283 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX ) No amount was disclosed on page 3 of the Final CD.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/15/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186283 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX ) Field was blank   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/15/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186283 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX . Insufficient or no cure was provided to the borrower. (0) Final CD disclosed higher title related fees: 1) Settlement/Escrow 2) Doc Prep 3)Recording 4) Courier 5) Sub-Escrow and 6) Wire   Reviewer Comment (2018-12-18): Tolerance violation is based on seller closing fee that is customarily paid for by the seller. Exception cleared. Reviewer Comment (2018-12-12): Seller paid fees are included in tolerance testing per Client request. The total of the title related fee subject to 10% tolerance testing = $XXXXX. The maximum allowable is $XXXXX (includes 10%) with a difference of $XXXXX to be refunded. Seller Comment (2018-12-11): a PC CD was issued on XXXXX in which title fees disclosed are less than or equal to title fees disclosed in addition to a cure of $XXXXX. Title related fees on LE dated XXXXX = $XXXXX* Title related fees on PC CD dated XXXXX = $XXXXX 12/18/2018     1 A 08/15/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX ) CD did not provide cure for tolerance   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/29/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX . Insufficient or no cure was provided to the borrower. (8304) there is not credit on CD to cure tolerance   Reviewer Comment (2018-12-12): Purchase Contract indicates the Transfer Tax was always to be paid by the Seller. Final CD shows the Seller paid the entire portion of the transfer tax. no refund required. Seller Comment (2018-12-11): Spoke with XXXXX (compliance department) - if the fees are paid by the Seller, they do not have to be disclosed on the LE's to the Borrower; no tolerance cure needed Added highlighted final cd to folder 12/12/2018     1 A 08/29/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage is short XXXXX . Missing cost estimator from insurer.   Reviewer Comment (2018-12-18): Policy reflects 100% replacement cost. Exception cleared. Reviewer Comment (2018-12-11): Evidence of insurance does not confirm guaranteed replacement cost coverage nor was a replacement cost estimator provided. Condition remains. Seller Comment (2018-12-11): HOI states 100% replacement cost included; estimator not required 12/18/2018     1 A 08/29/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Credit Credit Credit Eligibility Guideline Issue: XXXXX timeline outside of credit guidelines   CH XXXXX XXXXX XXXXX only XXXXX yrs prior to close vs no XXXXX is allowed for loan amounts greater than XXXXX requirement per guidelines. 20 months reserves Borrower has employment stability for 22 years in same field Reviewer Comment (2018-12-20): Client elects to waive Reviewer Comment (2018-12-11): Guidelines state for loan amounts greater than $XXXXX, no bankruptcy allowed ever. Credit report reflects bankruptcy discharged XXXXX. Condition remains. Seller Comment (2018-12-11): nothing in XXXXX/XXXXX guidelines stating no BK's on loans over $XXXXX     12/20/2018 2 B 08/29/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Credit Loan Package Documentation Application / Processing Missing Document: XXXXX Documents not provided       Reviewer Comment (2018-12-20): Upon further review, credit report and XXXXX reflects XXXXX discharged XXXXX. Condition has been cleared. Seller Comment (2018-12-19): the BK discharge is listed on the credit report and is within XXXXX guidelines; Bwr should not need to provide any additional documentation--HOI dec page indicates 100% replacement cost included (okay per XXXXX guidelines) 12/20/2018     1 A 08/29/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX ) Information was not provided.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/29/2018 CA Primary Purchase Good Faith Redisclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX ) Information was not provided.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/29/2018 CA Primary Purchase Good Faith Redisclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX ) Information was not provided.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/29/2018 CA Primary Purchase Good Faith Redisclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX XXXXX XXXXX, XXXXX XXXXX XXXXX -1 not in file.   Reviewer Comment (2018-12-17): This is a duplicate condition 12/17/2018     1 A 08/29/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance XXXXX-XXXXX Documentation XXXXX XXXXX (Dodd-Frank 2014): XXXXX (XXXXX) years copies of XXXXX -XXXXX s or signed tax returns/transcripts not provided for XXXXX -XXXXX (Less than XXXXX Ownership) income. (XXXXX ,XXXXX XXXXX /Schedule XXXXX-XXXXX less than XXXXX Percent) XXXXX XXXXX -XXXXX not in file   Reviewer Comment (2018-12-19): Upon further review documentation meets XXXXX requirements. Borrower became partner in XXXXX and in XXXXX was a W2 employee. Exception cleared. Seller Comment (2018-12-11): There are no K1's listed on the XXXXX tax returns. The borrower was W2 in XXXXX and became a XXXXX% partner in XXXXX which is when he started receiving his K1's/ The XXXXX W2, XXXXX K1 and XXXXX/ XXXXX income letter from XXXXX are in the file because his XXXXX K1 had not been issued yet. 12/19/2018     1 A 08/29/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - XXXXX -XXXXX Less XXXXX Ability-to-Repay (Dodd-Frank 2014): Unable to verify current XXXXX -XXXXX (Less than XXXXX Ownership) status using reasonably reliable third-party records. (XXXXX ,XXXXX XXXXX /Schedule XXXXX -XXXXX less than XXXXX Percent) XXXXX XXXXX -XXXXX not in file   Reviewer Comment (2018-12-19): Upon further review documentation meets XXXXX requirements. Borrower became partner in XXXXX and in XXXXX was a W2 employee. Exception cleared. Seller Comment (2018-12-11): There are no K1's listed on the XXXXX tax returns. The borrower was W2 in XXXXX and became a XXXXX% partner in XXXXX which is when he started receiving his K1's/ The XXXXX W2, XXXXX K1 and XXXXX/ XXXXX income letter from XXXXX are in the file because his XXXXX K1 had not been issued yet. 12/19/2018     1 A 08/29/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and XXXXX - XXXXX -XXXXX Less XXXXX Ability to Repay (Dodd-Frank 2014): Unable to verify XXXXX -XXXXX (Less than 2XXXXX Ownership) income using reasonably reliable third-party records. (XXXXX ,XXXXX XXXXX /Schedule XXXXX -XXXXX less than XXXXX Percent) XXXXX XXXXX -XXXXX not in file   Reviewer Comment (2018-12-19): Upon further review documentation meets XXXXX requirements. Borrower became partner in XXXXX and in XXXXX was a W2 employee. Exception cleared. Seller Comment (2018-12-11): There are no K1's listed on the XXXXX tax returns. The borrower was W2 in XXXXX and became a XXXXX% partner in XXXXX which is when he started receiving his K1's/ The XXXXX W2, XXXXX K1 and XXXXX/ XXXXX income letter from XXXXX are in the file because his XXXXX K1 had not been issued yet. 12/19/2018     1 A 08/29/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance NonXXXXX XXXXX Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Unable to test without XXXXX XXXXX -XXXXX   Reviewer Comment (2018-12-19): Upon further review documentation meets XXXXX requirements. Borrower became partner in XXXXX and in XXXXX was a W2 employee. Exception cleared. 12/19/2018     1 A 08/29/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of XXXXX XXXXX XXXXX does not match Due Diligence Loan Designation of XXXXX Fail. XXXXX -XXXXX XXXXX not in file causing XXXXX Fail.   Reviewer Comment (2018-12-19): Upon further review documentation meets XXXXX requirements. Borrower became partner in XXXXX and in XXXXX was a W2 employee. Exception cleared. 12/19/2018     1 A 08/29/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
205186286 [Redacted] [Redacted] [Redacted] [Redacted] 12/19/2018 Compliance Compliance Federal Compliance XXXXX -XXXXX Tax Return Recency XXXXX XXXXX XXXXX ,XXXXX XXXXX /Schedule XXXXX -XXXXX less than XXXXX Percent) File is missing XXXXX XXXXX .   Reviewer Comment (2018-12-21): Client elects to waive. Reviewer Comment (2018-12-21): Investor to review Seller Comment (2018-12-21): Seller Comment (XXXXX): There are no K1's listed on the XXXXX tax returns. The borrower was W2 in XXXXX and became a XXXXX% partner in XXXXX which is when he started receiving his K1's/ The XXXXX W2, XXXXX K1 and XXXXX income letter from XXXXX are in the file because his XXXXX K1 had not been issued yet. XXXXX - received email from Lender - no XXXXX K1's, Bwr was W2 income - added email to GS folder Reviewer Comment (2018-12-21): XXXXX and XXXXX returns are in file. XXXXX returns are on extension. Income qualification was not based on most recent returns available, however use of XXXXX/XXXXX returns for income is allowed. Non-material Exception remains. Seller Comment (2018-12-19): Received email explanation and added to the folder; no XXXXX K1's as borrower was W2 employee and XXXXX extension was filed     12/21/2018 2 B 08/29/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
205186288 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/XXXXX ) Loan was a cash out refinance with all of the closing costs being financed; however, the CD indicates that XXXXX in closing costs are being financed.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 09/12/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186288 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX ) Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 09/12/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186288 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/XXXXX ) Loan was a cash out refinance with all of the closing costs being financed; however, the CD indicates that XXXXX in closing costs are being financed.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 09/12/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186288 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/XXXXX ) Loan was a cash out refinance with all of the closing costs being financed; however, the LE indicates that XXXXX in closing costs are being financed.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 09/12/2018 CA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186288 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX ) Loan was a cash out refinance with all of the closing costs being financed; however, the LE indicates that XXXXX in closing costs are being financed.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 09/12/2018 CA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186288 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Closing Costs Financed Without Seller TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/XXXXX ) Loan was a cash out refinance with all of the closing costs being financed; however, the LE indicates that XXXXX in closing costs are being financed.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 09/12/2018 CA Primary Refinance - Cash-out - Other Good faith redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186288 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Rate Lock Date Validation TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX disclosed a rate lock date prior to the initial rate lock date on the loan. Loan Estimate provided on XXXXX disclosed a rate lock date prior to the initial rate lock date on the loan.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 09/12/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186288 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan XXXXX XXXXX . Fee Amount of XXXXX exceeds tolerance of XXXXX . Insufficient or no cure was provided to the borrower. (7200) Zero Percent Fee Tolerance exceeded for XXXXX XXXXX XXXXX . Fee Amount of XXXXX exceeds tolerance of XXXXX . Insufficient or no cure was provided to the borrower.   Reviewer Comment (2019-01-04): Change of circumstance re-lock for rate lock extension Seller Comment (2019-01-03): Rate lock expired, thus rate was relocked (reason for CoC), but to keep the rate at XXXXX% loan discount points were charged. Rates and points can change when loans are re-locked depending on Treasury at time of re-lock. Reviewer Comment (2018-12-21): XXXXX received a COC for change in loan amount on XXXXX, however no other fee changes were identified. A reason for the loan discount to increase is not valid for a lower loan amount change. A Corrected CD, Copy of Refund Check, Letter of Explanation and Proof of Delivery is required to cure. Seller Comment (2018-12-20): Seller Comment (XXXXX): No cure required; we received a CoC for the LE dated XXXXX with the increased points Reviewer Comment (XXXXX): Loan Discount Points increased to $XXXXX on the XXXXX Loan Estimate. Change of circumstance states re-lock / loan program updated. Please provide additional information as to what changed. prior LE's issued to the borrower had the rate locked at XXXXX% XXXXX - emailed Lender for LOE for why points changed when rate stayed the same XXXXX- rate lock expired prior to closing; rate lock extension was done and updated LE/CoC was provided to Borrower; uploaded email chain to sale folder Reviewer Comment (2018-12-12): Loan Discount Points increased to $XXXXX on the XXXXX Loan Estimate. Change of circumstance states re-lock / loan program updated. Please provide additional information as to what changed. prior LE's issued to the borrower had the rate locked at XXXXX% Seller Comment (2018-12-11): No cure required; we received a CoC for the LE dated XXXXX with the increased points 01/04/2019     1 A 09/12/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186288 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXXX exceeds tolerance of XXXXX . Insufficient or no cure was provided to the borrower. (7520) ero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXXX exceeds tolerance of XXXXX . Insufficient or no cure was provided to the borrower.   Reviewer Comment (2018-12-21): XXXXX received Final ALTA Settlement Statement confirming the lender credit for the tolerance cure was done at funding. Seller Comment (2018-12-20): Seller Comment (XXXXX): The $XXXXX cure is listed on the bottom of page 2 final CD (section J) Reviewer Comment (XXXXX): Confirmed $XXXXX was issued on the Post Close CD for cure for credit report increase. Please provide Final ALTA Settlement Statement to confirm borrower provided with credit. XXXXX- uploaded a final Settlement Statement showing cure - will this clear the condition? Reviewer Comment (2018-12-12): Confirmed $XXXXX was issued on the Post Close CD for cure for credit report increase. Please provide Final ALTA Settlement Statement to confirm borrower provided with credit. Seller Comment (2018-12-11): The $23.24 cure is listed on the bottom of page 2 final CD (section J) 12/21/2018     1 A 09/12/2018 CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186288 [Redacted] [Redacted] [Redacted] [Redacted] 01/04/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX . Sufficient or excess cure was provided to the borrower. (7520) Sufficient or excess cure was provided to the borrower. Confirmed cure on Final Settlement Statement   Reviewer Comment (2019-01-04): Tolerance violation cured at close.   01/04/2019   2 B 09/12/2018 CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The subject property is located in a XXXXX disaster that does not have a declared end date.       Reviewer Comment (2018-12-17): Duplicate conditions 12/17/2018     1 A 07/27/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance XXXXX -XXXXX Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): XXXXX -XXXXX income documentation not sufficient (XXXXX -XXXXX ). (XXXXX ,XXXXX XXXXX XXXXX XXXXX /XXXXX -XXXXX ) Some income documentation missing for borrower.   Reviewer Comment (2018-12-14): Income is positive and not needed to qualify. Exception cleared. Seller Comment (2018-12-11): Not required, income not being used. 12/14/2018     1 A 07/27/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX XXXXX XXXXX (Dodd-Frank 2014): Originator Loan Designation of XXXXX XXXXX XXXXX does not match Due Diligence Loan Designation of XXXXX XXXXX . Due to missing income docs.   Reviewer Comment (2018-12-14): Income is positive and not needed to qualify. Exception cleared. Seller Comment (2018-12-11): Not required, income not being used. 12/14/2018     1 A 07/27/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX ) Final Closing Disclosure shows closing date of XXXXX , Actual closing date is XXXXX . Cured with post closing CD   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XXXXX ) Cash to Close disclosed inaccurate value of dollar by which closing cost exceeded legal limit. Unable to determine cause.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX ) Expiration date of estimated closing cost on Loan Estimate(XXXXX ), is blank.   Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 07/27/2018 CA Primary Purchase Good Faith Redisclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXXX ) No evidence borrower received appraisal in file   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/27/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:Secondary/XXXXX ) No evidence borrower received appraisal in file.   Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/27/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX XXXXX XXXXX Balance Sheet for XXXXX XXXXX   Reviewer Comment (2018-12-14): Income is positive and not needed to qualify. Exception cleared. Seller Comment (2018-12-11): Not required, income not being used. 12/14/2018     1 A 07/27/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: XXXXX XXXXX months discrepancy.   Borrower short required XXXXX of XXXXX month XXXXX .   Reviewer Comment (2018-12-10): Upon further review, file consisted of a 1st and simultaneous 2nd lien. XXXXX months of reserves was documented. Condition has been cleared. 12/10/2018     1 A 07/27/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   No Post Closing CDA in file   Reviewer Comment (2018-12-17): Provided 12/17/2018     1 A 07/27/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 12/10/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXXX)     Reviewer Comment (2018-12-19): Client elects to waive     12/19/2018 2 B 07/27/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186289 [Redacted] [Redacted] [Redacted] [Redacted] 12/10/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.       Reviewer Comment (2018-12-20): Property Condition Inspection Report XXXXX was provided in the trailing docs and reflect no required exterior repairs. Condition has been cleared. 12/20/2018     1 A 07/27/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205254600 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance XXXXX Income Documentation Test XXXXX XXXXX (Dodd-Frank 2014): XXXXX-XXXXX income documentation not sufficient (XXXXX). (XXXXX,XXXXX XXXXX XXXXX of XXXXX XXXXX XXXXX/XXXXX-XXXXX) Missing YTD XXXXX XXXXX & X XXXX for XXXXX,XXXXX XXXXX XXXXX of XXXXX XXXXX XXXXX-XXXXX-XXXXX.   Reviewer Comment (2019-01-03): Sufficient documentation provided to meet XXXXX. Exception cleared. 01/03/2019     1 A 11/05/2018 CO Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205254600 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD reflects Closing Date of XXXXX, but transaction consummation (mortgage notary) date was XXXXX. Provide a post-close CD correcting the closing date to match the notary date and a copy of the letter of explanation to the borrower disclosing the changes made.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/05/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205254600 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of XXXXX XXXXX. Missing YTD XXXXX XXXXX for XXXXX,XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX- XXXXX-XXXXX.   Reviewer Comment (2019-01-03): Sufficient documentation provided to meet XXXXX. Exception cleared. 01/03/2019     1 A 11/05/2018 CO Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205254600 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing secondary valuation.   Reviewer Comment (2018-12-21): Desk Review provided with a 0.01% variance. Exception cleared. 12/21/2018     1 A 11/05/2018 CO Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-26): Desk review provided with no variance. Exception cleared. 12/26/2018     1 A 11/20/2018 TX Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXXX)     Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/20/2018 TX Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure XXXXX XXXXX Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of XXXXX-XXXXX Property Costs over Year XXXXX of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (Final/XXXXX)     Reviewer Comment (2018-12-05): XXXXX received purchase agreement indicating HOA Dues of $XXXXX/yr. Exception Cleared. Seller Comment (2018-12-04): HOA Dues 12/05/2018     1 A 11/20/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure XXXXX XXXXX Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of XXXXX-XXXXX Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial/XXXXX)     Reviewer Comment (2018-12-05): XXXXXreceived purchase agreement indicating HOA Dues of $XXXXX/yr. Exception Cleared. Seller Comment (2018-12-04): HOA Dues 12/05/2018     1 A 11/20/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Closing Costs TILA-RESPA Integrated Disclosure - Costs at Closing: Loan Estimate provided on XXXXX disclosed Estimated Closing Costs that does not match Total Closing Costs on page 2. (Interim/XXXXX) LE XXXXX closing cost does not match pg 2   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/20/2018 TX Primary Purchase Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Initial/XXXXX) LE XXXXX Home Owners insurance prepaids do not match amount per month.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/20/2018 TX Primary Purchase Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Interim/XXXXX) LE XXXXX Home Owners insurance prepaids do not match amount per month.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/20/2018 TX Primary Purchase Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Loan Costs TILA-RESPA Integrated Disclosure - Costs at Closing: Loan Estimate provided on XXXXX disclosed Loan Costs that does not match Total Loan Costs on page 2. (Initial/XXXXX) LE XXXXX Closing Cost does not match pg2   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/20/2018 TX Primary Purchase Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance Fannie Mae 2014 - XXXXX Points and Fees Fannie Mae 2014 XXXXX Points and Fees Test. Points and Fees on subject loan of XXXXX is in excess of the investor allowable maximum of XXXXX of the Federal Total Loan Amount. Points and Fees total XXXXXon a Federal Total Loan Amount of XXXXX vs. an investor allowable total of XXXXX (an overage of XXXXX or XXXXX).     Reviewer Comment (2018-12-26): Exception was waived based on loan being a XXXXX. Loan fails XXXXX points and fees test. Additional EV3 exception for points and fees added. Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/20/2018 TX Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing       12/03/2018   1 A 11/20/2018 TX Primary Purchase Final CD evidences Cure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/26/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX XXXXX XXXXX (Dodd-Frank 2014): Originator Loan Designation of XXXXX XXXXX XXXXX does not match Due Diligence Loan Designation of XXXXX XXXXX. Point and fees exceed allowable threshold.   Reviewer Comment (2019-01-03): Received pricing worksheet to exclude as bona fide discount point. Seller Comment (2019-01-02): Bona Fide Worksheet 01/03/2019     1 A 11/20/2018 TX Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205254602 [Redacted] [Redacted] [Redacted] [Redacted] 12/26/2018 Compliance Compliance Federal Compliance XXXXX Points and Fees XXXXX XXXXX allowable total of XXXXX (an overage of XXXXX or XXXXX). Point and fees exceed allowable XXXXX threshold.   Reviewer Comment (2019-01-03): Received pricing worksheet to exclude as bona fide discount point. Seller Comment (2019-01-02): Bona Fide Worksheet 01/03/2019     1 A 11/20/2018 TX Primary Purchase If a creditor or assignee determines after consummation that the total points and fees exceeds the 3% limit, but the loan meets the other requirements to be a QM, the excess amount can be refunded, including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) The refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments). The lender will also be required to provide a copy of the refund check and proof of delivery. C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205255003 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-31): Provided 12/31/2018     1 A 11/14/2018 AZ Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205255003 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial XXXXX XXXXX statement does not match charges on HUD-1/Final Closing Disclosure. CD provided at closing disclosed initial escrow payment as XXXXX. Initial Escrow Account Disclosure disclosed initial deposit as XXXXX.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/14/2018 AZ Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205255003 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX XXXXX XXXXX (Dodd-Frank 2014): Originator Loan Designation of XXXXX XXXXX XXXXX does not match Due Diligence Loan Designation of XXXXX XXXXX. Loan XXXXX XXXXX and XXXXX Fee total of XXXXX exceed maximum allowed of XXXXX.   Reviewer Comment (2018-12-27): Received pricing sheet reflecting undiscounted rate to exclude as bonafide discount point. Issue cleared. Reviewer Comment (2018-12-20): Loan Discount Points and Origination Fee total of $XXXXX exceed maximum allowed of $XXXXX. 12/27/2018     1 A 11/14/2018 AZ Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205255003 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance XXXXX Points and Fees XXXXX XXXXX (Dodd Frank 2014): Points and Fees on subject loan of XXXXX is in excess of the allowable maximum of XXXXX of the Federal Total Loan Amount. Points and Fees total XXXXX on a Federal Total Loan Amount of XXXXX vs. an allowable total of XXXXX (an overage of XXXXX or XXXXX). Loan XXXXX XXXXX and XXXXX Fee total of XXXXX exceed maximum allowed of XXXXX.   Reviewer Comment (2018-12-27): Received pricing sheet reflecting undiscounted rate to exclude as bonafide discount point. Issue cleared. Reviewer Comment (2018-12-20): Loan Discount Points and Origination Fee total of $XXXXX exceed maximum allowed of $XXXXX. 12/27/2018     1 A 11/14/2018 AZ Primary Refinance - Cash-out - Other If a creditor or assignee determines after consummation that the total points and fees exceeds the 3% limit, but the loan meets the other requirements to be a QM, the excess amount can be refunded, including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) The refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments). The lender will also be required to provide a copy of the refund check and proof of delivery. C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205255003 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) No cure provided for tolerance violation.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/14/2018 AZ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205255003 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) XXXXX tolerance exceeded by XXXXX. No cure was provided.   Reviewer Comment (2019-01-08): Received PCCD dated XXXXX reflecting title fees in section C. Borrower was allowed to shop for title fees and selected a provider not on the SSPL; title fees subject to unlimited tolerance. Reviewer Comment (2018-12-27): Title - Lender's Title Insurance cannot increase as it is disclosed on final CD in Section B and was not shoppable. The LE disclosed the fee in Section C for a lower amount. A Corrected CD, Copy of Refund Check, Letter of Explanation and Proof of Delivery is required to cure. Seller Comment (2018-12-26): XXXXX is not affiliated with XXXXX Reviewer Comment (2018-12-19): XXXXX received comment. The fees in the 10% tolerance category decreased after current review. The only fee in the 10% category now is the Recording Service Fee in Block E. The fee was disclosed on the LE as $25 and increased to $43 on the CD without a valid change of circumstance. The payee for the title fees are paid to a lender affiliate and borrower was unable to shop therefore are in the 0% tolerance category now. A refund of $XXXXX is due for the Recording Service Fee. Please provide a corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2018-12-17): Can you please provide a breakdown of the fees that need to be cure for the total amount of $XXXXX? 01/08/2019     1 A 11/14/2018 AZ Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205255003 [Redacted] [Redacted] [Redacted] [Redacted] 12/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (75197) The payee for the title fees are paid to a lender affiliate and borrower was unable to shop therefore are in the XXXXX tolerance category now. Please provide a corrected CD, LOE, Refund Check, and Proof of Delivery to cure.   Reviewer Comment (2018-12-26): Upon further review no tolerance violation exists. Title company used is not affiliated with lender. Exception cleared. 12/26/2018     1 A 11/14/2018 AZ Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205255003 [Redacted] [Redacted] [Redacted] [Redacted] 12/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7562) The payee for the title fees are paid to a lender affiliate and borrower was unable to shop therefore are in the XXXXX tolerance category now. Please provide a corrected CD, LOE, Refund Check, and Proof of Delivery to cure.   Reviewer Comment (2018-12-26): Upon further review no tolerance violation exists. Title company used is not affiliated with lender. Exception cleared. 12/26/2018     1 A 11/14/2018 AZ Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205255003 [Redacted] [Redacted] [Redacted] [Redacted] 12/19/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (7567) The payee for the title fees are paid to a lender affiliate and borrower was unable to shop therefore are in the XXXXX tolerance category now. Please provide a corrected CD, LOE, Refund Check, and Proof of Delivery to cure.   Reviewer Comment (2018-12-26): Upon further review no tolerance violation exists. Title company used is not affiliated with lender. Exception cleared. 12/26/2018     1 A 11/14/2018 AZ Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205255004 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XXXXX) Final Closing Disclosure used Homeowner's Insurance of XXXXX and does not match the monthly premium of XXXXX x XXXXX = XXXXX.   Reviewer Comment (2018-12-12): Client elects to waive.     12/12/2018 2 B 11/12/2018 OR Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205255004 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the borrower. (8500) Homeowner's Insurance found on Final Closing Disclosure was not disclosed on the Loan Estimate..   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/12/2018 OR Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205255004 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Initial/XXXXX) Final Closing Disclosure used Homeowner's Insurance of XXXXXand does not match the monthly premium of XXXXX x XXXXX = XXXXX.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/12/2018 OR Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205255004 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on XXXXX disclosed an inaccurate Closing Costs Financed amount. (Initial/XXXXX) Per XXXXX CD   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/12/2018 OR Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205255004 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on XXXXX did not disclose the expiration date of estimated closing costs. (Interim/XXXXX) Not provided   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/12/2018 OR Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205255004 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-26): Desk review provided with no variance. Exception cleared. 12/26/2018     1 A 11/12/2018 OR Primary Refinance - Cash-out - Other   C B A A B B C A Safe Harbor QM Safe Harbor QM No
205255007 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Final CD and PCCD both reflect a closing date of XXXXX; however the correct closing date was XXXXX   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255007 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid XXXXX Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for XXXXX XXXXX under Prepaids. (Final/XXXXX) Months not provided   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255007 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Provided XXXXX   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/06/2018 CA Primary Purchase No Defined Cure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205255007 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Prepaid XXXXX XXXXX Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for XXXXX Tax under Prepaids. (Interim/XXXXX) Months not provided   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/06/2018 CA Primary Purchase Good Faith Redisclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255007 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for XXXXX Tax under Prepaids. (InitiaXXXXX) Months not provided   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/06/2018 CA Primary Purchase Good Faith Redisclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255007 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Title fees are disclosed in Section B when they should be disclosed in Section C due to the Service Provider List reflects a different Provider indicating the borrower selected their own Provider.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/06/2018 CA Primary Purchase Good Faith Redisclosure C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255007 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility XXXXX XXXXX: Investor qualifying total debt ratio discrepancy.   XXXXX XXXXXin file reflected new debts totaling XXXXX.   Reviewer Comment (2018-12-28): There were debts included for this borrower based on documents in the loan images but belonged to another borrower and not this transaction. 12/28/2018     1 A 11/06/2018 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205255007 [Redacted] [Redacted] [Redacted] [Redacted] 12/28/2018 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one origination valuation product when two are required.       Reviewer Comment (2018-12-31): Provided 12/31/2018     1 A 11/06/2018 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.       Reviewer Comment (2018-12-20): Property Condition Inspection Report XXXXX was provided in the trailing docs reflecting property is in good condition with no exterior repairs required. Condition has been cleared. 12/20/2018     1 A 11/15/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan OXXXXX XXXXX disclosure not provided: Unable to determine from evidence in the loan file if XXXXX was based on a term of the transaction. The disclosure was not located in the file   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/15/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. The list was not located in the file   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/15/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The closing dated listed on the CD is XXXXX, notary date is XXXXX these dates should match   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/15/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. The Home Tool Kit disclosure or copy was not located in the file   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/15/2018 CA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/ XXXXX) No cure provided for tolerance violations.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/15/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. (9300) Lender credit decreased from XXXXX to XXXXX on final CD. No cure provided.   Reviewer Comment (2019-01-04): Received proof of valid COC. Seller Comment (2019-01-03): Loan amount decrease- resulting change in pricing. Reviewer Comment (2018-12-28): Received documents do not identify why the reduction in Lender Credit happened on XXXXX. Please provide reason for reduction in lender credit, or LOE, copy of cure check, PCCD and proof of delivery. Reviewer Comment (2018-12-26): XXXXX received COC dated XXXXX which does not address the fee change for the Lender Credit. Exception stands. Provide Corrected CD, Copy of Refund Check, Letter of Explanation and Proof of Delivery to cure. Reviewer Comment (2018-12-20): XXXXX received COC for loan amount and rate changes for period prior to the last change on XXXXX. Please provide a valid COC for the fee change on XXXXX or a refund will be due. 01/04/2019     1 A 11/15/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (Interim/ XXXXX) LE disclosed Notary Fee in Section H without Title description.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/15/2018 CA Primary Purchase Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus XXXXX or XXXXX. Insufficient or no cure was provided to the borrower. (0) Recording Fees increased from XXXXX to XXXXX without a valid change of circumstance in file.   Reviewer Comment (2018-12-26): XXXXX received final ALTA showing final recording fees that were charged of $XXXXX are less than the tolerance allowance. No refund is needed as refund to the Borrower was done at funding. Reviewer Comment (2018-12-20): Need Final ALTA Settlement Statement to verify actual recording fees charged to Borrower at closing. 12/26/2018     1 A 11/15/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXXX) Appraisal provided XXXXX; Report date is XXXXX.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/15/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of XXXXX XXXXX ( XXXXX/ XXXXX XXXXX) does not match Due Diligence Loan Designation of XXXXX XXXXX XXXXX. Loan designation was listed as XXXXX however XXXXX is XXXXX.   Reviewer Comment (2019-01-03): Documentation in file reflects loan was presented and reviewed as a XXXXX loan. Exception cleared. Reviewer Comment (2018-12-28): Lender attestation was not provided confirming loan designation as XXXXX. Condition remains. Seller Comment (2018-12-27): The XXXXX recommendation is XXXXX because the loan was approved as XXXXX loan, please waive 01/03/2019     1 A 11/15/2018 CA Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller CD was not provided in the loan images. When provided additional conditions may apply   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/15/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205255008 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Property Appraisal Reconciliation Value Discrepancy Loan is missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-31): Provided 12/31/2018     1 A 11/15/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205255010 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) The final Closing Disclosure reflects a Closing Date of XXXXX), but the transaction consummation (mortgage notary) date was XXXXX). Provide a post-close CD and a copy of the letter of explanation to the borrower along with proof of delivery disclosing the changes made.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/06/2018 CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255010 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/XXXXX) Provided XXXXX, consummation XXXXX, No evidence in file when received by the borrower.   Reviewer Comment (2018-12-13): XXXXX received Disclosure Tracking. Exception Cleared. Seller Comment (2018-12-12): Disclosure Tracking 12/13/2018     1 A 11/06/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205255010 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/XXXXX) Provided XXXXX, consummation XXXXX, No evidence in file when received by the borrower.   Reviewer Comment (2018-12-13): XXXXX received Disclosure Tracking. Exception Cleared. Seller Comment (2018-12-12): Disclosure Tracking 12/13/2018     1 A 11/06/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205255010 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InitialXXXXX) LE not signed no evidence when the disclosure was received.   Reviewer Comment (2018-12-13): XXXXX received Disclosure Tracking. Exception Cleared. Seller Comment (2018-12-12): LE 12/13/2018     1 A 11/06/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205255011 [Redacted] [Redacted] [Redacted] [Redacted] 11/30/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/19/2018 CO Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205255011 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (Final/XXXXX) Closing date XXXXX, signature date XXXXX.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/19/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255011 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Home Loan Toolkit not provided.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/19/2018 CO Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205255011 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/XXXXX) Seller CD not provided.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/19/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255011 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure XXXXX Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of XXXXX Property Costs over Year 1 of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (InitialXXXXX) Final XXXXX property costs total XXXXX.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/19/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255011 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (InterimXXXXX) HOA and Survey Fee didn't contain Title description.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/19/2018 CO Primary Purchase Good Faith Redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255011 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not contain the "Title-" description. (InitialXXXXX) HOA and Survey Fee didn't contain Title description.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/19/2018 CO Primary Purchase Good Faith Redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255011 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. (8304)         12/03/2018   1 A 11/19/2018 CO Primary Purchase Final CD evidences Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. The List of Homeownership Counseling Organizations was provided XXXXX; date of application was XXXXX.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/05/2018 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Estimated Cash to Close With Seller TILA-RESPA Integrated Disclosure - Calculating Cash To Close: Loan Estimate provided on XXXXX disclosed Estimated Cash to Close that does not match cash to close calculation. (InitialXXXXX) Loan Estimate provided on XXXXX disclosed Estimated Cash to Close of XXXXX. Loan Estimate calculated estimate cash to close is (XXXXX)   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/05/2018 CA Primary Purchase Good faith redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (InitialXXXXX) Loan Estimate provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. Final CD reflects 12 months.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/05/2018 CA Primary Purchase Good faith redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not disclose number of months for XXXXX XXXXX under Prepaids. (InterimXXXXX) Loan Estimate provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. Final Cd reflects 12 months.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/05/2018 CA Primary Purchase Good faith redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Prepaid XXXXX XXXXX XXXXX Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not disclose number of months for XXXXX XXXXX XXXXX under Prepaids. (InterimXXXXX) Loan Estimate provided on XXXXX did not disclose number of months for XXXXX XXXXX XXXXX under Prepaids. PCCD reflects 1 month   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/05/2018 CA Primary Purchase Good faith redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Prepaid XXXXX XXXXX XXXXX Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not disclose number of months for XXXXX XXXXX XXXXX under Prepaids. (InitialXXXXX) Number of months for XXXXX XXXXX was left blank. PCCD reflects 1 month.   Reviewer Comment (2018-12-12): Outside of SFIG RMBS TRID review scope 12/12/2018     1 A 11/05/2018 CA Primary Purchase Good faith redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Not provided within 3 days of application date.   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/05/2018 CA Primary Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. (FinalXXXXX) Final CD was signed on XXXXX. PCCD reflects XXXXX. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid XXXXX XXXXX XXXXX Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XXXXX did not disclose number of months for XXXXX XXXXX XXXXX under Prepaids. (FinalXXXXX) PCCD reflects 1 month.   Reviewer Comment (2018-12-04): PCCD reflects 1 month.   12/04/2018   2 B 11/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) This exception is due to open XXXXX or XXXXX tolerance exceptions and will be cured when all tolerance violations are resolved   Reviewer Comment (2018-12-06): XXXXX received required documents, exception is cleared. 12/06/2018     1 A 11/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Prepaid XXXXX XXXXX XXXXX Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for XXXXX XXXXX XXXXX under Prepaids. (InitialXXXXX) PCCD refelcts 1 month.   Reviewer Comment (2018-12-04): PCCD reflects 1 month   12/04/2018   2 B 11/05/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Prepaid XXXXX XXXXX XXXXX Months TILA-RESPA Integrated Disclosure - Other Costs: Closing Disclosure provided on XXXXX did not disclose number of months for XXXXX XXXXX XXXXX under XXXXX. (InterimXXXXX) PCCD reflects 1 month.   Reviewer Comment (2018-12-04): PCCD reflects 1 month.   12/04/2018   2 B 11/05/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinalXXXXX) Missing seller CD   Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/05/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205255012 [Redacted] [Redacted] [Redacted] [Redacted] 12/04/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (75197) Title - Recording Fee was disclosed on the initial LE but on the final CD reads XXXXX. It appears the borrower was not notified of this additional fee after LE was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.   Reviewer Comment (2018-12-06): XXXXX received required documents, exception is cleared. 12/06/2018     1 A 11/05/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205260585 [Redacted] [Redacted] [Redacted] [Redacted] 12/03/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2018-12-17): Provided 12/17/2018     1 A 09/28/2018 MA Primary Purchase   C A A A A A C A Safe Harbor QM Safe Harbor QM No
205878317 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (FinalXXXXX) Sellers closing disclosure included 4 fees paid by Seller that were not also disclosed on the Borrowers CD; XXXXX XXXXX XXXXX, Final XXXXX XXXXX, Final XXXXX XXXXX andXXXXX XXXXX reimbursement XXXXX.   Reviewer Comment (2019-01-22): client elects to waive     10/31/2018 1 A 09/20/2018 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B A A A B A A A Safe Harbor QM Safe Harbor QM Yes
205878318 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure XXXXX Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount ofXXXXX Property Costs over Year XXXXX of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (InitialXXXXX) Interim CD reflects XXXXX XXXXX, XXXXX XXXXX =XXXXX x XXXXX = XXXXX. Final CD reflects XXXXX XXXXX, XXXXX XXXXX = XXXXX x XXXXX =XXXXX.   Reviewer Comment (2019-01-22): Interim CD reflects $XXXXX hazard, Taxes XXXXX =XXXXX x 12 = XXXXX. Final CD reflects $XXXXX hazard, $XXXXX taxes = $XXXXX x 12 =XXXXX. Final CD has the corrected amount.   12/04/2018   2 B 10/05/2018 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205878318 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of XXXXX XXXXX (XXXXX/XXXXX XXXXX) does not match Due Diligence Loan Designation of XXXXX XXXXX XXXXX. XXXXX reflects XXXXX/XXXXX.   Reviewer Comment (2019-01-22): Lender Attestation was provided in the trailing docs stating loan is XXXXX. Condition has been cleared. 12/05/2018     1 A 10/05/2018 PA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205878318 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX disclosed homeowner's insurance under XXXXX that does not match amount per month calculation. (InterimXXXXX) Final CD reflects premium XXXXX and LE is XXXXX   Reviewer Comment (2019-01-22): Final CD reflects premium $XXXXX and LE is $XXXXX   12/04/2018   2 B 10/05/2018 PA Primary Purchase Good faith redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205878318 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on XXXXX did not disclose number of months for homeowner's insurance under Prepaids. (InterimXXXXX) This section was not completed by Lender and was left blank.   Reviewer Comment (2019-01-22): Final CD reflects 12 months.   12/04/2018   2 B 10/05/2018 PA Primary Purchase Good faith redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205878318 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance Check Restated Loan Designation Match - XXXXX / XXXXX XXXXX / XXXXX (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of XXXXX XXXXX XXXXX matches the Due Diligence Loan Designation of XXXXX XXXXX XXXXX. Lender Attestation was provided in the trailing docs stating loan is XXXXX XXXXX XXXXX.   Reviewer Comment (2019-01-22): Documentation in file reflects loan was reviewed by lender as a XXXXX and presented as such. Exception cleared. 01/04/2019     1 A 10/05/2018 PA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM No
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2019-01-22): Desk Review provided with no variance. Exception cleared. 12/26/2018     1 A 10/01/2018 PA Primary Refinance - Limited Cash-out GSE   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure XXXXX Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of XXXXX Property Costs over Year XXXXX of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (FinalXXXXX) The amount of Escrowed Property Costs over Year 1 on CD dated XXXXX is not accurate.   Reviewer Comment (2019-01-22): XXXXX received PCCD. The tax amount was recalculated. Exception Cleared. Seller Comment (2019-01-22): The Escrow amount is correct. The difference of $XXXXX is for the HOA Dues 12/11/2018     1 A 10/01/2018 PA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated XXXXX Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an XXXXX payment for payment stream 1 that does not match the actual payment for the loan. Xxxx The XXXXX payment for payment stream 1 does not match the actual payment for the loan. The tax amounts used on final CD are from prior year. Current year tax certificate has updated amounts.   Reviewer Comment (2019-01-22): XXXXX received PCCD. The tax amount was recalculated. Exception Cleared. 12/11/2018     1 A 10/01/2018 PA Primary Refinance - Limited Cash-out GSE TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment XXXXX XXXXX TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq: XXXXX/XXXXX) The XXXXX payment for payment stream 1 does not match the actual payment for the loan. The tax amounts used on final CD are from prior year. Current year tax certificate has updated amounts.   Reviewer Comment (2019-01-22): XXXXX received PCCD. The tax amount was recalculated. Exception Cleared. 12/11/2018     1 A 10/01/2018 PA Primary Refinance - Limited Cash-out GSE TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowners Insurance Included In XXXXX TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether Homeowners Insurance is included in XXXXX. (FinalXXXXX) Page 1 of final CD did not check the "This Estimate Includes" box for Homeowners Insurance   Reviewer Comment (2019-01-22): XXXXX received PCCD correcting section. Exception Cleared. 12/11/2018     1 A 10/01/2018 PA Primary Refinance - Limited Cash-out GSE TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non XXXXX Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of XXXXX-XXXXX Property Costs over Year XXXXX of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. (FinalXXXXX) Annual XXXXX XXXXX are XXXXX from appraisal, but final CD shows annual XXXXX XXXXX as XXXXX on page 4 of final CD   Reviewer Comment (2019-01-22): XXXXX received updated appraisal indicating HOA Dues of $XXXXX/yr. Exception Cleared. 12/11/2018     1 A 10/01/2018 PA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Taxes Included In XXXXX TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether property taxes are included in XXXXX. (FinalXXXXX) Page 1 of final CD did not check the "This Estimate Includes" box for property XXXXX   Reviewer Comment (2019-01-22): XXXXX received PCCD correcting section. Exception Cleared. 12/11/2018     1 A 10/01/2018 PA Primary Refinance - Limited Cash-out GSE TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller Cash to Close From To Borrower Unable to determine if Cash to Close is To or From Borrower due to missing information. (FinalXXXXX) The final CD dated XXXXX has missing information regarding Cash to Close "To" or "From" XXXXX XXXXX.   Reviewer Comment (2019-01-22): Client elects to waive     12/12/2018 2 B 10/01/2018 PA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID - Good Faith Fee Tolerance TILA-RESPA Integrated Disclosure - Good Faith Violation: Homeowners Insurance Premium provided on Final Closing Disclosure was not previously disclosed to the XXXXX. (XXXXX) Initial loan estimate did not disclose homeowner's insurance premium in the XXXXX section   Reviewer Comment (2019-01-22): XXXXX received PCCD correcting CD section. Exception Cleared. Seller Comment (2019-01-22): We are unable to correct any of the LE's. please waive 12/11/2018     1 A 10/01/2018 PA Primary Refinance - Limited Cash-out GSE Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure XXXXX Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of XXXXX Property Costs over Year XXXXX of XXXXX on Interim Closing Disclosure provided on XXXXX not accurate. (Initial XXXXX) The amount of XXXXX Property Costs over Year XXXXX on CD dated XXXXX is not accurate.   Reviewer Comment (2019-01-22): XXXXX received PCCD correcting CD section. Exception Cleared. Seller Comment (2019-01-22): This is correct, the difference of $XXXXX is the HOA Dues that are not escrowed. 12/11/2018     1 A 10/01/2018 PA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Non XXXXX Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of XXXXX- XXXXX XXXXX XXXXX over Year XXXXX of XXXXX on Interim Closing Disclosure provided XXXXX not accurate. (InitialXXXXX) Annual XXXXX XXXXX are XXXXX from appraisal, but final CD shows annual XXXXX XXXXX as XXXXX on page 4 of final CD   Reviewer Comment (2019-01-22): XXXXX received PCCD correcting CD section. Exception Cleared. 12/11/2018     1 A 10/01/2018 PA Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205878319 [Redacted] [Redacted] [Redacted] [Redacted] 01/22/2019 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX Qualified Mortgage (Dodd-Frank 2014): Originator Loan XXXXX of XXXXX XXXXX (XXXXX/ XXXXX XXXXX) does not match Due Diligence Loan Designation of XXXXX XXXX XXXXX XXXXX. Per the XXXXX the loan was designated as an XXXXX however the XXXXX returned XXXXX.   Reviewer Comment (2019-01-22): Compliance report in file reflects loan as a XXXXX transaction. Exception cleared. Reviewer Comment (2019-01-22): Lender attestation was provided in the trailing docs however it does not address the loan designation. Please reach out to supervisor with any questions. Loan was submitted with loan designation as XXXXX however findings reflects XXXXX. Condition remains. Reviewer Comment (2019-01-22): Condition remains as no new information has been provided Reviewer Comment (2019-01-22): Lender attestation confirming the correct loan designation was not provided. Condition remains. Seller Comment (2019-01-22): Hello, This is an XXXXX loan. It has to be submitted to XXXXX and we know it will come back ineligible because the loan amount exceeds agency limits. That's what we always do with them. 12/17/2018     1 A 10/01/2018 PA Primary Refinance - Limited Cash-out GSE Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205883560 [Redacted] [Redacted] [Redacted] [Redacted] 01/24/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinalXXXXX) The seller's CD is missing from the file.   Reviewer Comment (2019-01-28): Client elects to waive.     01/28/2019 2 B 12/12/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883560 [Redacted] [Redacted] [Redacted] [Redacted] 01/25/2019 Compliance Compliance Federal Compliance Check Loan Designation Match - XXXXX Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of XXXXX XXXXX XXXXX does not match Due Diligence Loan Designation of XXXXX XXXXX. DTI is XXXXX which exceed the maximum guidelines of XXXXX.   Reviewer Comment (2019-01-29): Upon further review DTI is actually XXXXX%. Exception cleared. 01/29/2019     1 A 12/12/2018 FL Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883560 [Redacted] [Redacted] [Redacted] [Redacted] 01/25/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated income is less than income on approval. Lender used average of XXXXX and XXXXX for XXXXX income. Borrower's XXXXX income for XXXXX was XXXXX, XXXXX was XXXXX and YTD is XXXXX an increasing trend . Paystub we have in file has a pay period ending of XXXXX. XXXXX XXXXX XXXXX requires a XXXXX year average. With paystub in file if you use a XXXXX year average the monthly XXXXX XXXXX, A XXXXX year YTD and XXXXX is XXXXX. Chose to used XXXXX year and XXXXX of XXXXX, which pushes DTI to XXXXX which exceed the maximum guidelines of XXXXX.   Reviewer Comment (2019-01-29): Upon further review DTI is actually XXXXX%. Exception cleared. 01/29/2019     1 A 12/12/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883560 [Redacted] [Redacted] [Redacted] [Redacted] 01/25/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to XXXXX (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at XXXXX risk. Lender used average of XXXXX and XXXXX for XXXXX income. Borrower's XXXXX income for XXXXX was XXXXX, XXXXX was XXXXX and YTD is XXXXX an XXXXX trend . Paystub we have in file has a pay period ending of XXXXX. XXXXX XXXXX XXXXX requires a XXXXX year average. With paystub in file if you use a XXXXX year average the monthly XXXXX XXXXX, A XXXXX year XXXXX and XXXXX is XXXXX. Chose to use XXXXX year and XXXXX of XXXXX, which pushes DTI to XXXXX which exceed the maximum guidelines of XXXXX.   Reviewer Comment (2019-01-29): Upon further review DTI is actually XXXXX%. Exception cleared. Seller Comment (2019-01-25): income worksheet 01/29/2019     1 A 12/12/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883560 [Redacted] [Redacted] [Redacted] [Redacted] 01/25/2019 Compliance Compliance Federal Compliance General ATR Provision Investor and XXXXX DTIs match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX. (DTI Exception is eligible to be regraded with compensating factors.) Lender used average of XXXXX and XXXXX for XXXXX income. Borrower's XXXXX income for XXXXX was XXXXX, XXXXX was XXXXX and YTD is XXXXX an increasing trend . Paystub we have in file has a pay period ending of XXXXX. XXXXX XXXXX XXXXX requires a XXXXX year average. With paystub in file if you use a XXXXX year average the monthly XXXXX XXXXX, A XXXXX year YTD and XXXXX is XXXXX. Chose to used XXXXX year and XXXXX of XXXXX, which pushes DTI to XXXXX which exceed the maximum guidelines of XXXXX.   Reviewer Comment (2019-01-29): Upon further review DTI is actually XXXXX%. Exception cleared. 01/29/2019     1 A 12/12/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883560 [Redacted] [Redacted] [Redacted] [Redacted] 01/25/2019 Compliance Compliance Federal Compliance XXXXX DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds XXXXX and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Lender used average of XXXXX and XXXXX for XXXXX income. Borrower's XXXXX income for XXXXX was XXXXX, XXXXX was XXXXX and YTD is XXXXX an XXXXX trend . Paystub we have in file has a pay period ending of XXXXX. XXXXX XXXXX XXXXX requires a XXXXX year average. With paystub in file if you use a XXXXX year average the monthly XXXXX XXXXX, A XXXXX year XXXXX and XXXXX is XXXXX. Chose to used XXXXX year and YTD of XXXXX, which pushes DTI to XXXXX which exceed the maximum guidelines of XXXXX.   Reviewer Comment (2019-01-29): Upon further review DTI is actually XXXXX%. Exception cleared. Seller Comment (2019-01-25): LOE 01/29/2019     1 A 12/12/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883561 [Redacted] [Redacted] [Redacted] [Redacted] 01/24/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Client to order second valuation at time of securitization   Reviewer Comment (2019-01-28): Desk Review provided with no variance. Exception cleared. 01/28/2019     1 A 12/04/2018 NJ Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
205883561 [Redacted] [Redacted] [Redacted] [Redacted] 01/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) Final disclosure did not disclose a value of the dollar amount by which the Total Closing Costs exceeded the legal limit.   Reviewer Comment (2019-01-28): Client elects to waive.     01/28/2019 2 B 12/04/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205883562 [Redacted] [Redacted] [Redacted] [Redacted] 01/24/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.       Reviewer Comment (2019-01-28): Desk Review provided with no variance. Exception cleared. 01/28/2019     1 A 01/03/2019 NJ Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205883562 [Redacted] [Redacted] [Redacted] [Redacted] 01/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinalXXXXX) Final CD disclosed a change in Total Closing Costs, however, did not disclose the amount by which the change exceeded the legal limit.   Reviewer Comment (2019-01-28): Client elects to waive.     01/28/2019 2 B 01/03/2019 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205883562 [Redacted] [Redacted] [Redacted] [Redacted] 01/24/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. (8304) Binding LE did not disclosed Transfer Tax Fee of XXXXX disclosed on the Consumer's Final CD. Cure for XXXXX tolerance violation was not provided.   Reviewer Comment (2019-01-30): Buyer's portion of Transfer Tax is Zero. Seller CD disclosed the entire amount of $XXXXX. Seller Comment (2019-01-29): The transfer tax is seller paid and not bound to zero%. Please clear as no refund is due. 01/30/2019     1 A 01/03/2019 NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
205883562 [Redacted] [Redacted] [Redacted] [Redacted] 01/24/2019 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary XXXXX) Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided.   Reviewer Comment (2019-01-28): Client elects to waive.     01/28/2019 2 B 01/03/2019 NJ Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205925868 [Redacted] [Redacted] [Redacted] [Redacted] 01/25/2019 Credit Loan Package Documentation Application / Processing Missing Document: Divorce Decree / Child Support not provided   Divorce decree on file states there is an addendum/provision for child support or family support. Addendum/Provisions are missing. Unable to determine if correct DTI was used due to possible additional debt.   Reviewer Comment (2019-01-25): Complete Divorce Decree provided reflecting no child support or alimony was part of the divorce. Exception cleared. Reviewer Comment (2019-01-25): Page 2 reflects child is 18 years of age however child support documentation/addendum was not provided to reflect terms. In XXXXX where dissolution was filed, child support could continue until the age of 19. Condition remains. Seller Comment (2019-01-25): Court document provided confirms child's DOB as XXXXX and therefore over the age of 18. Please see page 2 . 01/25/2019     1 A 11/19/2018 CA Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205925868 [Redacted] [Redacted] [Redacted] [Redacted] 01/25/2019 Credit Loan Package Documentation Application / Processing XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.   Disaster dated after closing date.   Reviewer Comment (2019-01-25): Property Condition Inspection Report XXXXX reflects no exterior repairs required. Condition has been cleared. Reviewer Comment (2019-01-25): System calculation and quick search on XXXXX reflects zipcode XXXXX in FEMA disaster area. Condition remains. Seller Comment (2019-01-25): DAIR not required - subject property is located outside of fire area 01/03/2019     1 A 11/19/2018 CA Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205925868 [Redacted] [Redacted] [Redacted] [Redacted] 01/25/2019 Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Toolkit is missing.   Reviewer Comment (2019-01-25): Client elects to waive     12/12/2018 2 B 11/19/2018 CA Primary Purchase No Defined Cure C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205925868 [Redacted] [Redacted] [Redacted] [Redacted] 01/25/2019 Credit Loan Package Documentation Application / Processing Missing Document: Fraud Report not provided       Reviewer Comment (2019-01-25): Not required 01/25/2019     1 A 11/19/2018 CA Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205925868 [Redacted] [Redacted] [Redacted] [Redacted] 01/25/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: XXXXX XXXXX Missing VOE or XXXXX W-2 from Current employer as required per XXXXX   Reviewer Comment (2019-01-25): WVOE was provided in the trailing docs. Condition has been cleared. Seller Comment (2019-01-25): DAIR not required - subject property is located outside of fire area 12/27/2018     1 A 11/19/2018 CA Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
205925868 [Redacted] [Redacted] [Redacted] [Redacted] 01/25/2019 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.       Reviewer Comment (2019-01-25): Desk review provided with no variance. Exception cleared. 12/24/2018     1 A 11/19/2018 CA Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No